Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

you had a chq book with your name printed on it, you wrote in the amount, date and signed, then paid it into a bank or BS, you could also phone them and ask for the funds to be transferred to your bank or BS no card

a minimum payment of 3% a month or £5 if greater to be paid back each month

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

So it was regulated. Great.

** unregulated = no min payment.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

yep! + M&S didn't offer banking in 1997 so how could it be n overdraft if I didn't open an account?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

mbna cc hubbys
started 1997
balance £1192.2
default 2002
with Link financial

28/02 letter asking for proposals for increase in payments, i&e, and demanding a phone no. for them to contactus on
still waiting for cca

5/9/12 letter received from link, same as in above post
27/10/12 letter from link,they have given me final notice that any agreement i had with link to repay this debt has been canceled for non payment,
without further reference to me they will immediately commence recovery of the full amount by one of the following options I will be held liable for any and all of the cost associated with collection
1, my data will be passed to their internal Asset investigation department if they find any i will be shocked
2, my account will be approved for recovery by way of a judgement/decree secured in my local court. my local court was shutdown in August
3, this debt will be transferred to a Debt collection agent who may call at my home,they were doing this last month
they state at the bottom of the letter;

It is unfortunate that we were not able to resolve this amicably with you. as always our team of Account officers are available to help me on o844 should i wish to discuss this matter errrm no!!

29/10 no CCA received letter sent

10/11/2012 Have today received a CCA for this account from link
it contains
1, an unsigned cover letter saying they have complied with my CCA request
2, a piece of paper entitled Reconsitution Header with a large black cross next to a box containing the words Credit Agreement Not Retrieved
3, a blank Priority application form with hubbys name and address typed in and a box asking if we want a visa or Master card
terms and conditions dated at bottom 04/97
and I am assuming recent T&C as they have the default fee as £12 but no date
the thing i have noticed is that the account number on the print out is nothing like the card number this is for
no mention of if this is a visa or mastercard its a master card

Niddy says missing pt letter to be sent monday

20/11/2015
letter from Link ,they have previously written to us about this account, which has been sold to LINK FL, they would like to organise a time to talk to us about making an affordable arrangement to clear this balance,etc, etc, etc.

think I'll pass, #filed

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

yep! + M&S didn't offer banking in 1997 so how could it be n overdraft if I didn't open an account?

It can't be an overdraft as it wasn't one

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympathetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th Aug account SOLD to Arrow Global ltd, on 25th July who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recommend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letter with the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter


24/04 letter from wescot (22/04) further to my letter of the 16/03. they can confirm that they replied to my letter on the 24th Jan 2015. well I never received it so wonder which of my neighbors has seen it?
Having contacted our client they have advised that you wrote to them in June 2012 to say they had not prescribed the terms or true copy of the agreement. no I have not made a mistake this is word for word the contents of the letter wescot have sent , I wrote to M&S in 2012 arrow didn't buy the account till 2013, so is arrow their client or M&S,
Arrow sent you a letter back to advise that they have provided all that was legally require ( another mistake) and the account is not in dispute and the balance is correct and due, Arrow have never sent any such letter

19/11 letter from arrow dated 17/11,Notification of account transfer to new agency, they have passed it to Shoosmiths, should we send another CCA request to Arrow, or wait for the LBA from Shoosmiths
25/11 letter from Shoosmiths (23/11) we are a firm of solicitors and have been instructed by Arrow global limited to contact you to agree how the sum outstanding from you will be repaid ( never if poss)
Our client has informed us that, in return for a lump sum payment in the short term, they may be prepared to accept less than the sum set out above in settlement of the sum outstanding from you. but they will update the credit file to only show a partial settlement it has now dropped off his credit file OR their client is prepared to consider accepting regular instalment payments, but, we would need to receive details of your income and expenditure before agreeing any regular instalment payments with you they can whistle Dixie
will send sold in dispute on Friday

update, will send SWID on Friday

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclays masterloan
start date 2002
ballance £6395
Defaulted 2004
Defaulted 2008

think the last payment could of been 2009. it was May 2009 I have found a statement of account from 2010,09th may 09 balance 6322.45 . 2010 balance 6322.45
passed to Debt managers ltd, in 2010, who threatened hell and high water if i didn't pay up.asked for CCA , DM wrote and said they were unable to obtain a copy of the agrement, passed back to barcs and have heard nothing since, not even had my £1 back!
2015
Ok had an email alert about a change in my credit file in Aug, it shows this loan as up to date??
emailed Equifax saying I had not recently taken a loan out with barclaycard so would they please remove it. I would not be contacting Barclays as I had no account information .
23/09 equifax say If I think this is fraud I am to contact Barclays fraud department,I am also to note the dispute notice they put on the file will be removed in 24 hours. I checked the file there isn't one on it!
I have emailed back now pointing out that if they check what they are reporting as accurate is a loan taken out in 2000, over 60 months, but is still upto date 15 years later cannot be correct,
Also they may like to ask Barclays how an account defaulted 16 years ago can now be up to date? and showing on a credit file,would they also ask them why when I SAR'd them some years back they sent no details of any loan account but stated they had sent all the information they held in my name.
have pointed out as the Data reporters they have a due diligence to check that what they are placing on my file is accurate, so would they tell me what checks they have made to see if the information they have is correct as I now need to look at taking legal advice over the incorrect date being recorded

it has now been removed by Barclaycard and i have a letter of apology along with £100

they said they had no idea how the information got onto my credit file, they have not heard of it happening to anyone else, suggested they should search the internet, it's happened to more than me,

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympathetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th Aug account SOLD to Arrow Global ltd, on 25th July who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recommend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letter with the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter


24/04 letter from wescot (22/04) further to my letter of the 16/03. they can confirm that they replied to my letter on the 24th Jan 2015. well I never received it so wonder which of my neighbors has seen it?
Having contacted our client they have advised that you wrote to them in June 2012 to say they had not prescribed the terms or true copy of the agreement. no I have not made a mistake this is word for word the contents of the letter wescot have sent , I wrote to M&S in 2012 arrow didn't buy the account till 2013, so is arrow their client or M&S,
Arrow sent you a letter back to advise that they have provided all that was legally require ( another mistake) and the account is not in dispute and the balance is correct and due, Arrow have never sent any such letter

19/11 letter from arrow dated 17/11,Notification of account transfer to new agency, they have passed it to Shoosmiths, should we send another CCA request to Arrow, or wait for the LBA from Shoosmiths
25/11 letter from Shoosmiths (23/11) we are a firm of solicitors and have been instructed by Arrow global limited to contact you to agree how the sum outstanding from you will be repaid ( never if poss)
Our client has informed us that, in return for a lump sum payment in the short term, they may be prepared to accept less than the sum set out above in settlement of the sum outstanding from you. but they will update the credit file to only show a partial settlement it has now dropped off his credit file OR their client is prepared to consider accepting regular instalment payments, but, we would need to receive details of your income and expenditure before agreeing any regular instalment payments with you they can whistle Dixie
will send sold in dispute on Friday

Have received another letter from Shoosmiths dated 30/11exactly the same as the 1st one, just asking that they are contacted to arrange repayment, will ignore as it will have crossed with the SWID letter that has been sent to them

I find it strange that I received a LBA for my reserve account, yet OH gets 2 rather polite letters offering discount and easy repayments

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

mbna cc hubbys
started 1997
balance £1192.2
default 2002
with Link financial

28/02 letter asking for proposals for increase in payments, i&e, and demanding a phone no. for them to contactus on
still waiting for cca

5/9/12 letter received from link, same as in above post
27/10/12 letter from link,they have given me final notice that any agreement i had with link to repay this debt has been canceled for non payment,
without further reference to me they will immediately commence recovery of the full amount by one of the following options I will be held liable for any and all of the cost associated with collection
1, my data will be passed to their internal Asset investigation department if they find any i will be shocked
2, my account will be approved for recovery by way of a judgement/decree secured in my local court. my local court was shutdown in August
3, this debt will be transferred to a Debt collection agent who may call at my home,they were doing this last month
they state at the bottom of the letter;

It is unfortunate that we were not able to resolve this amicably with you. as always our team of Account officers are available to help me on o844 should i wish to discuss this matter errrm no!!

29/10 no CCA received letter sent

10/11/2012 Have today received a CCA for this account from link
it contains
1, an unsigned cover letter saying they have complied with my CCA request
2, a piece of paper entitled Reconsitution Header with a large black cross next to a box containing the words Credit Agreement Not Retrieved
3, a blank Priority application form with hubbys name and address typed in and a box asking if we want a visa or Master card
terms and conditions dated at bottom 04/97
and I am assuming recent T&C as they have the default fee as £12 but no date
the thing i have noticed is that the account number on the print out is nothing like the card number this is for
no mention of if this is a visa or mastercard its a master card

Niddy says missing pt letter to be sent monday

20/11/2015
letter from Link ,they have previously written to us about this account, which has been sold to LINK FL, they would like to organise a time to talk to us about making an affordable arrangement to clear this balance,etc, etc, etc.
05/12 letter from link, IGNORING THIS NOTICE WILL NOT MAKE THIS DEBT GO AWAY,they would like us to contact them to discuss what options are available to us for repaying the outstanding amount owed to Link.

will file for now x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympathetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th Aug account SOLD to Arrow Global ltd, on 25th July who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recommend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letter with the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter


24/04 letter from wescot (22/04) further to my letter of the 16/03. they can confirm that they replied to my letter on the 24th Jan 2015. well I never received it so wonder which of my neighbors has seen it?
Having contacted our client they have advised that you wrote to them in June 2012 to say they had not prescribed the terms or true copy of the agreement. no I have not made a mistake this is word for word the contents of the letter wescot have sent , I wrote to M&S in 2012 arrow didn't buy the account till 2013, so is arrow their client or M&S,
Arrow sent you a letter back to advise that they have provided all that was legally require ( another mistake) and the account is not in dispute and the balance is correct and due, Arrow have never sent any such letter

19/11 letter from arrow dated 17/11,Notification of account transfer to new agency, they have passed it to Shoosmiths, should we send another CCA request to Arrow, or wait for the LBA from Shoosmiths
25/11 letter from Shoosmiths (23/11) we are a firm of solicitors and have been instructed by Arrow global limited to contact you to agree how the sum outstanding from you will be repaid ( never if poss)
Our client has informed us that, in return for a lump sum payment in the short term, they may be prepared to accept less than the sum set out above in settlement of the sum outstanding from you. but they will update the credit file to only show a partial settlement it has now dropped off his credit file OR their client is prepared to consider accepting regular instalment payments, but, we would need to receive details of your income and expenditure before agreeing any regular instalment payments with you they can whistle Dixie
will send sold in dispute on Friday

Have received another letter from Shoosmiths dated 30/11exactly the same as the 1st one, just asking that they are contacted to arrange repayment, will ignore as it will have crossed with the SWID letter that has been sent to them

11/12 letter dated 08/12, they refer to our letter dated xx/11, they have noted the contents and have requested the following from AG
Statement of account
Agreement
notice of assignment
Default notice
The account is placed on hold until received
but we are to note that AG does not agree to the rest of our comments, including time stipulations we have set out, therefore on receipt of the documents they will contact us again.

the only dates were the 12 working days in the SWID letter, so they can make there own time scales up then ?
will wait for the reply x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

mbna cc hubbys
started 1997
balance £1192.2
default 2002
with Link financial

28/02 letter asking for proposals for increase in payments, i&e, and demanding a phone no. for them to contactus on
still waiting for cca

5/9/12 letter received from link, same as in above post
27/10/12 letter from link,they have given me final notice that any agreement i had with link to repay this debt has been canceled for non payment,
without further reference to me they will immediately commence recovery of the full amount by one of the following options I will be held liable for any and all of the cost associated with collection
1, my data will be passed to their internal Asset investigation department if they find any i will be shocked
2, my account will be approved for recovery by way of a judgement/decree secured in my local court. my local court was shutdown in August
3, this debt will be transferred to a Debt collection agent who may call at my home,they were doing this last month
they state at the bottom of the letter;

It is unfortunate that we were not able to resolve this amicably with you. as always our team of Account officers are available to help me on o844 should i wish to discuss this matter errrm no!!

29/10 no CCA received letter sent

10/11/2012 Have today received a CCA for this account from link
it contains
1, an unsigned cover letter saying they have complied with my CCA request
2, a piece of paper entitled Reconsitution Header with a large black cross next to a box containing the words Credit Agreement Not Retrieved
3, a blank Priority application form with hubbys name and address typed in and a box asking if we want a visa or Master card
terms and conditions dated at bottom 04/97
and I am assuming recent T&C as they have the default fee as £12 but no date
the thing i have noticed is that the account number on the print out is nothing like the card number this is for
no mention of if this is a visa or mastercard its a master card

Niddy says missing pt letter to be sent monday

20/11/2015
letter from Link ,they have previously written to us about this account, which has been sold to LINK FL, they would like to organise a time to talk to us about making an affordable arrangement to clear this balance,etc, etc, etc.
05/12 letter from link, IGNORING THIS NOTICE WILL NOT MAKE THIS DEBT GO AWAY,they would like us to contact them to discuss what options are available to us for repaying the outstanding amount owed to Link.

24/12/14 undated letter from link asking for us to, "Please read this letter carefully"
they state that the debt was bought by them in 2002, but to date they have received no conclusion of how it will be repaid ,It is asking us to pay up, they are giving us the opportunity to pay by monthly DD £11.93pm.they enclose dd mandate. if we can't afford this amount we can contact them urgently by telephone.

better not phone, I've been at the sherry, well it is Christmas

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing /Robersway/mkpd
started 1999
balance £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 microfiche copy of agreement bur T&C are illegible and only details of this account.
have sent letter pointing out that I require all info held and an original legible copy of agreement

2013 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
08/08/2013 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 experiencing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not really 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 necessary

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 completed 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

16/05 letter from Robson way, well it is typed onto a piece of paper with Barclaycard photocopied at the top, Your account has been passed to Robson way Ltd to manage the collection of the balance outstanding,
You should contact Robbers Way as a matter of urgency, they will discuss with you proposals for repayment of the balance outstanding on your account. at the moment I don't have any proposal to repay this OUTSTANDING account so won't bother to contact them
23/06 letter from RW they are authorised to negotiate repayment of the balance outstanding. please contact us to agree an affordable and sustainable repayment plan based upon your personal circumstances.

dear RW, my circumstances are as follows.
I am not allowed my own opinion on football, cannot dress myself with out my face coming into contact with the floor,door, bed, wall, as I dance around the bedroom with both legs down one trouser leg, often find I have my tshirt on inside out and back to front, normally after a few sherberts,
I am treated like a slave by my family, cooking, washing, cleaning, for up to half an hour a day at least,the rest of the day I am forced to go shopping, have a meal out, visit friends and relatives, natter with the people next door.
My life is appealing, sorry appalling, and now you come wading in with your bully boy tactics of being NICE, well thats it you've gone to far ,I am going to have to revert back to self medication, as the Dr has struck me off his list for free booze,
because of you Bargin booze are going to have a bumper year and I will be back on their staff party list for Christmas,
I hope your happy with yourselves
cheers
p.s. this account is in dispute as no CCA has been received, stop phoning as I wont answer, and my doorstep has been very naughty so is not allowed visitors for the foreseeable future. Ta Ta
SWID letter sent to RW

26/09, letter on Barclaycard headed paper with return address of Bellshill on envelope dated 19/09 they write to inform me that the account was assigned and transferred to MKPD LLP on the 10th Sept so they are now the effective owners,BUT they have appointed MK rapid recoveries as their servicing agents, so, all contact is to be made to MK RR lower down it says I should make payments to MKPD LLP
in the same envelope is a letter on MKPD headed paper telling me that they are the legal owner of the debt due,and how important it is I contact them( upon receipt of the letter) to discuss my options
I must ensure that all future correspondence and payments are sent to MKPD LLP at the address in Milton Keynes, so whats happened to MK RR? which I take it are Milton Keynes Rabid Recovery's

03/10.letter from MKRR dated 30th Sept, further to their recent communication regarding transfer of ownership they have not received my offer of payment.they want to help me and are in a position to help me clear the outstanding balance,BUT... they can only do this after speaking to me. they beg me to call them and discuss ways we can help.they only posted this one 4 days after the first so don't give much time to get back to them, do they?
until they reach an agreement to clear this balance they will continue to contact me by phone or letter so they advise that I contact them to resolve the matter, I take that as a threat of harassment!
06/10 SWID letter to MKRR.
22/10 letter from MKPD (15/10) account on hold while they liaise with the original creditor, they will get back to me. don't rush lad's
30/10 letter from MKPD (27/10) Final Response to my concerns.
They have raised my concerns with Barclays and they have confirmed that they do not have a record of an unresolved dispute on file as this was complied with when? I have only had a minute copy of some T&C that they say would of been in force when the account was opened, CSL never sent me a reply to my CCA request last year but they did cash the payment for it
they continue with what should be provided under S78 CCA ,A copy of the executed agreement (never received) any document referred to in it (er how would you know what was referred to in it, if you have never received it) and a statement of account which they say is; I owe £3,681.29 no breakdown of any payments made.

Due to the current status of my account the full outstanding balance is now due. We are currently unable to provide a copy of the credit agreement. We accept that we are therefore prevented from enforcing the agreement with you while this state of affairs continues.
Notwithstanding that we cannot currently enforce the agreement; our rights continue to exist under the agreement. you should therefore continue to pay the debt that has accrued on your account. We can and will continue to take any action short of enforcement reporting to CRA's and requesting payment from you,they refer to McGuffick v RBS (2009)
They say this completes their obligation under S 78 of the act and they request that I phone them to discuss my account
On this occasion they have been unable to uphold my claim but I do have the right to refer my concern to the FOS within 6 months

20/11 letter form Mkrr(13/11) we have still not received your offer of payment,coz i've not made one we can offer you an instalment arrangement to clear the outstanding balance, £0 a month is fine by me, we can only do this after speaking to you, won't get done then, Please call us to discuss ways we can help, stop asking for money and you won't be disappointed
if you don't contact us we may need to take further action to resolve this, have you read the last letter you sent me?

well since the last letter mkrr have tried to contact me by phone 6 times 3 times in one day on the 28/11 twice yesterday, not checked today's log yet,
now I know that they can make reasonable requests for payment as it is unenforceable till they find any paper work, but I stated quite clearly on the SWID letter i sent to them that I will not discuss any alleged accounts over the phone, all communication is to be in writing, any calls received will be logged by date and time and may be ,indeed in the past have been , used to make a formal complaint of harassment. I think 3 times in one day is harassment,
03/12/14 letter from MKRR dated 28/11/14 ,Please call us to avoid further action, further to our letter offering to help you clear this balance we have not received your offer of payment.not sent one Without your cooperation we cannot offer you any help to reduce this balance and may need to take further action which could involve litigation via the courts to recover this amount. This is something we wish to avoid so please contact us immediately so we can come to an agreement, I have a letter from MKPD that states that they cannot enforce the account as they cannot produce a copy of the agreement, mkrr have phoned 7 times in 3the last days
MKRR: must be a lonely office junior in charge as on checking our call log on the True call, they tried to call me 4 times on the 23rd and at 08,20 am on 24th (Christmas eve) maybe they were hoping to catch me before I sobered up, to get a Christmas tip off me.

JAN 2015
MKRR have sent 2 letters A FINAL WARNING and a we are sending it to KEYNES
MKDP have sent another letter saying they can't enforce as they cannot provide a copy of the agreement
Have started a separate thread here http://forums.all-about-debt.co.uk/showthread.php?16364-Barclaycard-MKRR-threatening-legal-action&p=467392#post467392.
Jan 17th, Notice of intended legal action from Keynes
Jan 19th Threat of Lit letter sent, added a few lines pointing out that;
They were assuming I had not been in contact with MKDP/MKRR, but that I had proof they had received my letters as I had the signature for them.
The last letter from MKRR had given me 7 days to reply but their letter was dated just 4 days later, so I was led to assume that they had no intention on giving me time to reply,
They stated that MKDP LLP had told them to start legal proceedings, yet if they had been in contact with MKDP, they would know that MKDP had themselves written to me twice saying the account was unenforceable as they could not produce a CCA
I enclosed copy of MKDP letter and asked them to confirm with their client that this was in fact the case
28th jan received this



25/09 statement of account from MKDP 0 payments made.

26/09 letter from MKRR following our recent communication regarding transfer of ownership of your balance, we have not received your offer of payments,
WE want to help and are in a position to offer an instalment arrangement to clear the outstanding balance, but we can only do this after speaking with you. Please call us to discus ways we can help.

2016
07/01, letter from Robinson Way .this account remains unpaid and we want to find a way to help you clear this debt. our client has advised that they will accept a 50% settlement to clear the balance in one payment. if you are unable to make a one off payment we may be able to agree monthly installments,
if neither of these option's is possible for you tell us what you can afford and we will work with you to find a resolution, go online to chat with us

hello RW, NW here, I am just in the mood for a nice chat
can i take your ref no?
ohh you saucy thing!
no i only want your ref no,
you could buy a girl a drink before going for the main course.
I need your number to look up your file.
Now that is down right disgusting you know nothing about me, I come online for a nice chat, as your letter asked me to and you go asking for my number to look me up? you should be ashamed of yourself, i'm off and you need a cold shower young man.

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

You do make me laugh NW.

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

xx

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

another letter from RW re Barclaycard, they seem to think that I may have made a large payment to someone and as it wasn't them they would like me to contact them.
don't think so x