bobogosing's UE diary

[Never-In-Doubt]

Re: bobogosing's UE diary

Just ignore

[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.
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

Hello Everyone!

Received letter from MBNA dated 17/10/11 but only received it recently.
Do I file away please? Thanks bobo x

[swanfan]

Re: bobogosing's UE diary

Yea, just ignore it.

[bobogosing]

Re: bobogosing's UE diary

Wow!! Super fast service. Thank you swanfan x

[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
17/4/11 Received reply from Tesco
13/9 Received letter from Robinson Way, saying, "IMMEDIATE ACTION REQUIRED"
Received letter from Robinson Way 26/9/11(see post #316) - Been advised to ignore
Received letter from robthisway dated 13/10/11 (see post #326)
Been advised to ignore
14/11/11 Received post card from robins way going to send the door step template

Hi All!

Received a hand posted post card in a brown envelope addressed to myself from robins way, good job the shop was closed at time.

Can I ask, are debt collectors allowed to go into business premises to ask for the debtor? I am asking this is because I am still using my old work address and I don't want to let them know my new work address. Thank you! bobo x

[Pixie]

Re: bobogosing's UE diary

Can I ask, are debt collectors allowed to go into business premises to ask for the debtor? I am asking this is because I am still using my old work address and I don't want to let them know my new work address. Thank you! bobo x

I don't know the answer to that bobo but I wouldn't think so unless maybe it's your own business.

14/11/11 Received post card from robins way going to send the door step template

Robins way? Robbers way more like!

Why the frown when you say you're going to send doorstep template? Send it off!

[bobogosing]

Re: bobogosing's UE diary

I don't know the answer to that bobo but I wouldn't think so unless maybe it's your own business.



Robins way? Robbers way more like!

Why the frown when you say you're going to send doorstep template? Send it off!

Thank you Pixie! No its not my business. Its my old work address.

The frown is for wasting more of my stamps

bobo x

[BBoo]

Re: bobogosing's UE diary

I can't see why they couldn't go into your old work address, just as I could and ask for you, then ask if they knew where you'd moved to.

In theory, if you write to them saying you don't want to be contacted at work, under the new OFT Debt Collection Guidelines, they should respect your request.

[Paul.]

Re: bobogosing's UE diary

I can't see why they couldn't go into your old work address, just as I could and ask for you, then ask if they knew where you'd moved to.

In theory, if you write to them saying you don't want to be contacted at work, under the new OFT Debt Collection Guidelines, they should respect your request.

As long as you are engageing them in correspondence of course, if you are ignoring them and trying to avoid the matter then they would be entitled to speak to you at your work

[bobogosing]

Re: bobogosing's UE diary

As long as you are engageing them in correspondence of course, if you are ignoring them and trying to avoid the matter then they would be entitled to speak to you at your work

Thank you Paul! I have been corresponding with them from the advise I received from Niddy and the mods, otherwise, I wouldn't know what or how to deal with them.

[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.

Hello!

Received notice of debt collection from wescot dated 4/11/11.

Have not heard from anyone regarding this account for a while.
The last time I received anything for this account was from Newman. See post#225, Niddy advised to ignore.

Please advise what template do I send wescot? Or do I file away. Thanks bobo x

[swanfan]

Re: bobogosing's UE diary

Well i'd be tempted to write back & query calling themselves 'specialists'

But just file away for now.

[bobogosing]

Re: bobogosing's UE diary

Well i'd be tempted to write back & query calling themselves 'specialists'

Thank you swanfan!I will settle with "file it away" x

[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"
12/10/11 received" an offer to reduce the amount payable on your debt" letter from nelson guest & partners solicitors, see post #324. Advised to ignore

Hello!

Received two letters from wescot, dated 3/11/11 and 11/11/11.
Do I need to reply to "address verification" letter which is dated 3/11/11? Thank you in advance. bobo x

[BBoo]

Re: bobogosing's UE diary

I'd let them make their assumptions. It's not going to really change much in the scheme of things as the second letter proves.