Roomtobreathe's UE diary

[Deepie]

Re: Roomtobreathe's UE diary

Kerching!!!!

Halifax account as here

Moorcroft have sent a letter informing me that Halifax have mislaid the CCA due to the age of the account and returned me quid.

They would like to know within the next 14 days how I'm going to discharge this liability.

Any pointers on my response?

As an aside I stopped paying this account in October. They've had the CCA request since June. Coincidence?

Send them this back --->Final Response - Unenforceability (No CCA Received)

[roomtobreathe]

Re: Roomtobreathe's UE diary

Kerching!!!!

Halifax account as here

Moorcroft have sent a letter informing me that Halifax have mislaid the CCA due to the age of the account and returned me quid.

They would like to know within the next 14 days how I'm going to discharge this liability.

Any pointers on my response?

As an aside I stopped paying this account in October. They've had the CCA request since June. Coincidence?

[Never-In-Doubt]

Re: Roomtobreathe's UE diary

These are just normal monthly chasers telling you you've defaulted on that months payment etc etc - it's nothing to worry about, you'll see loads of them if you follow UE....

[roomtobreathe]

Re: Roomtobreathe's UE diary

Nothing just ignore........

Blimey, that was quick!

Anyways, I'm confident that I can follow your instructions to the letter!

[Deepie]

Re: Roomtobreathe's UE diary

Mercers have been in touch regarding Mrs RTBs Barclaycard.

Post here

We stopped paying anything against this last month so they've been roused from their pit.

It's titled as an S78 (i) asking for the arrears to be paid forthwith else a formal demand and further action blah, blah.

OFT leaflet enclosed as well.

Anything I need to do?

Nothing just ignore........

[roomtobreathe]

Re: Roomtobreathe's UE diary

Mercers have been in touch regarding Mrs RTBs Barclaycard.

Post here

We stopped paying anything against this last month so they've been roused from their pit.

It's titled as an S78 (i) asking for the arrears to be paid forthwith else a formal demand and further action blah, blah.

OFT leaflet enclosed as well.

Anything I need to do?

[Never-In-Doubt]

Re: Roomtobreathe's UE diary

I move slowly!

I sayin nuffin mate

[roomtobreathe]

Re: Roomtobreathe's UE diary

Uh? You're making payments against an UE debt...... tell me more

It was just too much to go down the UE route with so much going on with the court case and the other potential court case. Now one is over and it seems as though the other can be avoided I can move on.

Myself and Mrs RTB have decided that the CCCS DMP will be cancelled in the next few days and the remaining potential UEs will be receiving the CCA request shortly.

I move slowly!

[Never-In-Doubt]

Re: Roomtobreathe's UE diary

I was so impressed with those templates that I forgot to send it!

Anyways, Moorcroft have now sent me a letter thanking me for my recent payment to Halifax but reminding me that according to their last letter (which I never received cos they never sent it) that payment should be made to them from now on.

I'd rather live in a glastonbury festival toilet than pay them feckers anything so can I tell them to sling their hook regarding paying them? I'll tack it onto the template I should have sent!

Uh? You're making payments against an UE debt...... tell me more

[Never-In-Doubt]

Re: Roomtobreathe's UE diary

Blimey, those templates have changed since I last had a rummage! Very impressive.

You're never here and they are changing again

[roomtobreathe]

Re: Roomtobreathe's UE diary

I was so impressed with those templates that I forgot to send it!

Anyways, Moorcroft have now sent me a letter thanking me for my recent payment to Halifax but reminding me that according to their last letter (which I never received cos they never sent it) that payment should be made to them from now on.

I'd rather live in a glastonbury festival toilet than pay them feckers anything so can I tell them to sling their hook regarding paying them? I'll tack it onto the template I should have sent!

[roomtobreathe]

Re: Roomtobreathe's UE diary

Blimey, those templates have changed since I last had a rummage! Very impressive.

[Deepie]

Re: Roomtobreathe's UE diary

HALIFAX CARD SERVICES CREDIT CARD/STORE CARD
Started 01/12/05
Balance £6860
Credit Card Limit £6900
In the last 36 months of account activity, the number of status 1-2 is 03 and the number of status 3+ is 00
Currently paying through CCCS
Adding a reduced rate of interest

Seems the recent stormy weather has washed a few undesirables out from under their stone. As of my CCA request 27th June I have yet to receive one. Letter from Moorcroft reckoning that I'd received it so will begin collection process unless I tell them otherwise. Saved meself a stamp and ignored letter. Now got a pre-school litigation letter.

Best response?

Send this > CCA Reminder - Unenforceability Threat

[roomtobreathe]

Re: Roomtobreathe's UE diary

HALIFAX CARD SERVICES CREDIT CARD/STORE CARD
Started 01/12/05
Balance £6860
Credit Card Limit £6900
In the last 36 months of account activity, the number of status 1-2 is 03 and the number of status 3+ is 00
Currently paying through CCCS
Adding a reduced rate of interest

03/08/2010 Statement
02/09/2010 Statement
04/10/2010 Statement
31/10/2010 Amount you owe
02/11/2010 Statement
03/11/2010 Not renewing my card
03/11/2010 missed payments under CCA1974
30/11/2010 Demand for payment
02/12/2010 Statement
01/02/2011 2 page default notice
1 Mar 2011 Trying to contact letter
2 Feb 2011 Statement
3 Mar 2011 Statement
4 Mar 2011 CCA 1974 required notice
8 Mar 2011 Default Notice
31 Mar 2011 Amount you owe £521.55
4 Apr 2011 Statement
2 May 2011 Amount you owe £640.69
4 May 2011 Statement
5 May 2011 Notice of default
1 Jun 2011 Amount you owe £904.47
2 Jun 2011 Statement
14 Jun 2011 Moorcroft contact us letter
20 June 2011 Phone call from Moorcroft
21 Jun 2011 Letter ref xxx
27 Jun 2011 Letters re no visits, CCA request and reply to request for payment

1 Jul 2011 stopping collection
2 Aug 2011 reckon halifax supplied cca request, nothing received, didn't reply
16 Aug 2011 Possible litigation £xxxx

Seems the recent stormy weather has washed a few undesirables out from under their stone. As of my CCA request 27th June I have yet to receive one. Letter from Moorcroft reckoning that I'd received it so will begin collection process unless I tell them otherwise. Saved meself a stamp and ignored letter. Now got a pre-school litigation letter.

Best response?

[garlok]

Re: Roomtobreathe's UE diary

Absolutely Niddy, I put up a post this morning on the Wescot & Compensation thread concerning an article in The Lancet concerning the 10% increase in the suicide rate in the UK since 2007 and the wider effect on the mental health of all of us.

People wonder why I take such a hard line. Well, I stared death yes DEATH in the face because of the behaviour and activities of Barclays, Barclaycard and their associated hangers-on and now I will do anything humanly I can do to see others getting proper treatment, their full rights under the law and financial redress for the wrongs they have suffered at the hands of any of these parasites romantically called the "financial sector". And yes pecuniary redress because that is the ONLY language these appalling specimens understand.

regards
Garlok