Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
ballance £8,254.44
Defaulted 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopys of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed aplication [think this was a flyer] with no T+C visable, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my responce to their letter of the 5/9/13 [missing PT]
from my most recent correspondance he is aware that i feel the debt which is currently on my CC acount is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benifits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to persue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds, decided to wait for the next letter from freds

13/03, letter from freds dated 11/03/14, Freds have decided to go in for the kill as they have sent a LBA and they want the money IN FULL with in the next 7 days otherwise they will take IMMEDIATE ACTION, i quote
"There remains a balance outstanding on this acount and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or Sherrifs Court) further additional costs will be added to the outstanding balance, they go on to list costs, and if a judgement or Decree is obtained and remains unsatisfied a baliff or sheriff officer may be instructed to recover assets to discharge the outstanding debt, do they not have to go to court and win first?
they continue, A judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.
for your convenience we offer a variety of ways to pay see reverse of letter or go to fredpay.com

just off out to send LBA template x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S charge cardstarted 1997
balance £1645.23
default 2007
prorata upto date OC not paid since april 2012

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA
29/05 no CCA received letter sent

18/06 CCA rec will send to Niddy
23/06 letter received from Moorcroft dated 21/06 ' they have been instucted by M N S to to collect my overdue debt' I must make full payment within 7 days' OR' call them IMMEDIATLEY to prevent them recommending further debt recovery action to their client. they and their client do not wish to do this, but if no agreement cannot be reached by 28/06/12 they may have no alternative
they point out that their client has registered a default against my credit file in relation to this account
25/06 Letter fromM n S dated 20/06 they have asked Moorcroft to take responsibility for my account allpayments and queries to them
30/06 another letter from MnS they have asked Moorcroft to ect ect ect....
07/07 letter from Moroncust(05/07) they have been asked by their clients to Increase my outstaning debt by. this will increase my total debt to £1645.23, and I should contact them by 12/07 to discuss an affordable repayment arrangement that will clear this ammount in the shortest possable time.
If I am in receipt of certain benifits they may be able to asist me in establishing payment of this account through the benifits system
20/07 letter from Morecrap.19/07 they feel that I may not be in a position to repay the debt in full,so, to stop them recomending to their client that further debt recovery action should be taken, they are prepared to accept a sensible monthly repayment plan that I can afford to maintain, with this in mind the kind of figure they would be prepared to accept would be £100.00 per month
If I wish to take advantage of this opportunity I should ring them at once,
failure to respond within the next 7 days may leave them with no option but to recommend that further recovery action may be considered,
Do not ignore this letter
I didn't ignore their last letter, I did read it, but as I was not in the least interested in their offer I did not reply

09/08 letter from Midascreditservices dated 03/08 WARNING OF POSSIBLE FURTHER ACTION, they say they are part of Moorcroft and they are aware that I have failed to reach a repayment agreement with moorcroft, clever bloke this as such they have been asked to review what steps may be taken in relation to further debt recovery action. the options include recommending one of the following:

Continue in our attempts to contact you by letter and phone please continue I have a truecall
Instruct a local rep to arrange to call at your home address please do I love visitors, the last double glazing salesman to call would like some company in the basement
Referal of your account for consideration by our Litigation Selection Team err the bloke that signed the letter says he's a litigation Manager??
20/08 letter from Morecrap-home collections devision-my account has been passed to them.this means that a local rep may call at my house. the double glazing bloke is getting excited
they have also been authorised to offer:
a substantial discount of UP TO 25% subject to personal circumstances no, dont think it will tempt me,
Greater discounts may be available and can vary, dependant on current circumstances discount of 90% may work
option of paying the AGREED settlement figure over a period of up to 3 months subject to T&C MY T&C

7.30 tonight (24/09) door bell rings , hubby answers. then walks back and asks me if I am free to talk to a bloke from Moorcroft. NO. he tells him to leave but bloke tries to give him an envelope, Hubby tells him politely to shove it, I go to the door and tell him to leave now, he says he does'nt want to distress me, told him leave then, and he went. pussy cat

28/09 letter from Morectap (27/09) DISCOUNT OFFER they are dissapointed to note that dispite numerous attempts to contact me, no satisfactory agreement has been reached reguarding the debt outstanding,
But to prevent the possability of further debt recovery action their client has informed them that they MAY be able to offer me a substantial discount from my outstanding balance.
If I can agree to an arrangement for payment of a reduced settlement figure over the next 3 months, they will not persue the remaining balance of the debt they dont state the % of discount,and they say THEY will not persue the balance, not that no one will persue
I should contact them immediately err I'm washing my hair
they look forward to hearing from me don't hold your breath

29/10, Letter fromHome Collection Services LTD (27/10)I could be free of this debt if i telephone them and agree to one of the following options:
1/ agree an affordable repayment plan, they will be happy to discuss my financial circumstances with me and agree a monthly plan that I can afford and maintain, If we can reach an agreement they ensure me that no further debt recovery action will be taken while the plan is maintained,

2, Substantial Discount, I am to telephone them for a partial settlement figure. the benifits are;

a discount to help reduce the debt by a substantial amount do they do 100%

Once the payment has been received and cleared neither they or their client will contact me again concerning this debt, they don't say that no one else will contact me about the rest of it

I am not to ignore this letter I have not ignored i have read it and put it on here ( i may deal with it at a later date)

10/01/2013 letter from M&S account passed to Credit Security Ltd
17/01. letter from CSL, they have been instructed by M&S. please call them No
31/01, letter from CSL, we have not received a reply
16/03, letter from CSL(14/03) Despite attempts to contact you the debt is still outstanding. Depending on your circumstances our client may be prepared to accept a reduced sum in settlement. Phone us now.
04/11 letter from M&Saccount sold to Arrow Global on 8/10/13, Arrow have appointed Wescot as agents [wetsloths not doing to good with my accounts are they?] envelope also contained NOA from Arrow now as this is enforceable but have managed to blagg it for 19 months may just have to see how far I can go.
2014 well never heard of wetcloths
09/01/14 letter from Arrow they have appointed Rockwell to manage my account and have passed all my details to them, I should contact Rockwell to arrange payment of this account as a matter of urgency
13/01 letter from rotwell [9/01] to tell me they are working for arrow and would like me to pay the debt in full to their office will wait for next letter
07/02 letter from rotwell[4/2] begging letter asking me to work with them or arrow will take the account back and send it elsewhere will file for now
06/03 letter from rockwell they are concerned that this matter remains unresolved if they have not spoken to me or received at least a token payment in the next 14 days this account May be passed to Fenton Cooper,
SPECIAL OFFER- SETTLE AT A REDUCED AMMOUNT, we have been authorised to offer you the opportunity to settle at a significantly reduced ammount.why don't they put that at the top and tell you what it is they should know we won't call
The remaining balance may continue to show as a default but our client will not chase payment of the remaining sum CALL NOW, if I was to do a F&F I would want any credit files to be marked as settled, and notice they don't mention it not being sold on and someone else chasing

filed x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

CAP 1 cc
started 1998
ballance £1280
default 2008
now with Link financial
prorata to date

CCA request sent
17/03 letter rec, they have sent for the agreement but it may take a while
31/03 letter from link, they have canceled my repayment plan as I have not informed them why i have stopped payment,"whilst they remain committed to recovering this debt by negotiation" they will if needed "persue me through my local county court if I do not contact their office" I am still waiting for my CCA request to be delt with
CCa from link,typed credit agreement no date,but with a V2# on bottom left of page, t&c from 1-23 with APR rates and unspecifide credit limits under section 10(Financial and Related Perticulars) and mentioning a date for base rate and a margin of 10,66% up to your aug 2000 statement???
no signitures, a page with my right to cancel/my rights/loss or misuse/ balance transfer conditions
and a set of current agreement T&C and I a copy of a agreement blanl agreement.

Niddy says
Missing Prescribed Terms letter sent
16/05 letter received(14/05) they have sent to barclays for a copy of the T&C a duplicate will be sent to me,they ask that I "Please" confirm my payment proposal for the account by return
31/05 letter dated 29/05, they enclose the full terms and conditions from Cap1, they advise me to contact them with my proposal to settle the outstanding balance.
they have sent the EXACT same T&C as the first lot, just all typed out no app or blank/signed agreement,
just a min they have put an extra peice of paper in with "Original Agreement" typed on it, my name and account number, and I know this cannot be the correct T&C as they only ask for £10 for late payments, it was more than that in 1998

just received a flyer o pply for a credit card to rebuild my credit rating, very tempting!

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal withthe account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my indiviual curcumstances and to find the best possible way forward for me and their client.

so llong as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incurr legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition theyhave been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assesment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me reguarding my account which remains unpaid, I have 10 days to pay in full or they will take immidiate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced ammount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced ammount, the remaining ammount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are nolonger instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligable for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisors who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passsed it to Wescot to collect

will wait for contact from Westcot

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
ballance £8,254.44
Defaulted 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopys of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed aplication [think this was a flyer] with no T+C visable, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my responce to their letter of the 5/9/13 [missing PT]
from my most recent correspondance he is aware that i feel the debt which is currently on my CC acount is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benifits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to persue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds

will wait for the next one then send SWID

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

I think I will send a copy of the original CCA request, along with a copy of the NO signiture required letter I sent Lombard, and let wescot argue the difference. OR should I send a NEW CCA request just to wescot?

I think I would go with the first option.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing
started 1999
ballance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent micofiche copy of agreement bur T&C are illegable and only details of this account.
have sent letter pointing out that I require all info held and an original legable copy of agreement

Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experienceing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not realy interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if nessesary

27/02 letter from AIC (24/02) thanking me for my recent letter and confirming that they will be conducting a through investigation into my concerns, Once it is compleated they will write to me again
they enclosed a copy of their internal complaints procedure, and end with a final line of.....
In the meantime,If you have any queries, please do not hesitate to contact me on the direct line number below??? my complaint was I wanted no telephone contact!!!!

28/02 letter from AIC they have upheld my complaint and have removed all phone numbers from their records. they have send me £50 for inconvenience caused

Result just need to get them to look at the Sold in dispute part of the letter now

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing
started 1999
ballance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent micofiche copy of agreement bur T&C are illegable and only details of this account.
have sent letter pointing out that I require all info held and an original legable copy of agreement

Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experienceing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not realy interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if nessesary

27/02 letter from AIC (24/02) thanking me for my recent letter and confirming that they will be conducting a through investigation into my concerns, Once it is compleated they will write to me again
they enclosed a copy of their internal complaints procedure, and end with a final line of.....
In the meantime,If you have any queries, please do not hesitate to contact me on the direct line number below??? my complaint was I wanted no telephone contact!!!!

maybe i should of said I don't have a phone, but then they may of replied with the same line anyway

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lombard cc
started 1999
ballance £2933.05
Defaulted 2008
prorata payments to date

12/04 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signature
no sig req letter sent
02/06 letter rec,containing original req and payment, no sig req letter, and a covering letter/template,cannot comply without signing request

ok this is getting stupid now.
06/07 letter received dated 29/06, they cannot deal with my request as there is no signiture, they have sent back to me the original req and the payment,wthe the 1st sig req letter, the 1st no sig req letter from me, 2nd sig req letter, 2nd you are not having a signature letter. a new we want a signiture letter and the Envelope I sent them all back in last time

27/07 letter from Mr Munn at Lombard, he is dissappointed that I have failed to comply with our agreement, and unless i make an immediate payment to my account and regular payments thereafter, he will have no alternative but to place my account in the hands of external DCAs without prior warning
14/08 letter from lombard dated 03/08 as I have failed to respond to the banks previous demands(er they refused to send my CCA without a signiture)
they have no alternative but to commence further proceedings for the recovery of the outstanding balance, failure to contact this office within 7 days, 'MAY' result in my account being transferred to external dca without further warning or delay I take it that as it took 11 days to get the letter they 'MAY' have done so already

letter sent to lombard along the lines of, stop playing silly buggers I made a CCA request it is not a DPA request so you dont need a signiture, sent back original CCA and £1.00 payment wanted a reply in 7 days

01/09/12 letter from Triton Credit Services dated 23/08. Lombard bank has placed your account with us for Immediate collection,
To avoid further action I am requested to forward a Cheque for the full amount by return, If I am unable to make this payment by return I am asked to telephone the office immediately by return of what? is Triton not part of RBS?
sold in dispute letter sent to triton
8/9/12 letter from Lombard dated 5/9 they return my CCA request AGAIN(stamped as received 28/9/12) as they require a signature,

21/09 letter from triton(17/09) Notice of legal proceedings, they remain very disappointed that I have failed to settle the debt or make satisfactory repayment proposals
they have now recommended to Lombard that solicitors should be instructed to commence court proceedings against me for the recovery of the debt
they appear to have ignored my "sold in dispute letter" and the fact that Lombard have refused to send my CCA 5 times,
I'm sure a court will be happy to listen to why they have refused, when a signature is not needed, and why they have never answered any questions asked in subsiquent letters to them.

26/09 letter from Triton dated 21/09, they refer to my recent correspondence sold in dispute letter
in view of the nature of my request they will be discussing my account with lombard, who will contact me in due course

The information provided on my financial statement has not been fully completed. errmm I haven't sent them one
In order for them to consider my financial statement can I provide my proposals for the above account ermm my proposal is that untill i receive a Valid CCA from lombard you can whistle
they trust this clarifies the situation for me and await my response It's as clear as mud

13/10 letter from Loonybard.(09/10) it is AGAIN the same template letter stating that they require my signature, but I can't sign it because:-

this time they have kept the original request and the fee, and have returned a copy of my 'Sold in Dispute letter' that was digitally signed. they just get more imposable to understand

02/11, letter from Green & Co Solicitors(29/10) they are instructed by their client, Try it on, who are instructed by, loony barn bank, in connection to my Liability.
despite a formal demand for repayment this account remains unpaid and they are likely to be instructed to commence court proceedings against me, without further notice
HOWEVER i have one final opportunity to make payment of the above amount within the next 7 days, Che ques should be made payable to Try-it-on and sent to the address given,
should their client not receive payment or acceptable payment proposals within 7 days, they are then likely to be to be instructed to commence court proceedings against me on their clients behalf
23/11 letter from Green & co account referred back to Tri-it -on
30/11 letter from Lombard, dated 26th. as they have been unable to contact me or agree a suitable repayment plan they have passed all my account details to Allied international Credit(uk) to act as a collection agent, they should be in contact with me in the next 14 days to discuss my repayment options in detail. now why would they think I am suddenly going to start paying Allied if they can't get anything out of me? and my payment options would be " you send my CCA, and we will discuss from there!
15/12/12 letter from AIC (10/12) they have been passed my details by Lombard to act as collecting agents for my account, whoopy doo

they have a flexible approach to to repaying my account, If i am in financial difficulty their staff are FULLY TRAINED to assist me with my current situation, and have a range of options to help How wonderful
they will be in contact with me in the next 7 days by letter/and or phone to discuss my payment options in detail, or i could phone them.
sold in dispute letter sent 18/12
21/01/13 letter from AIC we have not heard from you
26/01 in dispute letter sent pointing out no CCA has ever been received , even though I had pointed this fact out to Tryton, Green & Co, also will not discuss over phone written communication only.

06/02 letter from AIC dated JANUARY 21 2013 , we have been unable to come to an acceptable agreement
16/02 letter from AIC(11/02) Early settlement offer, as my account remains unpaid they are reviewing my file to consider if further action is warranted,
at this point there is an offer on my account that would allow me to settle the outstanding balance with a discounted value, this payment can be made in upto 4 monthly instalments.I am to contact them for for the details,
If I am unable to meet the agreed settlement I must not hesitate to call and discuss my account where they would be happy to arrange a repayment option based on my current circumstances
6/6 letter from Lombard (29/5) they have now passed my account details to Fredickson International ltd, to act as their new collection agent, any queries about my account should now be addressed to them. Freds will be in contact during the next 14 days BY LETTER to discuss my repayment options in detail. no CCA no discussion sorted
19/06 letter from freds (17/06)a polite letter from them saying they have been appointed by loonybarns to act as collection agents for my account, they have a wide range of options to suit a wide range of individual circumstances and believe that if I have not found a suitable repayment plan before they are sure they can help this time doubt it!!
1/07 letter from freds (28/'06) they have failed to receive a satisfactory response from me to their recent letter,could be coz I didn't send one ? to avoid any further debt recovery action I am to contact them within the next 7 days, i am rather busy this week!
08/07 yellow card dated 04/07 from freds confirming that I live at this address. and saying I haven't responded to recent correspondence gosh they are eager! I am to phone them NOW or my account may be passed to solicitors with aurtorisation to proceed with litigation proceedings against me at this address in their last letter they gave me 7 days to respond which I only received on the 1st so they only gave me 3 days and they included Sunday, they don't open Sundays
18/07/13 SWID letter sent
18/07/13 letter from #cry an barter# dated 15th freds have asked them to contact me, as they have failed to receive a satisfactory response from me regarding payment of my account.that's coz I havent sent one, they ramble on about contacting freds to set up an arrangement or make full payment don't think so! then the line further debt recovery action MAY be taken if i don't make contact.

24/07. Letter from Freds, They thank me for my letter requesting documentation. they cannot provide it, but I can request it from their client, and they give me the address of RBS Southend.In the meantime I am to confirm how I intend to discharge the outstanding balance. The letter i sent was a Sold while in dispute letter, which as you all know points out that a CCA was requested and not complied with.
29/07. letter sent to freds pointing out that CCA was requested last year and could they please read the letter i sent them on the 18th
10/08 letter from Freds they have referred the matter to their clients and will contact me when they are in receipt of instructions, they have placed the account on hold.
25/09 message left on truecall. message for Mrs NW please call fredric.......... just had a letter from tesco saying that account has been passed to freds so the call may have been for that


25/09 letter from freds, Dispite a recent letter from lying smarter solicitors you have failed to discharge your debt with our client, we are prepared to offer you one final opportunity to pay before recommending to our client that further debt recovery action be taken against you. at this late stage as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided you contact us on 08458888888 straight away


20/12 letter from wescot they are acting on behalf of ROYAL BANK OF SCOTLAND I am to read both sides of the letter follow the instructions and contact them urgently.to avoid them taking further action i should pay the debt in full on line or by post, or contact them by phone.If I dont it will result in them taking further action to recover the debt

02/01/2014 letter form wetcloths 28/12/13. Reminder Notice. their lastest enquires have now confirmed that I am still resedent at this address but they have not received a reply to our previous correspondence. Uless I contact them to agree repayment of 2,933.05 within the next 10 days, further debt recovery activity will be taken to recover the full outstanding balance
please do not ignore this letter as this could result in further action being taken to recover the debt
09/01 letter from wetcloths[07/01] Reduced settlement offer. as a final attempt to avoid further action their client has agreed that they can offer me a discount to settle my account, to take advantage I should contact them by 17/01/2014 or the offer will be withdrawn and further action will continue. I MUST phone them.
If I cannot take advantage of this offer they will still consider a REALISTIC repayment plan and I should contact them urgently to discuss my options. Unless a suitable repayment plan is inplace in 10 days of the date of this letter, further recovery action will be taken.
11/1 SWID letter sent
24/01 letter from wetcloths dated 21/01 account on hold
29/01. letter from wetcloths [27/01] they have contacted their client who has told them they have perviously written to me asking me to sign my CCA request [ they enclose a copy of a letter sent in October2012 ]
now this letter asked me to sign my s78 request but I couldn't because they had kept the request and fee and sent back a copy of the letter in which I stated that as i was not requesting documentation under the DPA then no siggy was needed
they continue allong the lines of this dispute is now resolved and could they have a payment or payment proposals by return

27/02 letter fron wescot (21/02) asking me to explain why I am not paying and to set up a repayment plan. no CCA simples
they set out the benifits of setting up such a plan
and end with the unforgetable line "this debt will not go away, now is the time to act" friends romans, countrymen leand me your shears.. not that type of acting???
Contact us on xxxxxxxxxxx and talk to one of our dispicable, sorry 'dedicated' operators to help you make a fresh start. what part of ALL COMMUNICATION TO BE IN WRITING do they not understand?

I think I will send a copy of the original CCA request, along with a copy of the NO signiture required letter I sent Lombard, and let wescot argue the difference. OR should I send a NEW CCA request just to wescot?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
ballance £8,254.44
Defaulted 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopys of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed aplication [think this was a flyer] with no T+C visable, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my responce to their letter of the 5/9/13 [missing PT]
from my most recent correspondance he is aware that i feel the debt which is currently on my CC acount is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benifits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to persue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds

have SWID to hand ready to go as soon as freds contact me. well maby on second contact

[MrsD]

Re: Nightwatch & Hubbys Diary of debt

possibly muppets of the month?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing
started 1999
ballance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent micofiche copy of agreement bur T&C are illegable and only details of this account.
have sent letter pointing out that I require all info held and an original legable copy of agreement

Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experienceing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not realy interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if nessesary

just phoned again muppets

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S charge cardstarted 1997
balance £1645.23
default 2007
prorata upto date OC not paid since april 2012

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA
29/05 no CCA received letter sent

18/06 CCA rec will send to Niddy
23/06 letter received from Moorcroft dated 21/06 ' they have been instucted by M N S to to collect my overdue debt' I must make full payment within 7 days' OR' call them IMMEDIATLEY to prevent them recommending further debt recovery action to their client. they and their client do not wish to do this, but if no agreement cannot be reached by 28/06/12 they may have no alternative
they point out that their client has registered a default against my credit file in relation to this account
25/06 Letter fromM n S dated 20/06 they have asked Moorcroft to take responsibility for my account allpayments and queries to them
30/06 another letter from MnS they have asked Moorcroft to ect ect ect....
07/07 letter from Moroncust(05/07) they have been asked by their clients to Increase my outstaning debt by. this will increase my total debt to £1645.23, and I should contact them by 12/07 to discuss an affordable repayment arrangement that will clear this ammount in the shortest possable time.
If I am in receipt of certain benifits they may be able to asist me in establishing payment of this account through the benifits system
20/07 letter from Morecrap.19/07 they feel that I may not be in a position to repay the debt in full,so, to stop them recomending to their client that further debt recovery action should be taken, they are prepared to accept a sensible monthly repayment plan that I can afford to maintain, with this in mind the kind of figure they would be prepared to accept would be £100.00 per month
If I wish to take advantage of this opportunity I should ring them at once,
failure to respond within the next 7 days may leave them with no option but to recommend that further recovery action may be considered,
Do not ignore this letter
I didn't ignore their last letter, I did read it, but as I was not in the least interested in their offer I did not reply

09/08 letter from Midascreditservices dated 03/08 WARNING OF POSSIBLE FURTHER ACTION, they say they are part of Moorcroft and they are aware that I have failed to reach a repayment agreement with moorcroft, clever bloke this as such they have been asked to review what steps may be taken in relation to further debt recovery action. the options include recommending one of the following:

Continue in our attempts to contact you by letter and phone please continue I have a truecall
Instruct a local rep to arrange to call at your home address please do I love visitors, the last double glazing salesman to call would like some company in the basement
Referal of your account for consideration by our Litigation Selection Team err the bloke that signed the letter says he's a litigation Manager??
20/08 letter from Morecrap-home collections devision-my account has been passed to them.this means that a local rep may call at my house. the double glazing bloke is getting excited
they have also been authorised to offer:
a substantial discount of UP TO 25% subject to personal circumstances no, dont think it will tempt me,
Greater discounts may be available and can vary, dependant on current circumstances discount of 90% may work
option of paying the AGREED settlement figure over a period of up to 3 months subject to T&C MY T&C

7.30 tonight (24/09) door bell rings , hubby answers. then walks back and asks me if I am free to talk to a bloke from Moorcroft. NO. he tells him to leave but bloke tries to give him an envelope, Hubby tells him politely to shove it, I go to the door and tell him to leave now, he says he does'nt want to distress me, told him leave then, and he went. pussy cat

28/09 letter from Morectap (27/09) DISCOUNT OFFER they are dissapointed to note that dispite numerous attempts to contact me, no satisfactory agreement has been reached reguarding the debt outstanding,
But to prevent the possability of further debt recovery action their client has informed them that they MAY be able to offer me a substantial discount from my outstanding balance.
If I can agree to an arrangement for payment of a reduced settlement figure over the next 3 months, they will not persue the remaining balance of the debt they dont state the % of discount,and they say THEY will not persue the balance, not that no one will persue
I should contact them immediately err I'm washing my hair
they look forward to hearing from me don't hold your breath

29/10, Letter fromHome Collection Services LTD (27/10)I could be free of this debt if i telephone them and agree to one of the following options:
1/ agree an affordable repayment plan, they will be happy to discuss my financial circumstances with me and agree a monthly plan that I can afford and maintain, If we can reach an agreement they ensure me that no further debt recovery action will be taken while the plan is maintained,

2, Substantial Discount, I am to telephone them for a partial settlement figure. the benifits are;

a discount to help reduce the debt by a substantial amount do they do 100%

Once the payment has been received and cleared neither they or their client will contact me again concerning this debt, they don't say that no one else will contact me about the rest of it

I am not to ignore this letter I have not ignored i have read it and put it on here ( i may deal with it at a later date)

10/01/2013 letter from M&S account passed to Credit Security Ltd
17/01. letter from CSL, they have been instructed by M&S. please call them No
31/01, letter from CSL, we have not received a reply
16/03, letter from CSL(14/03) Despite attempts to contact you the debt is still outstanding. Depending on your circumstances our client may be prepared to accept a reduced sum in settlement. Phone us now.
04/11 letter from M&Saccount sold to Arrow Global on 8/10/13, Arrow have appointed Wescot as agents [wetsloths not doing to good with my accounts are they?] envelope also contained NOA from Arrow now as this is enforceable but have managed to blagg it for 19 months may just have to see how far I can go.
2014 well never heard of wetcloths
09/01/14 letter from Arrow they have appointed Rockwell to manage my account and have passed all my details to them, I should contact Rockwell to arrange payment of this account as a matter of urgency
13/01 letter from rotwell [9/01] to tell me they are working for arrow and would like me to pay the debt in full to their office will wait for next letter
07/02 letter from rotwell[4/2] begging letter asking me to work with them or arrow will take the account back and send it elsewhere will file for now

will hold fire for now and se what comes next

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Sainsbury cc
started 1999
ballance £2277.74
defaulr 2008
now with Cabot
prorata payments to date

CCA sent
Account on hold
31/10 letter from cabot . Please find enclosed all of the relevant information you requested under s77-78 of the CCA1974 We can confirm that we have provided a reconstituted true copy of your credit agreement, which for the avoidance of doubt complies with the Consumer Credit cancellation Notices and copies of documents regulations 1983 and therefore complies with the obligations set out in section[77-78 of the CCA 1974
What Happens next; as we have now complied with your request for information We are able to enforce the credit agreement, which you signed and entered into.Enforcement means that we are able to obtain a County Court judgment against you. however we would prefer that you work with us to set up a repayment plan to settle your outstanding balance
Now me thinks they are being a bit hasty with the threat of CCJ as all they have sent is a copy of some un-dated terms with my name and address on them and a Your right to cancel in the middle between item 4.2 and 5 and a print out of payments made, no sight of the original application or the TC when taken out, so they are FIBBING when they say they can confirm its a recon TRUE copy of my credit agreement
06/11 letter to crapup T&C received

15/11 letter from crapbot, they point out that my balance is £2277.74 and thank me for reducing it to this,they say an ideal solution would be for me to be able to clear the outstanding balance so,,, they have had a look at the length of my repayment plan with them and taking into consideration my age [cheeky bleeders] they can see I will be paying this account back for over 15 years wrong no valid CCA no payments ever again,They have a solution for me that I may be interested in wrong again,They are proposing to accept a lower amount to clear the account, so if I could just find £1366.64, they will accept it as payment to clear the account in full.will just go and check the piggy bank,shake shake, no 2 buttons, 1956 penny, and some fluff This means that my monthly payments can then cease they have already, they would like payment in the next few weeks, A HA they don't have enough for the xmas do,whilst they realise that they are reducing my balance substantially, they do feel it is in MY best interest due to the length of time it will take to repay the full amount, they hope I can see their proposal as a solution to clearing this account and if I would like to take advantage of their offer I am to contact them by phone in the next 14 days.you've bought a lemon, na na nan na na
03/12 letter from crappy botom LIMITED OFFER 30% discount if i reply in 30 days or an attractive repayment plan to clear my debt in less than 5 years
2014
05/02 letter from crabbot exactly the same as the one in the post above (barcs] must of been going through the alpabet on new years eve, it seems it was my turn for the lets try again template,

will send a "read my letter of the 6th nov"

they realy should get someone employed that can read, it would save them a lot in wasted time and postage.Think of the enviroment, all the trees that would be saved, the amount of Ink refills that wouldn't go to land fill the list is endless...

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (1)

start date 1998
Balance £5552.10
Defaulted 2002
No payments made since Aug 2011 when they returned my payment as unrecognised account, no reply to letter sent.
Sold to Cabot Nov 2011 ignored letters CCA going off on monday
02/02/12 letter from cabot, they are requesting cca from barcs, and have returned my £1.00
220/02 cabot are still waiting to hear from barcs
23/02 copy of statements requested by SAR received 2006/7 i never had these as barcs stoped sending me statements in 2005 one dated sept 2006 asked for a payment of £6,471.10 immediatly followed by a further £6,459.23 to reach them by Oct 2006
27/02 letter from cabot, barcs are experiencing a delay in obtaining information from their archive.
09/03 Cabot are unable to produce the requested information,
my account has been placed on hold untill they can.

2013
19/04 letter from cabot (12/04) Cabot has not been able to provide you with the requested informationwithin the relevant time period yep i think 12 months+ is out of time
we shal continue to request the information to assist you with your request please don't rush on my behalf, I can wait
We would like to inform you that your account will remain on hold until we can comply with your request told you, no rush..
IMPORTANT Please note, you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set up a repayment arrangement or continue with you existing payment plan I will continue with my existing plan £0.00 a month for ever, seems good to me (filed)
31/10 letter from Crapbot please find enclosed information requested under CCA 1974 as the letter from them about my Sainsbury account in the above post they confirm it is a [recon] true copy of my account they go on to say they have complied with my request and they are able to Enforce the credit agreement that I signed and entered into. they can go for a CCJ, but they would prefer me to enter into a repayment plan
Now again they have not thought this letter throughas enclosed with the original TCthere is a page with my name and address typed on it and a large your right to cancel box in the middle of the page, ALSO a letter from Barclays dated 05/12/2012 which near the bottom of the page states quite clearly. We are currently unable to provide a copy of the terms of your credit agreement as varied in accordance with section 82 [1] of the act,We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues.they continue with what they are allowed to do which is short of enforcement
06/11 letter to crapbot letter confirming No CCA, should of asked why it took nearly 12 months to send Barclays letter to me

03/12 letter from crappybottom LIMITED OFFER if I respond within 30 days from the date of this letter 27/11/13 they are able to offer me a discount of up to 30% to settle my account. Alternatively, they may be able to offer me an attractive repayment plan which will enable me to repay the outstanding balance within 5 years

Oh wow, this company is so thoughtfull, 30% discount or 5 years at £1,000+ what to do, what to dooo !!!!!! WAIT JUST ONE SECOND!!! barclays cannot enforce so how can crapbot have decided to ignore and see what happens next


05/02 letter from Crapbot [31/01] You MUST contact us , According to their records I currently owe £5k even though they have made repeated attemps to obtain my commitment to pay,,repeated attemps?? that must be the one letter and some calls that went to our truecall and got zapped
they ask me to contact one of their 'Customer Consultants, who will help me set up a repayment plan If I cannot repay in full

will send a READ my last letter of the 6th november 2013 which had a copy of Barcs letter stating they were unable to enforce