Nightwatch & Hubbys Diary of debt

[Warwick65]

Don't they just drive you nuts sending out the same letter time after time - at least it is costing them money :-)

[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.

2016 nothing
2017 nothing
2018 nothing

2019

27/04 Have received a strange letter from Arrow,
They have recalled the account from Shoosmiths and are looking into the query that was raised ? NOV 2015

Once resolved they will write outlining the outcome of the query and about the next steps they decide to take.
This may include appointing one of their specialist "Servicing Partners" to manage the account.
Till then the account is on hold and they will contact us for any information they may need to resolve the query.


well it's taken 4 years to be found behind one of the filing cabinets, pity it is UE and SB, I only knew it was this account with it being the only one of Hubbys sent to shoosmiths as the letter only has an Arrow ref.
filed

will file and wait and see what amusing reply i get to a 4 year old SWID letter

[nanna58]

Damn pests xxx

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this
UE thanks Niddy
27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

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

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


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

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

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

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

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

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

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

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

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

well the cheeky boogars have just put a new default on my credit file the original only came off in may last year!!

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century
30/05 letter from Nwide (28/05) from Mr A D,
Dear Mrs nightwatch, I am writing regarding your recent complaint with Nationwide regarding your credit card. In order to fully investigate your account and your concerns I need You to contact me using the above details in order to discuss the outstanding balance and your intention to clear the debt
once you contact me I hope to be in a position to issue our final response by 4 june 2014
05/07 letter received they are removing the 2nd DN and would like to send me £150 quid, If I would like to discuss repayment of the account I am to contact Fredriksons, I have already had confirmation that this DN HAS been removed from Experian who also apologised for not getting back to me sooner
06/09 letter on Nwide headed paper, but envelope has a Walton on Thames post mark,they are letting me know that the management of my account will now be carried out on their behalf by ARC (europe)ltd, who are based in Walton on Thames. I need to ensure that all contact is is made directly with them in future'
17/09 call from ARC but they asked for a mrs nitwitcher so I said no one here by that name and hung up, number will now be zapped by the truecall
18/09 letter from ARC dated 15th, this account has now been passed to us for collection as our client has been unable to obtain payment of the outstanding amount from you
we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days, along with a firm offer to clear the rest of the overdue balance, we may pass your account to our solicitors, with instructions to prepare court proceedings against you. if they are only dealing with this account on behalf of NWide is it not NWide that have to issue proceedings?
you can make secure payments to ARC 24 hours a day with your Debit or CREDIT CARD on our website or by phoning our automated payment hotline on 0845 0268889 premium rate call
22/09 SWID letter sent to ARC, added a paragraph telling them that I thought the tone of their introductory letter , demanding an immediate payment of a substantial amount, and court action should further payments not be forthcoming,was both Intimidating and harassing,with out first finding out they had the correct person.also asked if they were acting for Nwide or had they bought the account?
also made it clear that all communication was to be in writing and my number was to be removed from their data and, I did not give my permission for anyone to call at the property to discuss the alleged debt .

25/09 letter from ARC, "please note we are a debt collection agent, acting in good faith on the instructions received from Nwide, We have been instructed by our client to manage your account and we are therefore authorised to contact you in connection with the above matter and to instruct solicitors in contemplation of court proceedings where we consider it appropriate to do so.We have acted in accordance with our clients instructions and within current collection legislation and guidance, we reserve the right to produce our correspondence to any tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter.
We are sorry to learn that you find the tone of our letter intimidating and harassing. We can assure you that this is not our intention and we are committed to resolving this matter amicably. We are unaware of an outstanding document request. Please be advised that the account is on hold, as we have passed your comments to our client and are awaiting their reply, we will contact you again when we have their reply

11/03/2015 letter from Arc dated 11/03.the enclose a copy of my signed agreement which shows I agreed to the T&C of the contract. No T&C enclosed
as they have supplied me with this document they must remind me that the outstanding balance is due and payable, they require my payment proposal within the next 30 days.
I can make payment 24/7 using my debit or CREDIT card or call their hotline on 0845 xxxxxx, they must make it quite clear that unless a payment is made within the next 30 days along with a firm offer to clear the rest of the balance, they will contact their client to obtain instructions on how to proceed to recover the debt, so it is in my best interest to contact them immediately on receipt of this letter.
They acknowledge my request not to contact me by phone and will comply with that request provided I send a payment along with a firm offer to clear the rest of the debt

well they can whistle Dixie for all I care, the demanding little sh1ts.
they have sent my application form, yes my siggy is on it but there are no T&C and there is nothing on it to say I agree or have read them before signing
under the signature box it says YOUR RIGHT TO CANCEL. once you have signed this agreement, you will have for a sh (rest is missing)
right to cancel it, Exact details of how and when you can do (rest is missing)
sent to you by post by us
parts of it look like a cut and paste job as the ends of words or sentences are missing
Any whoo will send Arc missing PT&C

20th march letter from ARC, account returned to Nationwide

2018
10/11/18 received an undated letter from NW informing me that the account has been Assigned on 22nd October 2018 to, Cabot Financial (europe) Limited, any further communication and payments must now be sent to Cabot with effect from 22nd October 2018
Enclosed was a notice from Cabot dated 08/11/18, introducing them selves as the new owners of the account saying they will be intouch soon and, how they are looking forward to talking to me.

sorry to dissapoint, but I will not be talking to them,
I have not heard a word from NW since thay passed the debt to Arc in 2014 and then Arc passed it back to Nationwide 2015

Will wait and see what comes next, not SB till next year but as Nationwide said years ago they have sent all the account info , they can't have the T&C's for this account, why worry.

Nov 2018,
a few calls this month from Cabot, they are automated and don't ask for any one person, just if you are free to call them, I am NOT free I am expensive, just ask the hubby.

29/11, leter from Cabot (23/11) they tell me the balance is outstanding, thats nice, they would like to offer affordable/ Flexable payment options to suit me, I like the one i'm on at the moment,
they would like to help me, but, I need to contact them
What COULD happen if I don't talk to them

my credit file could be affected next

they MAY have to consider othert ways to recover the debt Oh go on

I will receive calls/letters until i contact them. phone blocks and a good filing system

The outstanding amount will remain due, no s**t sherlock!,

they tell me to have a great day and they look forward to talking to me
signed by the delightful Deb Green

oh yes, it also states that the current creditor is Cabot Financial UK Ltd

31st dec letter from Cabot, Explore you options for repaying, Did I know I have several options available and Cabot would like to help me find the right one,
By talking to them I can find out how their affordable playment plans work, they can also tell me if i'm eligable for a discount.
I have already made a start by reading this letter
Dear Debbie, thank you so much for the offer of help. but I have already know how repayment plans work, I have also found how to deal with this alledged account.
so I will continue with the plan I have had in place for almost 6 years,0 payments of £0.00, till you find the correct paperwork.
What was that I havn't told you it's SWID, wait a bit longer and I will.

also received an automated call at lunch time, they never say who they want to talk to so hang up.

2019
02/01, called at 9 am eager little beavers arn't they
22/01 letter from Cabot, they understand it may be difficult to clear the acount in a short period of time, especially when there are other prioritys to take into consideration. yep my account with bargin booze
they waffle on about understanding debt and how they would like me to talk to them about how they could help to repay the account in the short term.
they own the account and are prepared to reduce the balance in order to help me become free of this debt sooner, subject to agreeing appropriate terms of repayment.
to take up their offer I am to call them and speak to someone asap.
If not I need to advise them of my proposal to clear the account.
a final parting message, This account may affect my credit rating and my ability to get credit in the future. Ask our team if the account is registered.

20/02/19
letter frm Cabot,We have not heard from you,
we have advised of several options that are available, all of which are in an attempt to help you be free of this debt,
you can pay on a monthly basis or make a proposal to clear the account at a reduced balance over several months.
if you start making payments towards the account then the balance will reduce.
If you clear the account then your file will be updated to show that no balance is outstanding. TALK TO US
signed by dishy debbie.

why would I want to pay now, I like the payments i am making,(zero) it is not on my credit file, nor are any of the others in this diary,

28/02 Cabot understand how difficult it is to clear an account in a short time, they propose to help clear it by accepting 25% BUT, I have to phone to discuss their offer,which also means I admit the debt and they can ask for more.
Now as tempting as that offer sounds, why would I want to pay an UE debt,
Sorry Ms Green offer declined

i have received a lovley glossy leaflet fromCabot, on the back it tells me that now is the time to take control.
Inside tells me the many ways they can help me, how they have a shiny new website.
If I register and activate the account online I can have £25 off the account
also their on line budget planning tool can help manage finances, who's ? just another name for I & E

11/05 email from Cabot, they have been trying to contact me,

it is a lovely colourful email, with pictures of bright open spaces, with click to link boxes, that can help me be free from debt, buy following their guru gide,
"The path to a debt free life", it offers me "easy to follow" links to budget, for a better life, live my dream, become as one with a Cabot repayment plan,

It seems dishy Debbie Green is't in on this one as it is under the wtchful eye of, Nicola Millson, Senior Customer Operations Manager,

one will sit back and contemplate this relaxing offer crosslegged on the shores of a distant, traffic jammed Mway, with a mug of cocoa and a chocolate hobnob.
MMmmmmmmm chocolate, I may be some time, (like till after August)

[The Tech Clerk]

As the Old Colonel said " Follow Me Men I am Right Behind You".

[julian]

Perhaps all the DCAs have got together on a jolly to celebrate their fortunes, and had a "good idea".

Oh so good, why haven't we done it before? Let's offer a discount to tempt payment!

Wow!

[The Tech Clerk]

Usually seen in the past:- when a court case is due and they have one last attempt to get money before discontinuing the case? but not in all cases!

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
account terminated 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way
Last paid March 2012 Now SB

12/04 CCA sent
03/05 letter received, dated 21/04, unable to deal with request as it is not signed. returned with 'no sig required' temp
19/05 letter from D Munn,(7/5) 'HE' is disappointed to note that I have failed to comply with 'OUR' agreement,unless 'HE' receives an immediate payment as arranged 'HE' will have no alternative but to place my account in the hands of an external DCA
7/6, letter from tesco, Legal and Estates,"further to my recent request, we enclose copy information held by Tesco Bank provided under the terms of the above act"
they have sent me the information as quoted under DPA 1998 ??
will email what I got to Niddy
missing PT letter will be sent 2mozz
after sending missing PT letter have just received the same stuff back but with some T&C but i cannot see any date on them so don't know if they are original or varied will send to Niddy for his opinion

His Niddyship says to ignore, wait and see what happen next
2013
31/01 letter from tesco dated 28/01, We are considering legal action to recover your debt, despite writing to you several times, you have still not paid off your credit card balance or made a repayment arrangement with us,we are now considering commencing court proceedings against you to recover this debt.
it then goes on to explain what this could mean and what may happen if i don't pay the CCJ 1, paid from employer. 2, charging order.
they would prefer to come to an arrangement to settle the debt and i am to call them immediately to discuss a repayment plan.
20/02 was going to send threat o gram template for last letter but forgot to post it (just found it in the car)
20/02, 2 letters received today both dated 15/02 from Tesco Collections, letter 1, wants me to contact them urgently to discuss my account.
letter 2,Tesco Recoveries, because of an absence of an acceptable repayment arrangement, and because i haven't contacted them, despite several attempts to discuss the matter, they will shortly commence further action against me with the assistance of DCA or Solicitors. To stop all action I am to make a payment NOW. If no payment or agreed repayment plan is received within 7 days, they will commence further action against you
22/02 letter sent cross between you have not sent me my CCA /unenforceable/threat-o gram it was received by them on the 23/02
11/03 [05/03] letter from Tesco recoveries,Important you must take action-call us today,despite previous correspondence and our repeated attempts to try and reach an arrangement with you, the debt still remains outstanding.
we will shortly have no alternative but to seek the assistance of a debt collection agency or, if appropriate, commence legal proceedings against you for the recovery of the debt.
I am to make an acceptable offer of repayment within the next 7 days
25/03 letter from Moroncroft (23/03) my account details have been passed to them from Tesco Bank,they are acting as collection agent for them, they will be in contact with me within the next 7 days by letter and/or phone to discuss my repayment options in detail, well tesco can't have a valid CCA, if they can't read and answer my last letter I'll just have to start the ride again
April
05/04 SWID letter sent to morons also pointed out all communication in writing only and that I do not give permission to anyone to visit my doorstep so dont try that one.
06/04 letter from moronics of possible further action if no contact is made by 12/04. I could contact them now and they would be happy to discuss a repayment program, they may also be able to offer a substantial discount off the outstanding balance.
19/04 letter from moronics thanking me for my recent letter and advising that they will be communicating with their client in respect of my raised query. follow up action will be suspended on my account and they will endeavor to provide me with an appropriate response as soon as possible No rush love, no rush.
04/05 letter from Morecomics [01/05] Tesco have told them that they completed an agreement request S78 on the 5th June 2012 and also on the 25th June 2012.
they also advise that the account is on a temporary hold to allow me time to receive this letter and contact them to discuss a payment arrangement I can afford and maintain, if contact is not made promptly, their follow up of the account will recommence. just to make clear. Tesco sent me a photo copy of the signed agreement and T&C dated 2012 but no original T&C and the covering letter said it was sent under the Data Protection Act 1998 , and when I sent the Missing PT letter they sent me the same 2 pages so how have they complied with my CCA request
UE CCA received letter sent to morcomics
17/05 letter from moronics(14/05) their clients believe that the documents sent do meet the requirements under s78 of the Consumer Credit Act.They go on to explain what may be omitted from the document and that there is no requirement to provide a signed 'Executed' copy of the agreement.
their client believe that the balance remains due and payable and they therefore require immediate payment of the said sum or my realistic proposals for repayment of the same within the next 14 days
21/05 letter from morecomics(20/5) to prevent further action I am to send my payment proposal before 27/05 or telephone them within the next 7 days sorry their last letter dated 14th states 14 days 14+14= 28, so they can wait
If i do not contact them following receipt of this letter they MAY have no alternative other than to recommend to their clients that they consider further debt recovery action against me deary me I'm quivering in my armchair. no PT, no compliant CCA. sorted
6/6 letter from Morecomics (3/6) as they have not received any communication from me with regards to my outstanding account, they feel that I may not be in a position to meet their request to clear the account in full.gosh they get have feelings
to prevent their recommendation to their client that further debt recovery action be considered they are prepared to accept payments of �120 a month,to take advantage of this offer I must,
contact them by phone err no
make payment by website erm No
send payment attached to letter and no again
if I do not reply I MAY leave them with no other option but to recommend to their client that they CONSIDER further debt recovery action against me
18/6 letter from Midas cs,(17/06) they are aware that i have not agreed a repayment for this debt with moronics. they are now reviewing the account prior to the possible recommending of further debt recovery action to their clients.Now are they talking about Tesco or morcomics being their client
they would remind me that unless we can agree a settlement of this account, the default which their client may have registered against my credit file will remain unchanged. are they using a default as a threat , cos the Tesco wouldn't remove it anyway To prevent possible further action I must contact Morecrap now.
04/07 letter from Morcronic (01.07) their records show I have not made any payments to them must have a newbie in accounts so my account has been passed to the next desk along Home collections Division, for action.So are they collecting home's now along with door steps? This may involve their local rep calling at my home in the near future,to establish how I intend to settle the balance outstanding.easy! you give me a valid CCA, I consider where we go from there
If I would prefer to agree a repayment arrangement or I believe there is an outstanding query on the account I must telephone no later than 08/07 i'm busy washing my hair
they would emphasis that if no satisfactory agreement is made they may have no alternative but to recommend to our client that they consider further debt recovery action they have been putting this last line in since may


27/07 letter from morecrap We are agents of Tesco Bank, Their records show that the above account has an outstanding balance, They have therefore asked us to contact the account holder to discuss the account and we have been provided this address by a credit reference agency that supply us with addresses links based on the information they hold.Please contact us to confirm the position and so that we can make the appropriate arrangements.
However if you believe that you are not the person responsible for the account, it is important you contact us immediately, either by telephone or letter. they told me that they were agents back in March, they have also told me how outstanding my balance is, but never sent me an award for it,and why have they found my address through a CRA when they have been writing to me and I have been replying? errr what position do I need to confirm ? If i write and tell them I'm deceased will they make funeral arrangements?

05/08 letter to morecrap pointing them back to my letter sent in may also asking what position I am to confirm,and why do they need to look me up when they have been sending letters containing confidential details since march, so it is a little late to find out if the correct person lives at this address .

12/08 letter from Morecrap (10/08) in capitals, Important information-possible further action. I am to contact them in the next 7 days, or send my payment proposal before 17th Aug, to prevent possible further debt recovery action, If i don't they may have no alternative than to recommend to their client that they consider possible further debt recovery action against me, they may be able to offer a substantial discount from the outstanding balance, Oh dear me, the newbie has done it again and sent me letters from the past.
17/08letter form Morecarp, account on hold while they contact their client

25/09 letter from Tesco, due to my failure to agree or maintain repayments towards this account, we have decided to pass the management of the account to one of our DCAs, fredrickson International Ltd, they will attempt to contact you within the next 10 days, to discuss your individual circumstances. their aim is to establish an affordable and sustainable repayment arrangement with you. Should I wish to contact them, the contact details are below
30/09 letter from Freds Hi nw you've not paid tesco, so we are sending you this threatening 1st letter so you will give us all your money OR ELSE Reply piss off
14/10 SWID letter sent to freds
24/10 letter from freds(17/10) they note the contents of my recent letter pity they didn't read it if I require documentation under the CCA1974 I may request this directly from their client with the fee of �1,00, I sent SWID,
I am to contact them with my payment proposals

12/11 letter from fred, In answer to my recent letter(read what I sent)Their client confirms that they complied with my s78 CCA request in June 2012 and sent me documents on the 5th and 25th of that month.
their client also advises that their legal department do not keep copies of what was sent.that's a bit daft, so how do they know what was sent complied with my request?? Should I require further copies I need to make my request again DIRECT to their client and enclose the £1.00 fee as they have complied with this request twice already.
Fred says they would be grateful if I would contact them with my payment proposal by 25th November if they do not hear from me collection activity MAY resume.
04/12 letter from freds [02/12] Dispite attemts to negotiate a settlement on this account, there is still no arrangement to pay in place to repay this debt, would I like to contact them ? NO!
19/12 letter from Freds[17/12] Dispite previous correspondence from them my debt remains outstanding,They are prepared to offer me an opportunity to pay before they pass it back to Tesco with a recommendation to take further action, they are prepared to accept a full and final settlement, provided i phone them on 0845xxxxxxx within 7 days of this letter and they offer a variety of ways to pay. Pity I don't like any of them
2014
Letter from Tesco, due to the fact I have not agreed to or maintained payments to this account, they have decided to pass it to one of THEIR DCA's and the winner is....WESCOT
funny thing is the letter is from Tesco on Tesco headed paper but the return address on the back is Huddersfield which is Wescots mail shot address, and the letter is unsigned, should I send it back with a complement slip asking for a signature??

29/03 letter from Wescot, again it tells me my balance is outstanding, and they have been instructed to collect the debt in full, blah.blah,blah
08/04,have sent SWID to wescot
10/04.letter from wescot, we know you live there you have not contacted us
01/05. letter from Wescot dated 28/04. Having contacted their client, they advised that they have complied with my request on 2 occasions,in 2012. therefore if I require another copy of the documents I must send another request along with the £1.00 fee.
Will send Missing PT to Wescot when I can be arsed

22/05 letter from wescot(17/05) as a final attempt to avoid further action their client has agreed that they(wescot) can offer me a discount to settle my account I have till 27/05 to agree a suitable settlement or the offer will be withdrawn and further action will continue to recover the full outstanding balance, phone us on xxxxx no mention of how much the discount is, and what part of I do not discuss anything over the phone in my SWID letter do they not understand. Oh yes all of it
If i can't take advantage of the offer they will still consider a realistic repayment plan and I should contact them as a matter of urgency to discuss my options
07/06 letter from wescot.Offering me the opportunity to take control of my outstanding balance. They understand there may be reasons for me not responding to them . I may feel that I am not in a position to start making an acceptable payment against my balance or that I don't know how best to manage my way through my current liability's
Blah, blah blah......This debt will not go away now is the best time to act contact us on the number above where one of out dictators, sorry dedicated operators will help me make a fresh start.
18/06 letter from 2F. Our enquiries indicate that you are resident at the above address no sh1t sherlock Despite previous attempts, we have not been able to contact you in relation to a matter we are dealing with on behalf of Tesco bank.
IT IS IMPORTANT YOU SPEAK WITH US DIRECTLY TO RESOLVE THIS ISSUE. CONTACT US ON 0844 XXXXXXX
reply :Dear 2F, FU. as you are part of Wescot you will know that I have requested no contact by phone, yet I can see by my call log that you have tried contacting me this way 6 times this month.I shall make this clear. This account is in dispute, No valid CCA has been received. this account is UE and will remain so unless a valid CCA is forthcoming. I will not be sending £1.00 fee for another CCA as the originasl request was not fullfilled. so I suggest you return this to the original creditor and ask them to send a compliant CCA, admit that they dont have one, or stop harrassing me . now piss off your turning my strawberrys and cream sour. NWplease note I may not send it in this format this is only my oppinion at this time .

2016
27/02 letter from Tesco they have assigned my account to, Hoist portfolio holding 2 limited, who have appointed Robinson way limited to manage the account on their behalf
12/03 letter from RW they currently have over 300,000 customers on a payment plan with them , which is the best option for me,
1, - pay £6.93 per week
2, - pay £9.35 per week
3, - pay 14.74 per week
4,- tell us what you can afford, there is no minimum payment.
I choose option 4 and I can afford £0.00 per week

23/03 letter from RW dated 17/03, If I don't contact them they will have to make a decision on what happens next to the balance I owe.
whether to advise our client to instruct Howard Cohen & Co Solicitors to commence legal action against me; or
Further collection activity, letters & calls,
they would prefer me to agree to an affordable arrangement and it's not too late for this,
OR
their client has confirmed that they are willing to accept a single payment of £3,547.58, to clear it in one payment.
give us a ring so we can discuss the best option for you.

suppose i had better send the SWID
18/07/16 letter from RW re amount due to HPH2, the original creditor has said that they don't have any record of an active dispute with this acccount. If I have any evidence to support this would i please provide it.NO
BUT, they have kept the account on hold as they have raised further queries with their client to request more information, they will contact me again when they have a response from them. hope it takes a while x
30/8/16 letter from RW, account still on hold as they have had no reply from Tesco
17/10/16 letter from Rw( 13/10) their client has confirmed that Tesco have not received a formal CCA request from me, should I wish to make a formal request I should put it in writing to RW along with the £1.00 fee
28/11, letter from RW ( dated 23/11) " Pre legal assessment" they have assessed my account and found that it meets their initial criteria to be considered for legal action. They now need to understand my curcumstances to determine the most appropriate action to be taken for this account, The account may be transfered to Howard Choen & co. In 10 days without any further notice, If it is and court action is taken they will ask the court for an order adding legal costs and intrest to the amount I owe,It's not too late to agree an affordable payment plan:if you would like to agree to a plan or, youbelieve you have a valid dispute just call us before 04/12/16.

1/12/16 ,UE no valid CCA received letter sent to RWl
19/12 letter from RW dated 13/12, following my request???they have asked for a copy of the agreement/statement to verify that I am Liable to pay the amount due. the account is on hold pending rceipt of said document and they will contact me again in due course.

10/07/17
Letter from RW , they enclose a pile of statements from 2004 -2011, T&C with 9904 at the bottom and the signed CCA as received in 2012, no varied T&C's
they have put account on hold for 30 days and request i fill in the I&E they have supplied,
have found some T&C's dating from 1010 (october 2010) 1111 (nov 2011) 0112 (jan 2012 so am assuming the T&C's sent are from Sept 2004 and not originals from when taken out in April 1999

12th Aug 17
letter from RW (08/08) telling me no minimum payment is required, but they can help me set up a repayment plan of £40 per month or one based on what I can afford

25/08/17
letter from RW dated 21st, WHY HAVE YOU NOT CONTACTED US?, we have made numerous attemps to contact you regarding the ourstanding account but we do not currently have a payment plan or agreement with you
we need you to contact us and tell us about your curcumstances, based on what you tell us we can;
Agree an affordable payment plan- there is no minimum payment tell us what you can afford
Hold your account from any further activity
Look at offering you a reduction on the amount you owe
investigate any query or didpute you may have.
If you do not contact us we cannot help you. please contact us by 01/09/17

08/09/17
letter from RW, (03/09) A reduction to help you clear your balance.
as the account remains unpaid, they want to help find a way to clear the debt, their client has advised that they will accept a 66% settlement to clear the balance in one payment.
so they would like me to pay 3k, but if I am unable to pay in a lump sum they MAY be agreeable to me paying in monthly instalments.
OR if neither of these options is possable I can tell them what I can afford and they will work with me to find a resolution.
either way please call, web chat or email to let them help.

04/06/2018
Letter from RW 30/05/18 WE want to help, they note that the balance remains outstanding and would like to discuss with me how we can work together to find an affoedable arrangement bases on my circumstances
contact us to discuss a way forward.
My circumstances are
1, no valid CCA
2, not paid since March 2012
3,IT'S SB.
but I will keep this quiet unless the letters get threatening

11/06/18 letter from RW dated 6th
They are committed to help me come to a resolution for the outstanding account
They are proposing to send a field contact manager to my address after the 17th to help me reconnect with them
They would like me to come to an affordable repayment arrangement which will take into account my personal circumstances and financial situation.

4/07/18 at 14.40 a field agent arrived at my door, I opened it , he asked if I was Mrs NW I said yes, he showed me his badge ( dirty monkey) I told him to go away as I was not in the mood for an argument, He said I'm not here to sell you anything, my reply I know why you are here now go away, My Mum has just died and I am not in the mood, I shut and locked the door with him still saying for all the neighbours to hear, I'm here about a debt you owe. to which I shouted back to him " go check your dates" and I left him there.

04/08/12
letter from RW dated 31/07/18 "quote" Our doorstep collector has recently visited you at your home and You informed them that You may require or have may already have obtained some assistance with your current financial situation. As a result your account has been returrned to our head office and we have placed it on hold for 30 days to allow you or your appointed representative time to contact us.

7/8/18, formal letter of complaint sent to RW about agents visit and his report back to them.
Also enclosed GDPR for ALL info held about me on their systems.
08/08/18 Letter received and signed for by RW

16/08/18 Letter from HOIST FINANCE they reply to my request for DSAR and enclose information within their control since they were assigned allaccounts held .

They enclosed a print out they give the owner of the account as Hoist portfolio 2 ltd
Their address is Quays reach Salford this is RW address
Date of assignment is Feb 2016, default date, date account was opened
THE LAST PAYMENT DATE to original creditor isssss 16/03/12
The contact log lists mail sent and received since 09/02/16
list of calls made to me
list of SMS sent to customer, 09,12,14,19/06, this is interesting as they have the wrong mobile number

no mention of the home visit, or a reply to the complaint about said visit,

also no mention of the Barclaycard account they hold ( which I have a letter saying is UE )

22/08/18 have today received a reply to my formal complaint, letter dated 17/08, they acknowledge receipt of my complaint received by us on 13/08/18.
The matter will be investigated thoroughly by their complaints department and will contactme ASAP,
My account has been placed on hold until resolved,
interesting they received my letter on the 8th, so where has it been sat till the 13th

10/09 letter from RW, they have not compleated their investigation into my complaint, they aim to respond to me ASAP, but no later than 07/10,
I look forwad to their reply,

15/10 letter from Hoist they are transfering all rights from ,Hoist Portfolio Holdings ltd to HFUKH2L

23/10 letter to RW complaining that they had not responded to my complaint by the 7th as they said they would. also told them to remove phone numbers as the mobile number in the SAR from Hoist, was not mine and never had been,
pointed out that the SAR asked for ALL information in the systen that contained my name, not just the one they linked to their ref, and why was the "Agent's" report not contained in it?


26/10 letter from RW,
they are sorry are sorry I have found cause to complain and also apologise for the lateness of a reply
they would like to express their sincer condolences and are very sorry to hear of my recent bereavement, they would like to assure me that it was not their intention to cause any upset.
they continue that they do not uphold my complaint, However they have noted my concerns on their system and taken steps to prevent a Field contact manager from visiting again.
my SAR request has been actioned and they hope this information provides me with the clarification I require, the account is on hold for 30 days to allow me to contact them to set up an affordable repayment plan. if they dont hear from me by 20th November collection calls/ letters may resume.
don't think there is any chance of that happening

29/ 10 letter from Hoist the notice of assignment they sent on the 10th is incorrect, it was listed as being sent by Hoist Portfolio Holding Limited, it should have been Hoist portfolio Holding 2 limited.
thay enclose a new Notice of assignment for my records

24/11 letter from RW, they are aware of my circumstances and appreciate that you are experiencing difficulties at present.???
they want to help by agreeing an affordable arrangement based on my circumstances, please call......

NO.

03/12/18 letter from RW,They ask me to choose one of the following options to allow them to work with me to understand my current circumstances:
Ican contact step change for free and independent help to assist with managing my finaces and contacting creditors on my behalf.
Complete the attached I & E form and return it to them
Call them on xxxxxxx if I need any help to complete the form, or to discuss the most suitable solution to manage my account.

I don't find Stepchange impartial, and I don't need help with my finances so thats a NO

I don't have any income, It's all hubbys so another NO,

I don't need help filling in the I & E with zero's so won't be calling them
the most suitable solution to manage the alledged account is to continue to ignore all letters til they realise it's SB.

31/12/18 letter fromRW, if I am having difficulties and need help I can contact them,

well I am having a problem with the boiler, should I give them a ring????? Naw can't be bovvered, x

24/01/19
letter from RW (19/01/19) they are aware that i may be experiencing difficulties in paying this account and would like to help me
no problem just not going to pay,
They have a range of payment options available for me that they can tailor to my individual needs.
bet not one like i have now
they may be able to offer a reduced settlement that I may be able to pay over a number of months,
is it 100%? no, not interested
they are dedicated to to ensuring that they agree a solution that is right for me and suits my personal circumstances
Yeah as if,
Direct debit is an easy way to pay, call us to set this up or pay by a card
I don't think so, I like the way I pay at the moment.

13/04
letter from RW, I have not responded to their recent letter,
As i have experienced difficulties, they would like me to choose one of the following options,

Contact StepChange, who offer free and impartial advice.
Complete the enclosed I&E form,
Call them and they will help fill in the form and discuss the most suitable solution to manage this account.

13/05 . letter saying I need to contactthem to set up a repayment plan, if in difficulties I can contact stepchange, National debt line,CAB.
Or I can call them,

will file

[nightwatch]

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
account terminated 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way
Last paid March 2012 Now SB

another letter from RW asking me to contact them, filed

[cymruambyth]

If RW didn’t send you anything, the money saved in postage and stationery would probably cover the debt!

[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 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.

2019
12/06, letter from RW. every day we speak to and help people like you, you have never met me, nor spoken to me.I assure you I am not like other people
Now is the time for you to get in touch too. At the moment we can offer you a reduction on the amount you owe,
allegedly owe, at this one moment in time,
they actualy offer a 29% reduction for 30 days from the date of the letter, always a catch, you only have to visit the website to register/login for more information on how to take advantage of this reduction offer
If I am unable to pay this ammount in full, i am to visit the website anyway, as they MAY be able to agree monthly instalments, as an affordable way to pay off the balance
dear RW, many thanks for your recent missive offering such a pityful reduction on the balance of an Unenforceable and SB account.
Having thought it over for 2 seconds ,I, have decided not to take up your offer so will not be logging in to see the details of how to take up this untemping offer,
Nor will I be offering any monthly payments,
I would point out that I should of told you ages ago that it is SB, but not many people write to me now, so a letter from you is such a joy.
I look forward to the next one xxxx

will file and see when they next write to me

[nightwatch]

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
28/06. letter from Cabot, they offer an amazing saving for me, whoopy doo
I only have to pay them 25%,plus they can be flexable on how to repay the ammount, some of their "customers" take up the offer and pay over 3 months, but most pay all in one go, really? i wouldn't have thought so reading this site.
if this isn't possable, it's not a problem as they can talk to me about a repayment plan, i don't think so sweety, if i havn't spoken to you, or replied to any of your letters, why would you think you can talk to me now?
Have they been taken over by MI5? only this is sent from XX Head of internal operations

[stuckinarut]

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
28/06. letter from Cabot, they offer an amazing saving for me, whoopy doo
I only have to pay them 25%,plus they can be flexable on how to repay the ammount, some of their "customers" take up the offer and pay over 3 months, but most pay all in one go, really? i wouldn't have thought so reading this site.
if this isn't possable, it's not a problem as they can talk to me about a repayment plan, i don't think so sweety, if i havn't spoken to you, or replied to any of your letters, why would you think you can talk to me now?
Have they been taken over by MI5? only this is sent from XX Head of internal operations

Ha Ha Rather grand that title Head of internal operations. Must be using a new batch of templates. cos we got one as well. We must be valued customers NW.

[nightwatch]

It's gone very quiet, do you think everyone is saving their ink for a big push next month?

[The Tech Clerk]

Xmas rush?? Lol