MJR001 UE Diary

[Deepie]

Re: MJR001 UE Diary

Received a letter from Wetclothes today, Big red writing - Final Notice, 10 days to comply, unless payment is made legal action may be taken and a judgement or decree may be obtained against you.

Just a recap, this was originally owned by Egg, which was taken over by Barclaycard. Moorcroft chased this and ran a mile when they admitted no CCA could be produced, this then was transferred to wetclothes who have been phoning and writting letters if their lives depended on it.

Is there any letter template i could send to them which gives a load of legal jargon which includes mentions of no previous CCA by Moorcroft and the account was in dispute because of this.

M

I Would send this------> CCA Query - Letter Previously Confirming No CCA ......with a copy of the letter you have.

[mjr001]

Re: MJR001 UE Diary

Account No3

RBS - Mint

Start Date : Approx August 1998
Balance as of 15/06/12 : £11,000
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
April 17th 2012 - Letter from Power2Contact, please re-establish connection with RBS regarding account otherwise doorstep visit.
April 18th 2012 - Doorstep visit template sent to Power2Contact
April 27th 2012 - Doorstep visit from Power2Contact, wife told caller to put card through letterbox and leave.
April 29th 2012 - Letter sent to Power2Contact about doorstep visit - Injunctive relief order template sent.
May 8th 2012 - Letter from Mint, default notice, please pay now
May 23rd 2012 - Letter From Mint, CCA Recieved, Will Upload to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent

RBS today have sent another copy of the CCA they sent before, but the quality of all the pages are really poor quality. Worse than last time.

Also had a letter from Triton Credit Services saying I have failed to make repayment arrangements and to call RBS immediately.

[mjr001]

Re: MJR001 UE Diary

Account No4

RBS - Gold Mastercard

Start Date : Approx August 1999
Balance as of 18/01/12 : £5250
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
May 23rd 2012 - Letter From RBS, CCA recieved, uploaded to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent.
June 02 2012 - Letter from Triton Credit Services, make contact with RBS otherwise debt recovery agent will be involved

Had another letter from Triton today, Payment Demand, send cheque for full amount to Triton.

Also a letter from RBS, saying in their eyes they have met all CCA requests and they do not have to provide a copy of the agreement with signatures, can upload this if needed.

[Deepie]

Re: MJR001 UE Diary

^^^^^^^^^^I Would see what they do next.......

[mjr001]

Re: MJR001 UE Diary

Triton are just in-house RBS. They'll probably pass it on to Wetclothes next as they did with me.

If Niddy has seen the purported agreement and they haven't sent anything different then there's no need to upload it. Their letters are just standard template responses so no need for Niddy to see them, he's seen them all!

For both of the RBS accounts, they sent through application forms and pages of terms and conditions, Niddy said unenforcable, but still a worry as I am not as clued up as most people on here.

Thanks to all

M

[mjr001]

Re: MJR001 UE Diary

Account No3

RBS - Mint

Start Date : Approx August 1998
Balance as of 15/06/12 : £11,200
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
April 17th 2012 - Letter from Power2Contact, please re-establish connection with RBS regarding account otherwise doorstep visit.
April 18th 2012 - Doorstep visit template sent to Power2Contact
April 27th 2012 - Doorstep visit from Power2Contact, wife told caller to put card through letterbox and leave.
April 29th 2012 - Letter sent to Power2Contact about doorstep visit - Injunctive relief order template sent.
May 8th 2012 - Letter from Mint, default notice, please pay now
May 23rd 2012 - Letter From Mint, CCA Recieved, Will Upload to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent
June 15th 2012 - Letters from Triton, demanding payment and also RBS sent another CCA of really poor quality which is the same as last time

Letter from Triton, passed from RBS to them. demanding payment of full amount by cheque otherwise further action will be taken.

Should I respond to this ?

M

[Deepie]

Re: MJR001 UE Diary

Letter from Triton, passed from RBS to them. demanding payment of full amount by cheque otherwise further action will be taken.

Should I respond to this ?

M

If it was me I would send this-------> Account Sold whilst in Dispute......

[Flossy]

Re: MJR001 UE Diary

Letter from Triton, passed from RBS to them. demanding payment of full amount by cheque otherwise further action will be taken.

Should I respond to this ?

M

Hi M

Its a nightmare when you keep getting letters all the time from different companies! If Niddy said its then they cant do anything anyway! As I2D said send the above letter and see what happens but, you've had pretty much a clear run with them all which is great
Glad your Mint was UE, mine was EN unfortunately but hope to try and get them to clear the debt due to health and not being able to work letter

I will be interested to see what they send back...(To you I mean ;-)

[mjr001]

Re: MJR001 UE Diary

Have recieved this from Triton today, Niddy said he thought the terms they sent through were not from when I took the card out and to carry along the UE route, any guidance would be grateful now they have sent this.

best
M

[MrsD]

Re: MJR001 UE Diary

I would send this tomorrow

Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

they could be trying to frighten you into paying.

I would also start my letter with can I refer you to my letter of blah blah

and then use the above as the body of the letter.

RBS are a bit thick.

don't worry

[Never-In-Doubt]

Re: MJR001 UE Diary

I really want to respond to this for you, what utter wankers!!!!

[Never-In-Doubt]

Re: MJR001 UE Diary

1. There are no outstanding obligations, there are 'alleged' obligations;
2. Recommend all you like, however make sure you're prepared to lose a lot of money in the process; plus not often a bank listens to any recommendations made by you is it?
3. This may not involve anything, if I defend it. You are prohibited from using such words, as you are suggesting you already have a judgment, you do not. Breach of CCL so a FOS & OFT complaint could be in order here;
4. You do not have judgment, how the bloody hell can you therefore ask a court to enforce nothing?
5. There are no enforcement options;

The above are some instant thoughts, however at this stage just respond as Mrs D suggests above

[Undercover Elsa]

Re: MJR001 UE Diary

and..contact them to discuss the moment you receive this letter

Grrrrrrrrrrrrrr

That letter makes my blood boil. NO ONE has any right to address you like that!

[mjr001]

Re: MJR001 UE Diary

Account No4

RBS - Gold Mastercard

Start Date : Approx August 1999
Balance as of 18/01/12 : £5250
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
May 23rd 2012 - Letter From RBS, CCA recieved, uploaded to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent.
June 02 2012 - Letter from Triton Credit Services, make contact with RBS otherwise debt recovery agent will be involved.
June 15th 2012 - Letter from Triton demanding payment and also RBS saying they have met all aspects of the CCA request.

Letter from Triton, exactly the same as the letter in post #105, just with this card details on. shall I send back the same letter as before ?

[MrsD]

Re: MJR001 UE Diary

Personally i would send the eejits a one liner, referring them to the letter you sent on post 105. they obviously have trouble reading.