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Originally posted by nightwatch
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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 reply to threat of lit,
They have reviewed the account and can confirm that "due to a clerical error the account was not updated to show as UNenforceable and therefore the letters were issued" I am to accept their sincere appologies for this error,
again they state they cannot supply a full copy of the credit agreement or enfoce the agreement, But I should still pay.
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.
07/10 letter from HPH2 Notice of assignment, MKDP has assigned the account to HPH2 Ltd, effective from 21/09, They have appointed Robinsonway to organise payment on this account,
letter from RW enclosed in same envelope.
21/10 letter from RW . no mimimum payment required good coz i'm not sending one
07/11letter from RW what are you able to pay? + I&E form, as if!!
30/12 letter RW 50% reduction to help clear the balance, holding out for 100%
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
20/02 letter from RW recent activity on your credit file suggests you may have made a significant payment to one of your financial accounts , in view of this we would encourage you to contact us to agree an affordable repayment plan, let me think about it, errrm NO
14/09, letter from RW (08/09/16) they have tried to contact me but haven't had a reply, if i don't contact them they can't help me set up a repayment plan,
they give me three options they may take, Solicitor, Register a default, Phone me. full contents in other thread (link above not working)ignored
22/09 affordable payment plan, gives 3 options i went for number 4 , no payment, no reply
14/10 letter from RW, No minimum payment, pay what you can afford, £0.00 sounds good to me
12/11 letter fron RW, ARE YOU WORRIED ABOUT CONTACTING US?ERRR NO. they continue on about if I call and talk to them in confidence about my circumstances there are a number of options that they could offer to help clear the blance on the account, 1 payment plan that I can afford. 2, Agree a reduction in the ammount owed, 100% would suit me.. 3, if I am in financial difficulty they can put me in touch with oganisations that can offer me free advice and support. too late already found one, 4,any queries contact us and we can help find the right solution for you, I have a solution, agree it's UE and leave me alone
08/12 reduced balance offer pay only33%, not good enough
12/12, we have recently received contact from you regarding another account we hold on our records Tesco and have noticed that we are also dealing with this account which doesn't appear to have an active repayment plan in place,nothing wrong with your eye sight please complete the enclosed I&E form and return it to us with your repayment proposal, if there isn't a repayment plan with the other account what makes you think I am going to set one up on this ?
21/06/17, letter from RW, dated 15th, they have been trying to contact me, no you haven't, they want to help me find a solution to clear this debt, that's nice. If i don't contact them they may :-
refer account to their clients solicitor and ask for the issuence of a CCC, which may result in a CCj being entered, that sounds painfull.plus NO CCA
send a report to CCA's, if less than 6 years from default date, missed that boat by a mile
try to contact you using any telphone numbrs w have on file, or, obtain from 3rd parties, try it and see what happens to the poor sod that i speak to
05/07/17 letter from RW. they tell me again how outstanding my account is, they also give me 3 options of how I could clear this account alas option 4 is not there; pay 0.00 and they will leave me alone. filed
21/07/2017 letter from RW, did you know that more than 300,000of their current customers are paying off their debt on what they can afford'
good for them, if thats the case you don't need my money then, do you !
16/08/17. letter dated 10th/08. they are offering a reduction of 69% and would like me to get in touch should I tell them there is no CCA and I have a letter telling me so? maybe next month
17/10 repeat letter of 16/08, same reply
2018
19/03 they need me to take action, will have to wait till i'm back
28/04 letter from RW telling me "it's important to arrange a repayment plan" I should get intouch today to agree my plan,If I don't contact them I risk further collection activity commencing on this account (alledged) and the debt will not reduce
21/05/18 letter from RW dated 16/05/18, PAY JUST 75% of YOUR OUTSTANDING BALANCE, to clear this account, why do they put it in LARGE letters I can't read it any louder?
this offer is available for only the next 30 days, so please contact us to comfirm beforemaking the payment. so we can ask for more and also see about a payment on any other accounts we might have of yours.
I could also agree to an affordable payment plan based on my curcumstances Call us, or, text call me to xxxxxxxx and we will call you back.don't think so mate
Don't worry if none of the options is the right one for you, we can work with you to find the right one for you. Why not open an online account, because you don't do cash back
21/09 ( dated 17/09/18)They need me to take action Again!! they want me to get intouch and tell them about my situation, They can then agree an affordable repayment plan with me,
the last line reads:_ wewd rather agree an affordable repayment plan with so, office junior?
24/09, letter dated 18/09/18 from Hoist Finance UK Holkdings 1 Ltd my account has been assigned to them from MKDP llP, which is interesting as RW letter of the 17th still says HPH2 have it, It was assigned to HPH2 from MKPD LLP a few years ago?
the assignment has taken place as part of a restructure of Hoist Finance group, so my account has been transferd from one part of the company to another.
so it is now in the hands of HFUKH1L,
But I can still carry on paying RW, or if not paying them, contact them to set up a repayment plan, their address is Quays Reach salford, which is also HFUKH1L address.
so in a nutshell MKDP assigned my account to HPH2, but somehow have now assigned it to the same company with a slightly different name who have said that RW will still service the account, but fail to mention that RW are part of the same company.
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 reply to threat of lit,
They have reviewed the account and can confirm that "due to a clerical error the account was not updated to show as UNenforceable and therefore the letters were issued" I am to accept their sincere appologies for this error,
again they state they cannot supply a full copy of the credit agreement or enfoce the agreement, But I should still pay.
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.
07/10 letter from HPH2 Notice of assignment, MKDP has assigned the account to HPH2 Ltd, effective from 21/09, They have appointed Robinsonway to organise payment on this account,
letter from RW enclosed in same envelope.
21/10 letter from RW . no mimimum payment required good coz i'm not sending one
07/11letter from RW what are you able to pay? + I&E form, as if!!
30/12 letter RW 50% reduction to help clear the balance, holding out for 100%
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
20/02 letter from RW recent activity on your credit file suggests you may have made a significant payment to one of your financial accounts , in view of this we would encourage you to contact us to agree an affordable repayment plan, let me think about it, errrm NO
14/09, letter from RW (08/09/16) they have tried to contact me but haven't had a reply, if i don't contact them they can't help me set up a repayment plan,
they give me three options they may take, Solicitor, Register a default, Phone me. full contents in other thread (link above not working)ignored
22/09 affordable payment plan, gives 3 options i went for number 4 , no payment, no reply
14/10 letter from RW, No minimum payment, pay what you can afford, £0.00 sounds good to me
12/11 letter fron RW, ARE YOU WORRIED ABOUT CONTACTING US?ERRR NO. they continue on about if I call and talk to them in confidence about my circumstances there are a number of options that they could offer to help clear the blance on the account, 1 payment plan that I can afford. 2, Agree a reduction in the ammount owed, 100% would suit me.. 3, if I am in financial difficulty they can put me in touch with oganisations that can offer me free advice and support. too late already found one, 4,any queries contact us and we can help find the right solution for you, I have a solution, agree it's UE and leave me alone
08/12 reduced balance offer pay only33%, not good enough
12/12, we have recently received contact from you regarding another account we hold on our records Tesco and have noticed that we are also dealing with this account which doesn't appear to have an active repayment plan in place,nothing wrong with your eye sight please complete the enclosed I&E form and return it to us with your repayment proposal, if there isn't a repayment plan with the other account what makes you think I am going to set one up on this ?
21/06/17, letter from RW, dated 15th, they have been trying to contact me, no you haven't, they want to help me find a solution to clear this debt, that's nice. If i don't contact them they may :-
refer account to their clients solicitor and ask for the issuence of a CCC, which may result in a CCj being entered, that sounds painfull.plus NO CCA
send a report to CCA's, if less than 6 years from default date, missed that boat by a mile
try to contact you using any telphone numbrs w have on file, or, obtain from 3rd parties, try it and see what happens to the poor sod that i speak to
05/07/17 letter from RW. they tell me again how outstanding my account is, they also give me 3 options of how I could clear this account alas option 4 is not there; pay 0.00 and they will leave me alone. filed
21/07/2017 letter from RW, did you know that more than 300,000of their current customers are paying off their debt on what they can afford'
good for them, if thats the case you don't need my money then, do you !
16/08/17. letter dated 10th/08. they are offering a reduction of 69% and would like me to get in touch should I tell them there is no CCA and I have a letter telling me so? maybe next month
17/10 repeat letter of 16/08, same reply
2018
19/03 they need me to take action, will have to wait till i'm back
28/04 letter from RW telling me "it's important to arrange a repayment plan" I should get intouch today to agree my plan,If I don't contact them I risk further collection activity commencing on this account (alledged) and the debt will not reduce
21/05/18 letter from RW dated 16/05/18, PAY JUST 75% of YOUR OUTSTANDING BALANCE, to clear this account, why do they put it in LARGE letters I can't read it any louder?
this offer is available for only the next 30 days, so please contact us to comfirm beforemaking the payment. so we can ask for more and also see about a payment on any other accounts we might have of yours.
I could also agree to an affordable payment plan based on my curcumstances Call us, or, text call me to xxxxxxxx and we will call you back.don't think so mate
Don't worry if none of the options is the right one for you, we can work with you to find the right one for you. Why not open an online account, because you don't do cash back
21/09 ( dated 17/09/18)They need me to take action Again!! they want me to get intouch and tell them about my situation, They can then agree an affordable repayment plan with me,
the last line reads:_ wewd rather agree an affordable repayment plan with so, office junior?
24/09, letter dated 18/09/18 from Hoist Finance UK Holkdings 1 Ltd my account has been assigned to them from MKDP llP, which is interesting as RW letter of the 17th still says HPH2 have it, It was assigned to HPH2 from MKPD LLP a few years ago?
the assignment has taken place as part of a restructure of Hoist Finance group, so my account has been transferd from one part of the company to another.
so it is now in the hands of HFUKH1L,
But I can still carry on paying RW, or if not paying them, contact them to set up a repayment plan, their address is Quays Reach salford, which is also HFUKH1L address.
so in a nutshell MKDP assigned my account to HPH2, but somehow have now assigned it to the same company with a slightly different name who have said that RW will still service the account, but fail to mention that RW are part of the same company.
missing PT letter will be sent 2mozz
washing my hair
They are prepared to offer me an opportunity to pay before they pass it back to Tesco with a recommendation 
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