bobogosing's UE diary

[bobogosing]

Re: bobogosing's UE diary

UPDATE


MBNA Visa




Started :11/1998
Balance : 21,300
date last paid (full amount):17/08/10
Date last paid (reduced payment):23/09/10
Status: In arrears

Send CCA 5/10/10


Received CCA 21/10/10
Niddy confirmed 22/10/10
Received letter from MBNA demanding missed payments and emailed to Niddy 14/12/11
12/5/11 Received credit agreement terminated letter
20/5/11 Sending>>>Threat by Lender/D.C.A - To Commence Litigation as Niddy advised
8/6 received reply from mbna saying, " as we have now supplied you with a copy of your credit agreement, we are unclear what further information you are requesting. mbna europe bank ltd ("we") are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. as such, there is no need to seek an enforcement order to exercise our rights"
7/10 received letter from mbna saying they decided that they will take action of placing the debt with a debt collection agency.
10/10 received letter from AIC. see post#321 Advised to ignore
14/10 received letter from AIC. see post #331 Advised to ignore
Received letter from MBNA dated 17/10. See post #347. Advised to ignore.
20/1/12 Received letter from MBNA and Arrow global. See post #410. Advised to sent "Account sold in dispute" to Arrow.
21/1/12 Sent "Account sold in dispute" template
27/1/12 Received letter from AIC
10/3/12 Received letter from Arrow dated 8/3/12
7/2/13 Received letterfrom Rossendales Collect

Everyone!

Received letter from Rossendales Collect today.
To be honest inbetween 10/3/12 up to now, letters have been ignored, either from Arrow or Rossendales.
Its just going round and round in circles.
Looks like I will need to send Rossendales a copy of the "Account sold in dispute" which I sent to Arrow back in 21/1/12.

[SXGuy]

Re: bobogosing's UE diary

Some mobile providers have a telephone directory, you need to check and ask for your number to be x directory, thats what i did with mine some years ago.

Or you may have rang the OC years ago from your mobile and they logged the number.

[pompeyfaith]

Re: bobogosing's UE diary

possibly if it is a paug you could change the sim card and then just give the number to trusted friends and family that is what I did and never had any such calls in yonks.

[bobogosing]

Re: bobogosing's UE diary

I had the same letter from them too. I did note a couple of questions for them, such as if I can't be supplied a copy of the CCA they say I signed how am I expected to know that and, assuming by the letter they have a copy, can they send me one please?

I was going to ask those questions when the doorstep collector turned up..........

It's annoying when you get stuff like that on your mobile. How long have you had the number? If quite a while the odds are it's out there on interweb....

Had the number for over 5 yrs. Its strange that they have it. I wonder if they paying our providers for the nos??

[oldyboy]

Re: bobogosing's UE diary

I had the same letter from them too. I did note a couple of questions for them, such as if I can't be supplied a copy of the CCA they say I signed how am I expected to know that and, assuming by the letter they have a copy, can they send me one please?

I was going to ask those questions when the doorstep collector turned up..........

It's annoying when you get stuff like that on your mobile. How long have you had the number? If quite a while the odds are it's out there on interweb....

[bobogosing]

Re: bobogosing's UE diary

Everybody!

Not heard from creditors for a while as you can see from my last posting date.

But today I received a text to my mobile from scotcall.

"This is an important message from scotcall regarding account. Please call us on 0844 257 8538 quoting reference ******** to discuss. Thank you"

How on earth did they find my no.??
I know my mobile phone provider do update monthly with credit file company, are they allow to give my no. to scotcall?

I have never used my mobile to talk to any creditors.........it really is baffling me.

Anyone??

Thank you in advance. bobo x

[bobogosing]

Re: bobogosing's UE diary

Thank you I2D! Will leave it like you said and see what they'll do next.

[Deepie]

Re: bobogosing's UE diary

Hi All!

Received reply from scotcall debt collecting services to my "Harassment and threat of doorstep" that I sent on 7/9/12.

".......The case you have referred to is not applicable to your curcumstances. As part of the credit agreement that you signed and entered into, you agreed to replay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection" Is the right?

So, "Harassment and threat of doorstep" template does not work with these bullies??

Please advise what to do next?

bobo x

If it were me............just see what they do next.......... scare tactics

[bobogosing]

Re: bobogosing's UE diary

MINT (Mr bobo)

Started : 07/04
Balance : £7506.58
date last paid (full amount):28/08/10
Date last paid (Reduced payment):30/09/10
Status: In arrears

send CCA and Niddy confirmed UE
send letter as Niddy advised, agreement was a re-con
1/2/11 received letter from Triton for payment demand
18/2/11 received letter from Triton "URGENT ACTION REQUIRED"
emailed letter to Niddy
26/2/11 Send letter to Triton as Niddy advised. See post#130
18/3/11 received letter from Green&Co Solicitors, emailed to Niddy
11/4/11 send Lender/D.C.A - To commence ligitgation letters to Mint and Green&Co as Niddy advised on post#189
Received letter from Green&Co dated 12/4/11. Emailing it to Niddy (22/4/11)
Received letter from Mint dated 18/4/11. Emailing it to Niddy (22/4/11)
9/5/11 Send Debtors Final Response -CCA Received letter as Niddy advised
10/5/11 Receieved further Action letter from Newman
20/5/11 Sending>>>Threat-o-Gram - Letter before Action as Niddy advised
24/5 Received Final Response from Newman. Niddy advised to ignore.
Received notice of debt collection from wescot dated 4/11/11.See post#356
Received wescot "IMPORTANT FINAL NOTICE" dated 15/11
18/11 Sent >>>>>Unenforceability Templates - Section 4 as advised
Received letter from wescot dated 23/11. See post#365
23/5/12 Received letter from regal credit. Asking to make a suitable appointment time to see my OH
20/6/12 Received letter from Regal Credit, wants to hear proposal for repayment.
21/6 send Final Response - UE template
7/7 Received letter from wetcloth dated 5/7
21/8 Received "NOTICE OF PERSONAL VISIT"letter from scotcall debt collecting services, sent "Harassment and threat of doorstep" template on 7/9.
10/9 Received reply to "Harassment and threat of doorstep" template sent on 7/9

Hi All!

Received reply from scotcall debt collecting services to my "Harassment and threat of doorstep" that I sent on 7/9/12.

".......The case you have referred to is not applicable to your curcumstances. As part of the credit agreement that you signed and entered into, you agreed to replay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection" Is the right?

So, "Harassment and threat of doorstep" template does not work with these bullies??

Please advise what to do next?

bobo x

[bobogosing]

Re: bobogosing's UE diary

Thank you Mrs D! Just realised I've not upload the letter from ARC....silly me!

Sending "sold in dispute" as advised.

[The Tech Clerk]

Re: bobogosing's UE diary

Usual begging letter, monitoring your ability to pay, can they not think of something else?

[bobogosing]

Re: bobogosing's UE diary

if it's the first letter from ARC then the sold in dispute should suffice.

Thank you Mrs D! Just realised I've not upload the letter from ARC....silly me!

[MrsD]

Re: bobogosing's UE diary

if it's the first letter from ARC then the sold in dispute should suffice.

[bobogosing]

Re: bobogosing's UE diary

Update

MBNA Virgin

Started : 03/08
Balance : 4570
date last paid (full amount):04/09/10
Date last paid (Reduced payment):23/09/10
Status: In Arrears

Send CCA 5/10/10
Received CCA 22/10/10
Niddy confirmed and adviced to send blagging letter 22/10/10
Received letter from Virgin demanding missed payments, emailed a copy to Niddy 14/12/10
7/10/11 received letter from mbna virgin saying they decided that they will take action of placing the debt with a debt collection agency. Advised to ignore.
19/10/11 Received EARLY SETTLEMENT OFFER letter from AIC dated 17/10/11. Advised to ignore.
26/1/12 Received 2 letters. 1 from MBNA Virgin and the other from Arrow. Going to send "Account sold in dispute" template.
27/01/12 Send "Account sold in dispute" to Arrow
14/4/12 Received letter from dryensfairfax

Hello All!

Received letter from ARC today for my OH Virgin account. Feeling worried about this one because it feels like we are being watched by "Big Brother"!!
Please advice which template to send. Thank you in advance. bobo x

[bobogosing]

Re: bobogosing's UE diary

Thank you all! Really appreciate the feedbacks, helps me to stay strong. x