MJR001 UE Diary

[mjr001]

Account No1

Egg - Moorcroft / Wescot

Start Date : Approx Jan 04
Balance as of 18/01/12 : £685 (original Balance £3000)
Last Full Payment : 01/01/12
Status : Payments Stopped.


Jan 6th 2012 : CCA request issued to Moorcroft
Jan 18th 2012 : Letter unable to provide CCA (uploaded)
April 16th 2012 - Letter from Moorcroft saying account in default unless I contact them to arrange payment, advised to ignore.
May 8th 2012 - Letter from Moorcroft, notice of intended litigation in county court.
May 8th 2012 - letter sent to Moorcroft, template for previous no CCA letter
June 06th 2012 - Letter from Wescot demanding payment
June 14th 2012 - Letter from Wescot - Final Notice - 10 days to reply !!
June 15th 2012 - Letter sent to Wescot - letter prevuiously confirming no CCA, received before from Moorcroft
August 31st 2012 - Letter from Wescott - Spreadheet type prints of name, address, job title etc
October 12th 2012 - Letter from Nelson Guest Solicitors - willing to consider options or further recovery action will be taken
October 12th 2012 - Letter sent to Nelson Guest - Account sold in dispute
November 2nd 2012 - Letter from Wescot - same as letter on August 15th, spreadsheet of my name, address, work details etc ?

[mjr001]

Re: MJR001 UE Diary

Account No2

Barclaycard - Apex

Start Date : Approx August 2000 (Apex took over approx Aug 2011)
Balance as of 18/01/12 : £3700 (original Balance £4500)
Last Full Payment : 01/12/11 - £20(part payment 01/01/12 - £5)
Status : Payments Stopped

Jan 6th 2012 - CCA request to Apex
Jan 11th 2012 - Letter from Apex, account on hold while requesting docs
Feb 13th 2012 - Letter From Barclaycard (via Apex) CCA Received, Niddy says
Feb 14th 2012 - Missing prescribed terms letter sent
Feb 25th 2102 - Letter From Apex, Disputing missing prescribed terms, sent to Niddy to check over
Feb 26th 2012 - Final response - Unenforcable, (CCA sent) template sent to Apex.
Mar 9th 2012 - Letter from Apex, recon agreement acceptable to them and no signature also acceptable ?. Advised to ignore.
October 26th 2012 - Letter from Apex - Notice of sum of arrears
Dec 28th 2012 - Default notice from Apex, unless payment made further action will be taken
Jan 25th 2013 - Letter from Apex, Agreement terminated, pay balance immediately

[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
June 25th 2012 - Letter from Triton, demanding full payment by cheque otherwise further action will be taken
June 26th 2012 - Account in Dispute letter sent to Triton
July 30th 2012 - Letter from Triton - Notice of legal proceedings letter received
July 30th 2012 - Letter sent to Triton - Threat o gram before action template sent
August 11th 2012 - Letter from Mint in response to threat o gram letter I sent them, saying they have fully compiled with CCA request.
August 12th 2012 - Letter sent to Mint, Uneforcable final template sent
August 13th 2012 - Letter from Green & Co solicitors, instructed to commence court proceedings
August 14th 2012 - Letter sent to Green & Co - Sold in dispute
August 17th 2012 - Letter received from Green & Co - Closing file and returning to Trition Credit Services
August 18th 2012 - Letter received from Mint - do not considor account to be in dispute, our final response
Sep 21st 2012 - Letter from Mint, unable to agree a suitable repayment plan. Transferring to Shoosmiths, letter from them within 14 days
October 9th 2012 - Letter from Shoosmiths, if you have been unable to come to an arrangement before, we can help, will contact me within 7 days
October 11th 2012 - Letter sent to Shoosmiths - Account in Dispute
October 17th 2012 - Letter from Shoosmiths - Please send £1 fee and letter direct to RBS for copy of CCA
October 17th 2012 - Letter sent to Shoosmiths - One liner saying request for CCA and fee was sent to RBS in March
October 25th 2012 - Letter from Shoosmiths - Client has confirmed s78 request on 16th may, and confirmed in letter August 18th. fill in expenditure sheet to offer proposals for payment
October 26th 2012 - Letter sent to Shoosmiths - CCA received, unenforcable
November 2nd 2012 - Letter from Shoosmiths - regarding unenforcability and saying proceedings will be issued.
November 14th 2012 - Letter sent to Shoosmiths, saying is it too hard to find a legible copy of the agreement to send me
Jan 7th 2013 - Letter from Shoosmiths, enclosing agreement and terms, slightly clearer than before
Jan 21st 2013 - Letter from Shoosmiths, contact within 14 days otherwise claim will be instructed
Jan 18th 2013 - Letter sent to Shoosmiths(crossed in post with above) explaining circumstances and enclosing I/O sheet with pro-rata offer
Jan 23rd 2013 - Letter received from Shoosmiths, saying offer unacceptable and requesting over twice whatt was offered
Jan 26th 2013 - Letter special drafted by Undercover Elsa to send to Mint, with copy sent to Shoosmiths explaining offer was made pro-rata and should accept
Feb 5th 2013 - Letter from Mint, investigating my complaint, will be in contact again within 10 working days

[mjr001]

Re: MJR001 UE Diary

Account No4

RBS - Gold Mastercard

Start Date : Approx August 1999
Balance as of 18/01/12 : £6360.00
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.
August 9th 2012 - Letter from Triton Credit Services, notice of legal proceedings.
August 9th 2012 - Letter sent to Triton, account in dispute with Royal Bank of Scotland.
September 5th 2012 -Letter from Natwest ?. Copy of my last letter which was sent to Triton (account in dispute) with a covering letter
saying the £1 fee has not been included and they also want a copy of my signature.
September 29th 2012 - Letter from Green & Co solicitors, notification of possible court proceedings.
September 29th 2012 - Letter sent to Green & Co - Sold in Dispute
October 2nd 2012 - Letter from Green & Co - Account with them closed and sent back to Trition Credit Services
November 12th 2012 - Letter from RBS - Do not condider account in dispute, contact FOS if not satisfied
November 19th 2012 - Letter from RBS - Unable to come to suitable repayment plan, account passed to Direct Legal, will contact within 14 days
December 4th 2012 - Letter from Direct Legal (part of Hillesden Securities), contact to agree suitable payment proposal
December 7th 2012 - Letter sent to Direct Legal - account in dispute
December 14th 2012 - Letter received from Direct Legal - acknowledgement of my complaint
December 17th 2012 - Response to complaint letter I sent Dec 7th, do not consider themselves as harrassing, referred account in dispute part back to RBS and are awaiting a response
Jan 2nd 2013 - Letter from Direct Legal, RBS have confirmed to them that they have complied to their obligations
Jan 29th 2013 - Reminding me of letters sent previous, copies enclosed and to contact FOS if unhappy
Feb 8th 2013 - Letter sent to DLC describing circumstances and enclosing I/O sheet with offer of pro rata payment

[mjr001]

Re: MJR001 UE Diary

This is the letter from moorcrap, when they eventually get a brain and send another do i just send the account in dispute one to the idiots ?

[Pixie]

Re: MJR001 UE Diary

Keep that letter (dated and stapled to the envelope it came in) very safe. They cannot take court action where there is no cca.

You don't need to send anything back to Moorcroft. Just wait and see what they send next, if anything. They may just pass it on to the next dca in line.

[Never-In-Doubt]

Re: MJR001 UE Diary

The good thing is the two big debts are both likely to be

Let's see what the cca brings eh?

[mk_chatham]

Egg / Moorcroft

This is the letter from moorcrap

Hi MJR

Well done, they have confirmed that this debt is

Now starts the waiting game of 6 years until it is statute barred and then finally legally 'dead'.

They can, and probably will, 'sell' this debt on but we have templates to send to the new DCA, so keep this letter safe. When anyone writes to you about this debt just post up a short summary and we will advise which is the best template to use.

Just checking that you have now stopped paying this now as the last payment says 01 Jan 12.

That's one down, three to go....

Good luck

MK

[Undercover Elsa]

Re: MJR001 UE Diary

Another of Moorcroft's idiotic templates saying "the Information Commissioner's Office has confirmed that whereas a debtor is not obliged to repay the amount due to the provisions of the Consumer Credit Act....."

Someone should tell them it's the OFT...

[Miss Molly]

Re: MJR001 UE Diary

Another of Moorcroft's idiotic templates saying "the Information Commissioner's Office has confirmed that whereas a debtor is not obliged to repay the amount due to the provisions of the Consumer Credit Act....."

Someone should tell them it's the OFT...

Why would you want to prevent them from making idiots of themselves :

[mjr001]

Re: MJR001 UE Diary

Yes this has now stopped being paid. M

[mjr001]

Re: MJR001 UE Diary

Sorry to ask this question, i know I should not. before I was introduced to this site I used to read posts etc of another site that deals in the same sort of things as you guys. CAG. Since finding this site I do not use it anymore but do have a question.

I know by reading the posts here that the UE route works, but still concerned that the other site says to go down the "drop everyone to £1 per month route", they did this with me. are there any recent cases of the UE route not working if they cannot produce a valid CCA and take it to court ?

sorry for asking
M

[nanna58]

Re: MJR001 UE Diary

very well said FP xx

[Never-In-Doubt]

Re: MJR001 UE Diary

very well said FP xx

I agree, not much to add - thanks FP

[garlok]

Re: MJR001 UE Diary

Sorry to ask this question, i know I should not. before I was introduced to this site I used to read posts etc of another site that deals in the same sort of things as you guys. CAG. Since finding this site I do not use it anymore but do have a question.

I know by reading the posts here that the UE route works, but still concerned that the other site says to go down the "drop everyone to £1 per month route", they did this with me. are there any recent cases of the UE route not working if they cannot produce a valid CCA and take it to court ?

sorry for asking
M

Hi,

FP has pretty much said it all. However to bring this on to a legal level, the managing partner of one of the specialist litigation law practices in the country that are experts in consumer law and act for consumers says the following in the public domain:-

" it is perfectly proper that large sophisticated financial institutions should pay the penalties laid down in the Consumer Credit Act 1974 for not complying in full with the requirements of the Act. Those penalties being forfeiture of all of the benefits of the alleged agreement."

Or words to that effect. Also if the agreement inception date falls prior to April 2007 then in Law the court has no jurisdiction as such to grant an enforcement order of any kind.

regards
Garlok