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  • Re: Nightwatch & Hubbys Diary of debt

    Normal for MKDP. lots of these letters!

    Comment


    • Re: Nightwatch & Hubbys Diary of debt

      Originally posted by nightwatch View Post
      Barclaycard (2)
      CSL chasing /Robersway/mkpd
      started 1999
      ballance £3681.29
      defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
      CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
      SAR 2012 sent micofiche copy of agreement bur T&C are 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 nessesary

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

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

      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 toprovide 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 currrently 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
      As they have said they cannot enforce shall I just let it lie?
      or send a letter with a copy of the CCA request I sent to CSL that was never complied with and ask where my £1.00 went?
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment


      • Re: Nightwatch & Hubbys Diary of debt

        I would keep that letter very safe and let it be .I may be wrong.love your letter BTW xxx
        if you do it today and you like it you can always do it again tomorrow


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • Re: Nightwatch & Hubbys Diary of debt

          Originally posted by nightwatch View Post
          MNS reserve
          started 1997
          ballance £2333.64
          defaulted 2006
          prorata to date oc


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

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

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

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

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

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

          13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

          15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
          It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
          28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
          they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
          April
          08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
          2014
          letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
          never heard off Wescot about this account
          19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
          28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
          I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement.
          cheeky sods they can ask they won't get
          think I will wait for next threat, I'm in a can't be arsed mood

          well never heard of Rockers but today I get a letter from arrow

          01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
          09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full,
          errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
          the benefits of contacting us and agreeing a way forward are
          you will not receive any further debt collection calls or letters from us regarding this account,
          I ignore most of them anyway so no benefit
          while your account is with us you will not incur interest or fees,
          not paying gets me the same result, so, no benefit
          you will be taking positive steps to improve your credit rating,
          already am as only 1 default left on CRA file, so, no benefit

          30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
          they say if I don't contact them to take up the offer they have been instructed to seek recovery of the full balance, so I think I will wait for there next letter.
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • Re: Nightwatch & Hubbys Diary of debt

            I'm following your M&S Reserve account with interest. I have one which I have deemed unenforceable because the recon Ts & Cs are utter nonsense.

            I see yours was deemed enforceable in May 2012 but if anyone turns up the heat it may make sense to run forensics over those Ts & Cs which you were sent because the errors are not blatantly obvious

            Comment


            • Re: Nightwatch & Hubbys Diary of debt

              Originally posted by nightwatch View Post
              Barclaycard (2)
              CSL chasing /Robersway/mkpd
              started 1999
              ballance £3681.29
              defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
              CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
              SAR 2012 sent micofiche copy of agreement bur T&C are 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 nessesary

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

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

              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 toprovide 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 currrently 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?
              will file and see what comes next
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • Re: Nightwatch & Hubbys Diary of debt

                Originally posted by nightwatch View Post
                Barclaycard (2)
                CSL chasing /Robersway/mkpd
                started 1999
                ballance £3681.29
                defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
                CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
                SAR 2012 sent micofiche copy of agreement bur T&C are 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.



                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,
                will wait till end of week to tally up the calls then send a formal letter of complaint about the calls
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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                Comment


                • Re: Nightwatch & Hubbys Diary of debt

                  Originally posted by nightwatch View Post
                  Barclaycard (2)
                  CSL chasing /Robersway/mkpd
                  started 1999
                  ballance £3681.29
                  defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
                  CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
                  SAR 2012 sent micofiche copy of agreement bur T&C are 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


                  long story, go to 1st page to read it all

                  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
                  now I am a bit stuck on what to send,
                  a, a short note pointing out that compello group have said the account is unenforceable and that although they can ask for payment they cannot make the debtor pay unless the CCA is found
                  b, threat of Lit, but this is not quite right as the original creditor has not said it is unenforceable only MKPD.
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • Re: Nightwatch & Hubbys Diary of debt

                    Originally posted by nightwatch View Post
                    now I am a bit stuck on what to send,
                    a, a short note pointing out that compello group have said the account is unenforceable and that although they can ask for payment they cannot make the debtor pay unless the CCA is found
                    b, threat of Lit, but this is not quite right as the original creditor has not said it is unenforceable only MKPD.



                    • just tweak it and send the the letter you have from compello group
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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                    Comment


                    • Re: Nightwatch & Hubbys Diary of debt

                      I would go with a nice short reminder that they haven't read your letter telling them it's UE, with a copy.

                      I'd put PLEASE READ CAREFULLY at the top cos they are a bit fik

                      Comment


                      • Re: Nightwatch & Hubbys Diary of debt

                        thanks to you both, will send a mix of both, as it may confuse them a bit longer,along with the telephone harassment letter but it can wait til monday to go
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment


                        • Re: Nightwatch & Hubbys Diary of debt

                          Originally posted by nightwatch View Post
                          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 sympatetic 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 recomend 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 letterwith 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
                          will wait and see what comes
                          SWID sent 17/12
                          Last edited by nightwatch; 28 December 2014, 16:11.
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment


                          • Re: Nightwatch & Hubbys Diary of debt

                            MKRR have tried to contact me 4 times on 23/12 and at 08.20 on 24/12,Christmas eve morning, someone must be lonely in the office.
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • Re: Nightwatch & Hubbys Diary of debt

                              Well that wasn't very nice if you didn't reply to keep them company
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment


                              • Re: Nightwatch & Hubbys Diary of debt

                                Originally posted by nightwatch View Post
                                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 sympatetic 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 recomend 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 letterwith 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 them 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

                                Dear wescot, REMINDER, I recently wrote to you, you received and signed for it on the 22nd Dec 2014, have you mistaken it for a Christmas card and put it in the recycling? I suggest you go and look for it and after you have read it you can then reply to it.
                                many hugs, love and kisses NW x
                                5/01 just received letter from wescot dated 02/01 account on hold while they refer back to Arrow
                                Last edited by nightwatch; 5 January 2015, 13:05. Reason: update
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