Flossy UE Diary & YB Hassle

[Deepie]

Re: Flossy UE Diary & YB Hassle

They haven't sold the account but are acting as agents for the account. So, does this make a difference to the letter to be sent?

Not to me it doesn't........

[Flossy]

Re: Flossy UE Diary & YB Hassle

[B]In the past when I,ve received one like this I've sent------> Account Sold whilst in Dispute

They haven't sold the account but are acting as agents for the account. So, does this make a difference to the letter to be sent?

[Flossy]

Re: Flossy UE Diary & YB Hassle

[B]In the past when I,ve received one like this I've sent------> Account Sold whilst in Dispute

Thank you I2D. I will just check to see what my last letter was to them and then send the above if I havent already.

Im confusing myself with all these as they seem to all be sending out letters for fun in one go saying different things like my MBNA & VIRGIN...

[Flossy]

Re: Flossy UE Diary & YB Hassle

I'm not the boss, just a minion here, but I'd say he just needs to see the purported agreement, not the T&Cs, covering letters, etc.

Flower,

I wasn't talking to you for the last bit....But you knew that and just being naughty!!!

[Deepie]

Re: Flossy UE Diary & YB Hassle

UPDATE 25 MAY 2012 - LETTER FROM CREDIT SOLUTIONS

I have received a letter today from Credit Solutions.

"We act as agents for Barclaycard Bank Plc trading Barclaycard.

Barclaycard has informed us that you have not complied with the Default Notice they recently sent you.
The balance stated above is now due in full and Barclaycard demand that you pay this amount immediately.

Please telephone the above payment hotline today and we will be happy to process your debit or credit card payment(I bet they will be happy )Alternatively, see overleaf for your preferred method of payment. (I choose NONE of the above)..

Continued non payment could result in more methods of recovery including:

A DEBT COLLECTORCalling at the above address to collect the debt personally. (Maybe they could take my sofa as full & final ;-))

A COUNTY COURT CLAIM Being issued against you, resulting in additional costs. (Your not the first to do it so carry on... )

PLEASE GIVE THIS MATTER YOUR URGENT ATTENTION (I would be my coffee needs warming up)

What next Boss? I2D? Or anyone who wants to join in...

[B]In the past when I,ve received one like this I've sent------> Account Sold whilst in Dispute

[Flossy]

Re: Flossy UE Diary & YB Hassle

Did they send you a document purporting to be your CCA with this letter? If so, have you sent it to Niddy?

Until he gets back to you, you don't know if it's really an original CCA or a bit of artwork I've just cobbled together in Photoshop, do you?

Thank you for replying Flower.

I am going to copy and sent but, again there are about 15 pages... I know the Boss wont like that!

I know why they wouldn't sent without a signature!

Boss.... What do you want me to send???

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - EGG/BARCLAYCARD

After several demands and threats from Barclaycard after me writing to them regarding CCA being

They have said it will be passed to Credit Solutions Limited.

I have ignored them. Will wait for something, if anything from Credit Solutions and go from there.

UPDATE 25 MAY 2012 - LETTER FROM CREDIT SOLUTIONS

I have received a letter today from Credit Solutions.

"We act as agents for Barclaycard Bank Plc trading Barclaycard.

Barclaycard has informed us that you have not complied with the Default Notice they recently sent you.
The balance stated above is now due in full and Barclaycard demand that you pay this amount immediately.

Please telephone the above payment hotline today and we will be happy to process your debit or credit card payment(I bet they will be happy )Alternatively, see overleaf for your preferred method of payment. (I choose NONE of the above)..

Continued non payment could result in more methods of recovery including:

A DEBT COLLECTORCalling at the above address to collect the debt personally. (Maybe they could take my sofa as full & final ;-))

A COUNTY COURT CLAIM Being issued against you, resulting in additional costs. (Your not the first to do it so carry on... )

[B]PLEASE GIVE THIS MATTER YOUR URGENT ATTENTION (I would be my coffee needs warming up)

What next Boss? I2D? Or anyone who wants to join in...

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - MINT / SHOOSMITHS SOLICITORS

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.

passed to Shoosmiths solicitors - letter FROM THEM 4 April 2012 informing me that they have taken over the account and to contact them in 7 days.

The next letter off them 14 April 2012 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 April 2012 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

letter was sent 25 April

Reply just received dated 8th May 2012

"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"

Await reply.

UPDATE 24/05/2012 - LETTER SENT WITH ORIGINAL CCA -

Dear Flossy,

Re A/C XXXXX

Thank you for your recent letter which was received into this office on 29 March 2012!!! (didnt take them long to write back!)

Your written request for the information made under s78 (1) of the Consumer Credit Act must be accompanied by payment of a fee of £1 READ ABOVE!!!!
We are obliged to provide you with a 'true' copy of the credit agreement and a statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts and due dates of future payments that are still require to be made. In terms of a CCA copy document regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement.

I have enclosed the s78 (1) information.

With regard to your request for a 'statement of account', I have enclosed the most recent available statement for the above account. Should you require duplicate statements of your account prior to this date, please contact me accordingly and I will advise you of you of the cost for these.

Our records show that there is still an outstanding balance on the account. As you are aware the account is currently being managed by out Financial Hardships Department. Therefore, you should contact them directly to obtain the required repayments to settle the account. They can be contacted on XXXX

I can conform that your account has not been sold.

IS THIS COMPANY FOR REAL??????

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - VIRGIN (MBNA)/ BRITANNICA RECOVERIES SARL /MOORGATE / ARDEN CREDIT MANAGEMENT[/COLOR]

VIRGIN - sold to BRITANNICA RECOVERIES SARL / MOORGATE and have passed to ARDEN.

VIRGIN (MBNA) - They did not return a CCA.

3 April 2012 - letter off Arden writing to confirm that none payment on the account is not acceptable, etc.

They have written to me several times threatening house calls

4 May 2012 - Sent them Threat by Creditor - Threat O Gram Before Action .

14 May 2012- Letter back from Arden that thanked for my letter of 1 May 2012 they are investigating the comments that I have raised.

16 May 2012 - Letter from MOORGATE referring to recent correspondence and that the reason for my complaint is the lack of documentation providing the validation of the debt outstanding and have contacted VIRGIN (MBNA)who will provide the relevant information. To avoid any further action contact Arden Credit Management.

[Flossy]

Re: Flossy UE Diary & YB Hassle

That now is the end of my list on this thread !! Will move back to my other thread of Creation and SCS the great sofa company that will be sure to have your sofa delivered and collapse!

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE YORKSHIRE BANK CC / CABOT

Requested CCA - Received and the Boss said it was confusing but

Replied with usual template of debt being UE.

Letter back 13 March 2012 - They believe that the CCA is But, they will go back to the Yorkshire Bank, the original lender in order to obtain a further copy.

2 April 2012 - Cabot reply - Due to me questioning the legibiliy of the CCA supplied, they will go back to the Yorkshire Bank to attempt to "obtain a clearer copy". It continues - We have now been advised that "the copy supplied is the BEST COPY they hold. There is no OTHER COPY to forward to you".(now this made me laugh)

This has now been left as is it for now...

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - MINT / SHOOSMITHS SOLICITORS

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.

passed to Shoosmiths solicitors - letter FROM THEM 4 April 2012 informing me that they have taken over the account and to contact them in 7 days.

The next letter off them 14 April 2012 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 April 2012 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

letter was sent 25 April

Reply just received dated 8th May 2012

"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"

Await reply.

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - CAPITAL ONE CREDIT CARD

They sent the CCA back which was

Sent the PT template

Received a reply saying it was (which it isn't)

Haven't heard from them since 26 January 2012.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Send to Moorcroft..........

I was just testing you I2D... Got to keep you on the ball...

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - MBNA /BRITANNICA RECOVERIES SARL / MOORGATE / ARDEN CREDIT MANAGEMENT

CCA received from MBNA and the Boss said - MBNA sold to BRITANNICA RECOVERIES SARL / MOORGATE and have passed to ARDEN.

12 April 2012 - Letter - FINAL DEMAND threatened legal action

4 May 2012 - Sent them Threat by Creditor - Threat O Gram Before Action.

14 May 2012 - Letter back that they are instructing their solicitors to advise the next step if not contacted them in 5 days AND they are investigating my comments and a full response will be sent soon.

16 May 2012 - Letter saying they understand the reason for my complaint is the lack of documentation providing validation of the debt outstanding.MOORGATE LOAN SERVICING have contacted MBNA who will provide the relevant documentation. In the meantime none payment is not acceptable and to contact them to avoid further action.

22 May 2012 - Sent them the next step of Threat of Litigation template.