Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE MBNA / VIRGIN (MBNA) (Joint letter) MOORGATE (who had them before ARDEN)- Letter dated 16th May 2012

Dear XXXXX,

Account number: XXXXXX/XXXX (both MBNA/VIRGIN (MBNA)

I refer to recent correspondence.

I understand the reason for your complaint is the lack of documentation providing the validation of the debt outstanding. Having fully reviewed the documentation relating to your dispute loan accounts and considered the issues that you have raised. Moorgate Loan Servicing have now contacted MBNA who will provide the relevant documentation just as soon as they have had a concluded their further investigation's into this matter.

In the meantime, the present situation of non-payment on the above account is not acceptable. Our position remains as outlined in the letter sent to you by ARDEN CREDIT MANAGEMENT on XXXXXX.

We are responding to the enquiry in respect of a loan with BRITANNICA RECOVERIES SARL on behalf of MOORGATE LOAN SERVICING. If you remain dissatisfied with our response you may refer your complaint to the Financial Ombudsman Service (see enclosed) within 6 months of the date of this letter.

I trust this clarifies the situation but if I can be of any further assistance, please contact me.

Customer Relationship Team".

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE MBNA (not VIRGIN MBNA) letter from ARDEN DATED 14th MAY 2012

"Dear XXXXXX, Account Number: XXXXX (VIRGIN)

14th MAY 2012

Despite numerous attempts to contact you we have not had a response from you or an indication of willingness from you yo resolve this matter.

Further to our last correspondence we have reviewed your account and determined that further action is necessary. To that end, I am instructing our solicitors to begin legal proceedings. Our solicitors will be in touch with you in due course to advice you of the next steps. Please note, all costs incurred relating to the instruction of our solicitors will be payable by you.

I can withdraw this instruction if you contact our offices within 5 days of the date of this letter and make satisfactory arrangements regarding your account.

Please contact our offices immediately on XXXXX.

Manager"

[Flossy]

Re: Flossy UE Diary & YB Hassle

Is this the same for MBNA? In 2 Deep / IF / BOSS?

Update MBNA & VIRGIN (MBNA)

Received 3 letters all in one day (today) contradicting themselves!

I sent the above off to ARDEN as requested above for both accounts on the same letter.

Reply from Arden 14 May 2012

Dear Mrs Hopkins (I can say this as it isn't my name they've written!!!) The have got the correct name and address above.


Thank you for your letter dated 1 April 2012 which has been passed to us.

We are presently investigating the comments you have raised and a full response will be sent to you shortly.

I the mean time, please find the enclosed formal complaints procedures which details how we deal with you complaint."

[Flossy]

Re: Flossy UE Diary & YB Hassle

but they're in default. Ignore them (let them make threats!)

Hi everyone

Really suffering today and have a load of letters back from the companies (DCA's) today.

In response to the above which is Egg - Sold to Barclaycard.

Sent CCA back on 23/1/2012 the Boss :niddy deemed and as above was told to ignore them. Letter received today:

16th May 2012

"Your Barclaycard account has now been passed to Credit Solutions Limited to manage the collection of the balance outstanding on your account.

(gives their address in capitals)

You should contact Credit Solutions Limited as a matter of urgency on:

(gives telephone numbers, emails, etc)

Please contact Credit Solutions Limited who will discuss with you proposals for repayment of the balance outstanding on your account.

It is essential that in all communication you quote the reference numbers".

Senior Collections Manager.

?

[PlanB]

Re: Flossy UE Diary & YB Hassle

Hi Flower,

How was it down under? Missed you! Wondered why you were and wasnt until I spoke to MR PlanB that I remembered. Even PlanB missed you!! We had a chat about my Creation / SCS problem and she reminded me you where away..

...

I know you have had trouble trying to figure out whether Plan B is a Mr or a Miss, but have you considered the option that I might be a tranny so either will do nicely

[Flossy]

Re: Flossy UE Diary & YB Hassle

Down under was brill, weather was lovely everywhere and so was the food and the scenery.

Looks like you're doing really well sorting out all your debts. Don't worry about the catalogues, if they are asking to sign and send something back they obviously haven't got anything enforceable.

P.S I am so jealous of your holiday!!!!

So glad you had a brill time and everything was nice for you including the weather.. Unlike here!!!!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Down under was brill, weather was lovely everywhere and so was the food and the scenery.

Looks like you're doing really well sorting out all your debts. Don't worry about the catalogues, if they are asking to sign and send something back they obviously haven't got anything enforceable.

They have got Moorcroft involved. I find that a bit mad when they obviously have not got a CCA. I will check though to be 100% and then send a letter to Moorcroft or/and Next.

Thanks for the congrats on my Cabot O/D. It was better than we thought and I feel a good result even though it shouldn't have got so far. Really need to sent Yorkshire Bank a letter as I have been paying them for this debt since it started and I want that back as it was Cabot owning the debt. The Boss told me to carry on paying them so I did.

Anyone on an idea of what to write in the letter to the bank to get the money back would be appreciated?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi Flower,

How was it down under? Missed you! Wondered why you were and wasnt until I spoke to MR PlanB that I remembered. Even PlanB missed you!! We had a chat about my Creation / SCS problem and she reminded me you where away..

I am glad that that one is out of the way now and Gilly was really good. I just have there CC debt to deal with now and a Catalogue (Next) have appointed a DCA! Meant to forward this on to the Boss but, after reading it it basically asks me to sign it and send it back.... I will probably send just to be sure!

Just need to finalise the them all and then I can get myself right and can help a few more people to work through there problems...

[Flossy]

Re: Flossy UE Diary & YB Hassle

JUST MOVED THIS OVER TO THIS PAGE AS OT TO GET LOST AT THE END OF THE OTHER PAGE.

MINT CC - NIGHTMARE!!!! Sent the £1 PO for the CCA and they sent it back 3 times due to no signature on the letter. Never had the CCA back due to this and we sent letters off to Mint explaining that I dont need to sign the CCA request letter.

They have passed to Shoosmiths solicitors! They sent a letter to me on 4.4.12 informing me that they have taken over the account and to contact them in 7 days.

The next letter off them 14.4.12 saying they have not been able to contact me by phone, therefore they want me to ring them to sort out how I will be paying this debt.

23.4.12 Letter from Shoosmiths - please treat as notice that unless an agreement is reached within 14 days we are instructed to issue a claim in the County Court for recovery.

In 2 Deep advised

------------>Account Sold whilst in Dispute

(thanks In 2 deep & Swanfan)- letter was sent 25 April

UPDATE ON MINT / SHOOSMITHS SOLICITORS

Reply just received dated 8th May.

"We refer to the above matter and further to your letter dated 23 April 2012, the contents of which have been noted.

Please note that we have referred your letter to our client and will respond fully once we have received a response from them"

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE Yorkshire Bank /CABOT Overdraft.

As you are aware the people who have followed my diary that the Yorkshire Bank bailed on me during a Written agreement by them to let me pay a small amount for 3 months and after that time we would discuss things further... Only a few weeks into my agreement they sold my account (both CC and Overdraft) to CABOT!

While I would love to sue Yorkshire Bank I had more pressing things to attend to as Cabot decided to make a claim in the County Court. I was left with a very bad defence by another site (no names mentions but starts with C ends in G)

Anyway, I was advised to do a full and final by the Boss :niddy and Paul that this needed settling due to the defence and to stop anything further against me.

On Friday Gilly (THE NEW BIRD) :niddy Called GILLY started negotiations from £4500 (went up with their solicitors court fees), Taken off and started from £4337. We got down to half, I said no. Evenetually got to £1250 with Gilly's negotiations (she really is a star) That was to be paid in 14 days so I said no again! I asked her to go back and I would pay £1000 in 7 days. Thats what I got. So, even though I am upset at the whole thing getting this far, it was an overdraft and not a straight forward CCA CC and the results where better than we all thought they would be. Gilly was surprised! So, on my condition that they either put settled or wipe off credit file, letter to say its paid and thats the end of this debt, FULL STOP.

Good result I think and good work by the 'new bird' Gilly...

[Flossy]

Re: Flossy UE Diary & YB Hassle

Click This <--- That will PM her for you

Have been in contact with her and she will get back to me. I will update my creation thread as well.

[Flossy]

Re: Flossy UE Diary &amp; YB Hassle

He's still in default, as HBOS are the OC they can take ownership of the account whenever they decide, they can also demand full repayment as soon as one payment is missed and they default you - point is, you won't find much joy with this - just carry on paying the DCA.

So what if the OC ask for the whole lot - refuse (by ignoring them) and carry on paying the DCA.

Thanks for that Boss. It was my carer's son and she was here at time.

Also a bit more knowledge for us all to learn!

[Flossy]

Re: Flossy UE Diary &amp; YB Hassle

MINT CC - NIGHTMARE!!!! Sent the £1 PO for the CCA and they sent it back 3 times due to no signature on the letter. Never had the CCA back due to this and we sent letters off to Mint explaining that I dont need to sign the CCA request letter.

They have passed to Shoosmiths solicitors! They sent a letter to me on 4.4.12 informing me that they have taken over the account and to contact them in 7 days.

The next letter off them 14.4.12 saying they have not been able to contact me by phone, therefore they want me to ring them to sort out how I will be paying this debt.

23.4.12 Letter from Shoosmiths - please treat as notice that unless an agreement is reached within 14 days we are instructed to issue a claim in the County Court for recovery.

In 2 Deep advised

------------>Account Sold whilst in Dispute

(thanks In 2 deep & Swanfan)- letter was sent 25 April

UPDATE ON MINT / SHOOSMITHS SOLICITORS

Reply just received dated 8th May.

"We refer to the above matter and further to your letter dated 23 April 2012, the contents of which have been noted.

Please note that we have referred your letter to our client and will respond fully once we have received a response from them"

[Never-In-Doubt]

Re: Flossy UE Diary &amp; YB Hassle

What I meant to say was that the account was with the Halifax than passed to Moorcroft. The payment plan was set up with Moorcroft and has paid up to date. Now that he owes just £200 the Halifax are writing with a statement asking for the remaining monies owed!

Halifax passed to DCA cant just then ask for the rest of the money can they?

He's still in default, as HBOS are the OC they can take ownership of the account whenever they decide, they can also demand full repayment as soon as one payment is missed and they default you - point is, you won't find much joy with this - just carry on paying the DCA.

So what if the OC ask for the whole lot - refuse (by ignoring them) and carry on paying the DCA.

[Flossy]

Re: Flossy UE Diary &amp; YB Hassle

I dunno, it's hard to actually ascertain what you mean (sorry, rather confusing).....

If they feel their CC company let them down complain to the FOS. The FOS is designed for handling such complaints (albeit rather ineffectively)

What I meant to say was that the account was with the Halifax than passed to Moorcroft. The payment plan was set up with Moorcroft and has paid up to date. Now that he owes just £200 the Halifax are writing with a statement asking for the remaining monies owed!

Halifax passed to DCA cant just then ask for the rest of the money can they?