bobogosing's UE diary

[bobogosing]

Re: bobogosing's UE diary

BARCLAYCARD (Mr bobo's)

Started : 06/03
Balance : 4406
date last paid (full amount):14/09/10
Status: In arrears
send CCA and Niddy confirmed :UE
Received Final Response letter from Barclay.
13/1/11 Emailed to Niddy. For Niddy's response see post#90
Received letter from Calder Financial dated 14/3/11. Emailing it to Niddy for advise(22/4/11)
6/6/11 sent Debtors Final Response - CCA Received as Niddy advised
24/1/14 Received letter from MK Rapid Recoveries
26/1/14 Sent CCA
3/3/14 Received letter & tc from Barclay dated 28/2/14
Received "Notice of intended legal action" letter from Keynes Collections dated 26/3/15.
6/4/15 Sent Niddy's template (#689) together with Plan B's advise #695 to Keynes and MKDP
Received reply/letter from MKDP dated 10/4/15 #699

Hi all,

I have received reply from MKDP.

I definitely will file this away very safe

Thank you Niddy and Plan B. I know they won't stop chasing but at least they cannot do anything legally.

bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

Yay! Thank you PlanB.

Will do what what you advised and send with Niddy's template to Keynes tomorrow.

bobo x

Good luck.

Thanks planB - let's hope they do the right thing for once!

[bobogosing]

Re: bobogosing's UE diary

Wowsa, that's the letter you need!

The first two paragraphs on Page 2 make it clear that MKDP are fully aware that they cannot and therefore will not enforce the debt. It's there in black and white.

Highlight those two paragraphs in yellow and the last paragraph on Page 1, and attach the whole letter to Niddy's letter (forget the Barclays' letter for now).

Add a small paragraph into Niddy's letter after the one ending in "will not work" which says something like "Your client MKDP is also fully aware that this debt is unenforceable which they confirmed in writing to me on 20th May 2014 (see attached)".

Lucky you to have that letter even if you never posted it on the forum. Something tells me you won't be hearing from Keynes again after this.

Plan B x

Yay! Thank you PlanB.

Will do what what you advised and send with Niddy's template to Keynes tomorrow.

bobo x

[PlanB]

Re: bobogosing's UE diary

I have received unenforceable letter from both. Post #592 is from Barclays.
Here's the one from MKDP.

If Keynes are silly enough to issue a court summons then that letter from Barclays and that letter from MKDP could be the two exhibits you'd attach to your application for a strike-out of the proceedings before they even get to first base

Plan B x

[PlanB]

Re: bobogosing's UE diary

Wowsa, that's the letter you need!

The first two paragraphs on Page 2 make it clear that MKDP are fully aware that they cannot and therefore will not enforce the debt. It's there in black and white.

Highlight those two paragraphs in yellow and the last paragraph on Page 1, and attach the whole letter to Niddy's letter (forget the Barclays' letter for now).

Add a small paragraph into Niddy's letter after the one ending in "will not work" which says something like "Your client MKDP is also fully aware that this debt is unenforceable which they confirmed in writing to me on 20th May 2014 (see attached)".

Lucky you to have that letter even if you never posted it on the forum. Something tells me you won't be hearing from Keynes again after this.

Plan B x

[bobogosing]

Re: bobogosing's UE diary

In case we've got crossed wires, I was referring to the letter from Barclays (not MKDP) dated 28th February 2014 in your post # 592

I'm sure we're talking about the same one but I thought I should check.

Plan B x

Sorry PlanB! Don't mean to be confusing. I have received unenforceable letter from both. Post #592 is from Barclays.
Here's the one from MKDP. Didn't realise I have not posted it up. Sorry!!

bobo x

- - - Updated - - -

sorry! Don't know how to straighten the 2nd letter

[PlanB]

Re: bobogosing's UE diary

Will attach a copy of the unenforceable letter from MKDP with Niddy's template to Keynes.

In case we've got crossed wires, I was referring to the letter from Barclays (not MKDP) dated 28th February 2014 in your post # 592

I'm sure we're talking about the same one but I thought I should check.

Plan B x

[bobogosing]

Re: bobogosing's UE diary

Since you've already got a letter from Barclays admiting the debt is unenforceable, why don't you attach a copy of that to your letter highlighting the relevant sentence.

Your letter is saying that you have confirmation from Barclays that no agreement exists, but it's possible that Keynes won't know that unless they've been given a copy by MKDP (which I doubt) , so spell it out for them.

Plan B x

Thanks PlanB! Will attach a copy of the unenforceable letter from MKDP with Niddy's template to Keynes. Sending it on Tuesday via RD.
Will update when I hear from them.....but hope I don't! :P

bobo x

[PlanB]

Re: bobogosing's UE diary

Since you've already got a letter from Barclays admiting the debt is unenforceable, why don't you attach a copy of that to your letter highlighting the relevant sentence.

Your letter is saying that you have confirmation from Barclays that no agreement exists, but it's possible that Keynes won't know that unless they've been given a copy by MKDP (which I doubt) , so spell it out for them.

Plan B x

[bobogosing]

Re: bobogosing's UE diary

Bobo - if it was me, I would probably send something like this to MKDP - if it were me, of course


** edit the parts necessary

Thanks Niddy!

I will use the above template.
And if they do ...."any attempt made by you to harass, bully or intimidate", I know where to get help

bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

Bobo - if it was me, I would probably send something like this to MKDP - if it were me, of course


** edit the parts necessary

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your recent letter dated xx/xx/2015 and note the content within.

I'd like to draw your attention to the fact that I've already got confirmation from the original creditor, Barclays, that there is no such original agreement and thus any attempt made by you to harass, bully or intimidate me will not work.

As you are aware I would be acting as a litigant in person and you will also be aware, it would be my intention to defend any such claim should one be issued.

I therefore suggest that you close this account effective immediately.

Yours Faithfully




Sign Digitally

[bobogosing]

Re: bobogosing's UE diary

Sit tight I'll email you asap

Thank you Niddy! Will look out for the email

bobo x

[bobogosing]

Re: bobogosing's UE diary

You've got nearly 700 posts on your thread which is why I can't be expected to remember what's been said in one of them in the past (there are 354 UE Diary threads too!). If something is relevant to a current situation then it may make sense to post the original post again (as a quote) with your update to refresh minds.

I'll ask someone to pop in before Tuesday to agree whether or not you should send a fresh CCA request or just the LBA response template letter. In real life I would suggest you send them a copy of that Barclaycard "we cannot enforce" letter but Keynes don't live in the real world. However there may be a way of combining that info with the LBA response letter.

Have a lovely Easter and try not to worry

Plan B x

Thanks PlanB! I tried to include the letter from previous post #592 but when I click reply with quote, the letter doesn't show on new posts
And I am not good with computers.

Ok! Will wait for advice.

Thank you! You have a good Easter too

bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

Sit tight I'll email you asap

[PlanB]

Re: bobogosing's UE diary

I am baffled with what you are saying. if you read the letter in post #592 from MKDP, will that help?

You've got nearly 700 posts on your thread which is why I can't be expected to remember what's been said in one of them in the past (there are 354 UE Diary threads too!). If something is relevant to a current situation then it may make sense to post the original post again (as a quote) with your update to refresh minds.

I'll ask someone to pop in before Tuesday to agree whether or not you should send a fresh CCA request or just the LBA response template letter. In real life I would suggest you send them a copy of that Barclaycard "we cannot enforce" letter but Keynes don't live in the real world. However there may be a way of combining that info with the LBA response letter.

Have a lovely Easter and try not to worry

Plan B x