bobogosing's UE diary

[Never-In-Doubt]

Re: bobogosing's UE diary

Sending another enough is enough template to remind them we are still waiting for the original CCA

Nah, just ignore it as I2D has suggested above

[bobogosing]

Re: bobogosing's UE diary

Barclaycard 1 (Mrs bobo's)

• Type of account: Barclaycard
• Date commenced: Before 2004
• Approx balance: £3190
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Barclaycard

11/2/11 Send CCA
18/2/11 Received Terms and Conditions, gathered that's UE
11/3/11 Received letter from Mercers "Immediate Action Needed"
A local debt collector who may call at your home to obtain full repayment
21/3/11 Send Niddy's special http://forums.all-about-debt.co.uk/s...43&postcount=7
31/3/11 Got my 1st doorstep call, lucky I was not in. http://forums.all-about-debt.co.uk/s...p?t=338&page=9
1/4/11 Send Niddy specials yet againhttp://forums.all-about-debt.co.uk/showpost.php?p=54443&postcount=7
13/5/11 Received letter from Calder Financial asking for payment,if fail to pay, further actions will be taken
20/5/11 Sending>>Debtors Final Response - CCA Received
20/6/11 received letter from calder


Hello Niddy and All,

Received this letter from Calder, do I file it away and see what happens? Thanks for any advise. bobo

Hello Everyone!

Today, I received an intended litigation letter from Mongcroft for both my Barclaycard accounts (they both are at the same stages). I've already sent Debtors Final Response - CCA Received template to Calder Finanacial, whom was dealing on behalf of Barclays back in June.

Do I need to send Debtors Final Response - CCA Received templates to Mongcroft aswell or do I file away? Any advise will be greatly appreciate. Thanks in advance. bobo x

PS I recieved the letters today and they are asking me to response by 14th??

[bobogosing]

Re: bobogosing's UE diary

TESCO CREDIT CARD (Mrs bobo's)

• Type of account: Tesco Credit Card
• Date commenced: 2003
• Approx balance: £303.93
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Royal Bank of Scotland PLC-Card Services

25/2/11 Received letter from Moorcroft, will email it to Niddy and wait for advice
26/2/11 Niddy said to ignore letter from Moorcroft. See http://forums.all-about-debt.co.uk/s...&postcount=139
5/3/11 Received "POSSIBLE LITIGATION" letter from Moorcroft, emailing it to Niddy
10/3/11 Send letter as Niddy adviced http://forums.all-about-debt.co.uk/s...&postcount=147
28/3/11 Received CCA from Tesco Credit Card. Uploaded and waiting for Niddy's advise
11/4/11 Send CCA Query letter as advised by Niddy
15/4/11 Received letter from Tesco Credit Card, emailed to Niddy on 17/4/11

Hello Niddy and All!!

Received reply from Tesco, emailing it to you and waits for next move. Thanks x

13/9 Received letter from Robinson Way, saying, "IMMEDIATE ACTION REQUIRED"

Yep! File away. Unless been advised otherwise.

[Deepie]

Re: bobogosing's UE diary

Send this to Moorcroft > Threat by Creditor - To Commence Litigation

Yes just ignore Tesco one

[bobogosing]

Re: bobogosing's UE diary

Morning in 2 deep!

Thanks for the advise. bobo

[Never-In-Doubt]

Re: bobogosing's UE diary

13/9 Received letter from Robinson Way, saying, "IMMEDIATE ACTION REQUIRED"

Yep! File away. Unless been advised otherwise.

Just ignore this for time being.....

[bobogosing]

Re: bobogosing's UE diary

SAINSBURY (mr bobo's)

Started : 11/03
Balance : 8000
date last paid (full amount):07/07/10
Date last paid (On arrangement with Sainsbury):15/09/10
Status: In arrears
send CCA and Niddy confirmed :UE
21/10/10 Received letter from Sainsbury about my dispute with the CCA
14/1/11 Received doorstep visit card
12/1/11 Send doorstep letter
18/4/11 Send CCA dispute letter to Sainsbury and Albion Collections Ltd whom
is acting for Sainsbury
27/4/11 Received letter from Sainsbury, have uploaded in
"Upload your CCA / T&C's" section (3/5/11)
5/5 Niddy advised to ignore final response letter from Sainsbury
16/5 Received letter from BLAIR,OLIVER and SCOTT.
24/5 Sent Threat of Legal Actions & Refusal of Doorstep Visit
6/6 Received letter from Blair. NOTICE OF INTENDED COURT ACTION
12/6 Sent Threat by Lender/DCA - To commence litigation template
29/6 Received letter form Moorcroft, saying it is a legal requirement to send a notice of intended litigation
29/6 send enough is enough template
30/8 received "final response to complaint letter" from moorcroft, saying account is on hold for 14 days and to contact them to arrange paymentplan.
2/9 send account is in dispute
16/9 received "possible litigation" letter from moorcroft


Hi All!

Received possible litigation letter from moorcroft.
I have already sent moorcroft enough is enough template back in 29/6. And an account in dispute template in 2/9.
Do I send anymore template to them or do I ignore, please advise? Going round and round with these muppets
Thanks bobo x

[BBoo]

Re: bobogosing's UE diary

A threat of litigation is very different from real litigation. Moorcroft tend to be spineless. The word 'Possible' is the one that jumps out at me!

[bobogosing]

Re: bobogosing's UE diary

RBS Natwest Cards (Mrs bobo's)

• Type of account: RBS Natwest Card
• Date commenced: pre 2004, will update
• Approx balance: £2714.03
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Royal Bank of Scotland PLC-Card Services

10/2/11 send cca request
25/2/11 received letter from Moorcroft, email to Niddy and wait for advice
26/2/11 Niddy said to ignore this letter from Moorcroft too, as they are in default for not sending my CCA request

5/3/11 Received "POSSIBLE LITIGATION" letter from Moorcroft, emailing it to Niddy
5/3/11 Received CCA, waiting for Niddy's advise
10/3/11 Send letter as Niddy adviced - Threat by Lender/D.C.A - To Commence Litigation
5/5/11 Received LITIGATION WARNING letter from midas creditservices whom is part of Moorcroft. Uploading for Niddy to advise
9/5 sent Threat by Lender/D.C.A - To commence litigation as advised by Niddy
19/8 received ligitigation warning from midascreditservices
2/9 sent enough is enough template to midascreditservices
9/9 received letter from moorcroft saying," unfortunately moorcroft is no longer responsible for collection activity on this account."
14/9 received notice of debt collection letter from westcot, it says," please contact us as soon as possible as failure to do so will result in further recovery action"


Hi All!

Received notice of debt collection letter from westcot, it says," please contact us as soon as possible as failure to do so will result in further recovery action"


Sending "threat of legal action & refusal of doorstep visit" template 1st thing in the morning.

bobo x

[Deepie]

Re: bobogosing's UE diary

SAINSBURY (mr bobo's)

Started : 11/03
Balance : 8000
date last paid (full amount):07/07/10
Date last paid (On arrangement with Sainsbury):15/09/10
Status: In arrears
send CCA and Niddy confirmed :UE
21/10/10 Received letter from Sainsbury about my dispute with the CCA
14/1/11 Received doorstep visit card
12/1/11 Send doorstep letter
18/4/11 Send CCA dispute letter to Sainsbury and Albion Collections Ltd whom
is acting for Sainsbury
27/4/11 Received letter from Sainsbury, have uploaded in
"Upload your CCA / T&C's" section (3/5/11)
5/5 Niddy advised to ignore final response letter from Sainsbury
16/5 Received letter from BLAIR,OLIVER and SCOTT.
24/5 Sent Threat of Legal Actions & Refusal of Doorstep Visit
6/6 Received letter from Blair. NOTICE OF INTENDED COURT ACTION
12/6 Sent Threat by Lender/DCA - To commence litigation template
29/6 Received letter form Moorcroft, saying it is a legal requirement to send a notice of intended litigation
29/6 send enough is enough template
30/8 received "final response to complaint letter" from moorcroft, saying account is on hold for 14 days and to contact them to arrange paymentplan.
2/9 send account is in dispute
16/9 received "possible litigation" letter from moorcroft


Hi All!

Received possible litigation letter from moorcroft.
I have already sent moorcroft enough is enough template back in 29/6. And an account in dispute template in 2/9.
Do I send anymore template to them or do I ignore, please advise? Going round and round with these muppets
Thanks bobo x

Send them this > Threat by Creditor - To Commence Litigation

[Deepie]

Re: bobogosing's UE diary

RBS Natwest Cards (Mrs bobo's)

• Type of account: RBS Natwest Card
• Date commenced: pre 2004, will update
• Approx balance: £2714.03
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Royal Bank of Scotland PLC-Card Services

10/2/11 send cca request
25/2/11 received letter from Moorcroft, email to Niddy and wait for advice
26/2/11 Niddy said to ignore this letter from Moorcroft too, as they are in default for not sending my CCA request

5/3/11 Received "POSSIBLE LITIGATION" letter from Moorcroft, emailing it to Niddy
5/3/11 Received CCA, waiting for Niddy's advise
10/3/11 Send letter as Niddy adviced - Threat by Lender/D.C.A - To Commence Litigation
5/5/11 Received LITIGATION WARNING letter from midas creditservices whom is part of Moorcroft. Uploading for Niddy to advise
9/5 sent Threat by Lender/D.C.A - To commence litigation as advised by Niddy
19/8 received ligitigation warning from midascreditservices
2/9 sent enough is enough template to midascreditservices
9/9 received letter from moorcroft saying," unfortunately moorcroft is no longer responsible for collection activity on this account."
14/9 received notice of debt collection letter from westcot, it says," please contact us as soon as possible as failure to do so will result in further recovery action"


Hi All!

Received notice of debt collection letter from westcot, it says," please contact us as soon as possible as failure to do so will result in further recovery action"


Sending "threat of legal action & refusal of doorstep visit" template 1st thing in the morning.

bobo x

I Would just ignore for now see what they send next

[bobogosing]

Re: bobogosing's UE diary

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.

Hi All!

Received letter from MBNA
Do I ignore? Thanks in advance for any advise. bobo x

[bobogosing]

Re: bobogosing's UE diary

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.

Received the same letter as mbna credit card. This one is enforceable, so, i am blagging it and see what happens.
Do I ignore?

[bobogosing]

Re: bobogosing's UE diary

Barclaycard 1 (Mrs bobo's)

• Type of account: Barclaycard
• Date commenced: Before 2004
• Approx balance: £3190
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Barclaycard

11/2/11 Send CCA
18/2/11 Received Terms and Conditions, gathered that's UE
11/3/11 Received letter from Mercers "Immediate Action Needed"
A local debt collector who may call at your home to obtain full repayment
21/3/11 Send Niddy's special http://forums.all-about-debt.co.uk/s...43&postcount=7
31/3/11 Got my 1st doorstep call, lucky I was not in. http://forums.all-about-debt.co.uk/s...p?t=338&page=9
1/4/11 Send Niddy specials yet againhttp://forums.all-about-debt.co.uk/showpost.php?p=54443&postcount=7
13/5/11 Received letter from Calder Financial asking for payment,if fail to pay, further actions will be taken
20/5/11 Sending>>Debtors Final Response - CCA Received
20/6/11 received letter from calder

Today, I received an intended litigation letter from Moorcroft for both my Barclaycard accounts (they both are at the same stages). I've already sent Debtors Final Response - CCA Received template to Calder Finanacial, whom was dealing on behalf of Barclays back in June.

Do I need to send Debtors Final Response - CCA Received templates to Moorcroft aswell or do I file away? Any advise will be greatly appreciate. Thanks in advance. bobo x

PS I recieved the letters today and they are asking me to response by 14th??

Hi All!

Received letter from moorcroft dated 26/9/11, asking for £1 fee to supply CCA.

Do I need to send the £1?

I have already sent £1 to OC (barclaycard) on 11/2 /11 to request for my CCA, and they only sent terms and conditions on 18/2/11.

Any advise please? Thanks bobo x

[Susie]

Re: bobogosing's UE diary

I wrote Moorcroft a nice letter explaining that I had SENT £1 ALREADY and would they therefore please request my AGREEMENT from their client (thought big letters may help them a bit), account was put on hold while they contacted their client - I still await an agreement