stuffthebanks' UE diary

[stuffthebanks]

Re: Stuff the banks ue diary

Barclaycard
Started:25/5/2005
Balance:£830
Status:Not in default
Last payment:Feb 2012 £17.00 on plan.

This one has given me a conscience..they have been ok with me,despite one or 2 hic up's.
I have read lots of stuff on Barclaycard...they seem very persistent once you stop paying.....
So here we go anyway......

22/2/12....Niddy confirms account ....Terms template letter to go out on 23/2/12

12/3/12...Letter from Barclays....a whole load of legal jargon...they are standing by the agreement being enforceable...
Not sure how to proceed based on what's in this letter...

8/6/12....At last reply from Barclays.
I sent the terms only received template out to them, after receiving terms and conditions, but no agreement...
The letter they have just sent states they are not obliged to send anything else out to me, what they have sent already is sufficient....They are adamant that this account remains enforceable......

8/6/12..I sent final response template
12/7/12... I sent Reminder of last letter i sent on 8/6/12..along with an addition of reply to my request or p*** off

11/8/12...Received a letter from Barclay's ..it gave me slap on wrist for not making payments..
Threat of passing on to Mercer's, and doorstep visit..
No mention of CCA final response...
I will send the doorstep template along with the final response - CPUTR template...unless anyone can advise differently...


11/9/12...Hello all, hope you are all well and good...
Just had a letter from Mercers saying they are now responsible for the collection,blah,blah,blah....
I had no response from the letter i sent Barclays back in July, it was the cputr template letter.
.

13/10/12....Letter from Mercers...no payment made..blah,blah,immediate action required....Door step threat
I have already sent the CPUTR to Barclays..no response..and i have sent the account sold in dispute template..


17/10/12...Letter today from....POWER TO CONTACT...wow...scary name..
They have contacted me on behalf of Mercers...giving me 72 hours to contact Mercers...otherwise doorstep vist..
This is being filed away and ignored....letters already sent to Mercers yesterday....

8/11/12.. ..
Letter received on 26/10/12 from Barclaycard...they said if i wanted a copy of the original terms and conditions i must send the £1.00.
Well i have already had those, they sent just the terms and conditions in response to my CCA request....
Still no mention of any agreement though...
I just think maybe i should send a follow up letter stating that i have already had the terms and conditions, i just want the agreement.
.
15/11/12..Letter from Mercers....URGENT NOTICE....
Its the usual crap...and they have now passed on to Calders....
I'm ignoring this, and waiting for the next reply......

13/12/12...Another one from Mercers today....i thought they had passed on to Calders....
This latest one from Mercers just rambles on about me not contacting them....They may send an agent to call blah,blah,blah...
I am going to ignore and file this one....i dont care if they send an agent...and i have already responded saying the account is in dispute...i am not wasting another penny on postage....
Hope everyone is ok and keeping warm and safe....

14/1/13....Letter from Mercers today.....Notice of intention to sell my debt...
This account is being returned to Barclay card...
Barclaycard have informed us they intend to sell the debt because we have not been able to set up a repayment plan....
If you want to prevent this debt from being sold...phone today...This is your last chance to arrange repayments with us.....This letter is dated 8/1/13....Which today did they mean
Gordon bennett....i read that from Mercers today and felt sorry for the poor blighters.....WHERE HAVE ALL THE PAY UP OR ELSE THREATS GONE???

4/2/13....Letter from Barclays....Formal demand for payment..
This formal demand is a legal document...

19/2/13....Letter from RMA....??????
My account has now been passed to them for collections...
I presume RMA are just part of Barclay and its all in house collections????
Maybe a one liner...just to keep a paper trail....?????

22/3/13 From RMA they are acting on behalf of Barclaycard....
Letter received today from RMA... Notice of concern....
5/4/13 ....Update on Barclaycard currently being looked after by the wonderful RMA people....

7/6/2013......Its been a while since i had any rubbish through the letter box, but today i have had a letter from Allied Credit saying the account has been passed on by Barclaycard for them to manage.
I guess i send the account in dispute template....
Or alternatively i could send a one line go F*** yourselves...
16/11/13 Letter from Barclaycard saying the lovely peeps from Wescot are now going to play with me until they get bored and f*** off....
Please contact them as a matter of urgency.....
I'm ignoring this and putting in my file named toilet paper....Until i hear from the nice people direct.....


20/11/13.... It didn't take the slime balls long......
Nice red headed letter from Wetcloths, all of the usual crap, please contact us blah,blah,blah.....
Sending them the account sold in dispute letter.
This is the 5th lot to have a go.......

29/11/13 .....Response from Wescot.....We have raised a query on this account, and have gone back to Barclaycard.
16/12/13.....A copy of my agreement has been sent by Wescot....i am sending to nidd's for a quick look to see if the b******* have got it right...

14/2/14....After sending back the missing prescibed template letter back to Wescots on 16/12/13, i have today recieved back a response from Wescot...It says instructions have been received from Barclaycard to withdraw the account, so no further contact from Wescot's.........
27/2/14...Received today letters from Barclaycard saying they have sold account to MKDP and a letter also from MKDP confirming they are now going to hound me....
I will be sending the account sold in dispute template to MKDP i think?

*********UPDATE**********
12/3/14.......Letter received today from MKDP acknowledging receipt of my last letter.
They are unable to process my request for a CCA because i have not paid the £1.00 fee.
If i send £1.00 they will request the info from Barclay's.
I am thinking send them back a short, please read the contents of my last letter and it will explain that i am in dispute because i have already paid the £1.00 but Barclaycard have failed to provide me with all of the documentation requested.
Anyone have any other way to go.
Hope life is treating you all well, and best regards to all...

[MrsD]

Re: Stuff the banks ue diary

yup I would refer them to my last letter and ask them politely to read it before corresponding again.

don't tell them what they've done wrong, let them work it out for themselves

[stuffthebanks]

Re: Stuff the banks ue diary

yup I would refer them to my last letter and ask them politely to read it before corresponding again.

don't tell them what they've done wrong, let them work it out for themselves

Thanks for the reply Mrs D.
Great to have the reassurance that i have infact learnt a little since discovering this safe haven away from the 'enemy'.
Thanks again
Steve

[Enforcer]

Re: Stuff the banks ue diary

I would wait for their reply, I too have an unenforceable Barclaycard agreement with this lot. They are going for the easy pickings. Fight back, they will back off.

[stuffthebanks]

Re: Stuff the banks ue diary

I would wait for their reply, I too have an unenforceable Barclaycard agreement with this lot. They are going for the easy pickings. Fight back, they will back off.

Cheers mate..
They have already dug out the agreement for mine, but it is the prescribed terms and conditions they have not produced yet.
I have decided to send a reply to keep the paper trail going, and all it says is my original request is yet to be addressed.

[Never-In-Doubt]

Re: Stuff the banks ue diary

You've got it steve mate. Keep up the fight

[stuffthebanks]

Re: Stuff the banks ue diary

Cheers Nidd's,
All down to you and the guys on here mate.......

[stuffthebanks]

Re: Stuff the banks ue diary

Barclaycard
Started:25/5/2005
Balance:£830
Status:Not in default
Last payment:Feb 2012 £17.00 on plan.

This one has given me a conscience..they have been ok with me,despite one or 2 hic up's.
I have read lots of stuff on Barclaycard...they seem very persistent once you stop paying.....
So here we go anyway......

22/2/12....Niddy confirms account ....Terms template letter to go out on 23/2/12

12/3/12...Letter from Barclays....a whole load of legal jargon...they are standing by the agreement being enforceable...
Not sure how to proceed based on what's in this letter...

8/6/12....At last reply from Barclays.
I sent the terms only received template out to them, after receiving terms and conditions, but no agreement...
The letter they have just sent states they are not obliged to send anything else out to me, what they have sent already is sufficient....They are adamant that this account remains enforceable......

8/6/12..I sent final response template
12/7/12... I sent Reminder of last letter i sent on 8/6/12..along with an addition of reply to my request or p*** off

11/8/12...Received a letter from Barclay's ..it gave me slap on wrist for not making payments..
Threat of passing on to Mercer's, and doorstep visit..
No mention of CCA final response...
I will send the doorstep template along with the final response - CPUTR template...unless anyone can advise differently...


11/9/12...Hello all, hope you are all well and good...
Just had a letter from Mercers saying they are now responsible for the collection,blah,blah,blah....
I had no response from the letter i sent Barclays back in July, it was the cputr template letter.
.

13/10/12....Letter from Mercers...no payment made..blah,blah,immediate action required....Door step threat
I have already sent the CPUTR to Barclays..no response..and i have sent the account sold in dispute template..


17/10/12...Letter today from....POWER TO CONTACT...wow...scary name..
They have contacted me on behalf of Mercers...giving me 72 hours to contact Mercers...otherwise doorstep vist..
This is being filed away and ignored....letters already sent to Mercers yesterday....

8/11/12.. ..
Letter received on 26/10/12 from Barclaycard...they said if i wanted a copy of the original terms and conditions i must send the £1.00.
Well i have already had those, they sent just the terms and conditions in response to my CCA request....
Still no mention of any agreement though...
I just think maybe i should send a follow up letter stating that i have already had the terms and conditions, i just want the agreement.
.
15/11/12..Letter from Mercers....URGENT NOTICE....
Its the usual crap...and they have now passed on to Calders....
I'm ignoring this, and waiting for the next reply......

13/12/12...Another one from Mercers today....i thought they had passed on to Calders....
This latest one from Mercers just rambles on about me not contacting them....They may send an agent to call blah,blah,blah...
I am going to ignore and file this one....i dont care if they send an agent...and i have already responded saying the account is in dispute...i am not wasting another penny on postage....
Hope everyone is ok and keeping warm and safe....

14/1/13....Letter from Mercers today.....Notice of intention to sell my debt...
This account is being returned to Barclay card...
Barclaycard have informed us they intend to sell the debt because we have not been able to set up a repayment plan....
If you want to prevent this debt from being sold...phone today...This is your last chance to arrange repayments with us.....This letter is dated 8/1/13....Which today did they mean
Gordon bennett....i read that from Mercers today and felt sorry for the poor blighters.....WHERE HAVE ALL THE PAY UP OR ELSE THREATS GONE???

4/2/13....Letter from Barclays....Formal demand for payment..
This formal demand is a legal document...

19/2/13....Letter from RMA....??????
My account has now been passed to them for collections...
I presume RMA are just part of Barclay and its all in house collections????
Maybe a one liner...just to keep a paper trail....?????

22/3/13 From RMA they are acting on behalf of Barclaycard....
Letter received today from RMA... Notice of concern....
5/4/13 ....Update on Barclaycard currently being looked after by the wonderful RMA people....

7/6/2013......Its been a while since i had any rubbish through the letter box, but today i have had a letter from Allied Credit saying the account has been passed on by Barclaycard for them to manage.
I guess i send the account in dispute template....
Or alternatively i could send a one line go F*** yourselves...
16/11/13 Letter from Barclaycard saying the lovely peeps from Wescot are now going to play with me until they get bored and f*** off....
Please contact them as a matter of urgency.....
I'm ignoring this and putting in my file named toilet paper....Until i hear from the nice people direct.....


20/11/13.... It didn't take the slime balls long......
Nice red headed letter from Wetcloths, all of the usual crap, please contact us blah,blah,blah.....
Sending them the account sold in dispute letter.
This is the 5th lot to have a go.......

29/11/13 .....Response from Wescot.....We have raised a query on this account, and have gone back to Barclaycard.
16/12/13.....A copy of my agreement has been sent by Wescot....i am sending to nidd's for a quick look to see if the b******* have got it right...

14/2/14....After sending back the missing prescibed template letter back to Wescots on 16/12/13, i have today recieved back a response from Wescot...It says instructions have been received from Barclaycard to withdraw the account, so no further contact from Wescot's.........
27/2/14...Received today letters from Barclaycard saying they have sold account to MKDP and a letter also from MKDP confirming they are now going to hound me....
I will be sending the account sold in dispute template to MKDP i think?
12/3/14.......Letter received today from MKDP acknowledging receipt of my last letter.
They are unable to process my request for a CCA because i have not paid the £1.00 fee.
If i send £1.00 they will request the info from Barclay's.
I am thinking send them back a short, please read the contents of my last letter and it will explain that i am in dispute because i have already paid the £1.00 but Barclaycard have failed to provide me with all of the documentation requested.
Anyone have any other way to go.

******UPDATE******
17/3/14....Reply back from MKDP today.They have confirmation back from Barclaycard that my section 78 request was fully complied with in 2012.
Now what they sent in 2012 was a whole load of terms that that were not connected directly with my agreement, which was not sent with the terms.
They sent my agreement on its own at the end of 2013.
So a white lie by Barclaycard, because it was not fully complied with in 2012.
Not sure on what to send next, i was thinking another short one along the lines of....Please be aware that Barclaycard are lying tossers, and did not and have not fully complied with my section 78 request.
Anyone got any more sensible and more official ways in which to respond????
Thanks in advance for looking.

[stuffthebanks]

Re: Stuff the banks ue diary

19/3/14.....CCA request sent to MKDP

[stuffthebanks]

Re: Stuff the banks ue diary

Hi all, hope you are doing well and good.
Just to update on MKDP and the account they purchased from Barclay card.
I sent off the CCA request on the 19/3/14, i received today the application form i signed and lots of statements........no terms and conditions......
They added in the letter sent with the paperwork that they will forward on the credit agreement when they receive it from Barclay card...
I think maybe ignore and wait and see what else they send.......
Have a great weekend all......

[MrsD]

Happy days' ue diary

good plan

[stuffthebanks]

Re: Happy days' ue diary

HFC
Flexible loan.
Started: 2003
Defaulted:2011
Balance:£800
Last payment:July 2011
Now paying:Nothing

31/1/12...CCA request sent to HFC.
27/2/12...Account in default letter sent to HFC, as no CCA has been received.
7/3/12.....letter received from HFc advising account in arrears..no mention of my previous letters sent....

I think i may re send the account in default letter,i never recorded the one sent out on 27/2/12,but i did record the CCA request along with £1.00 postal order on 31/1/12....i reckon 2nd class recorded should do it...

14/3/12....Letter received from HFC....They are concerned we have not reached an arrangement for the repayments.

21/3/12....Letter received today from HFC.....FINAL DEMAND...After numerous attempts to resolve account its now being passed onto their litigation dept.

22/3/12...Letter received today from HFC....please be advised your account is now in arrears blah,blah,blah,Account is now being handled by the recoveries section.
We urge you to respond to this letter...
Ignore...still waiting for the CCA....

31/3/12...After sending back copies of the £1.00 postal order and proof of postage i sent out on 31/1/12...i received a letter back today from HFC....They confirm receipt of my letter dated 15/3/12 requesting ......Subject Access Request....??????????

6/4/12...I never responded to the last letter sent.....received from HFC on the 5/4/12 a letter stating all of the things they can do if payments do not resume on account.....while bearing in mind they are still in default of my CCA request, ensures this letter will be filed and ignored...

12/4/12..Oh happy days......Letter received today from HFC..
Its a default notice..dated 11/4/12...not sure on this default lark..but i know i have it in writing from last year..a default notice dated 19/4/11....Do they issue one per year??????
As far as i am concerned i ignore this because they have yet to produce the CCA....

11/5/12...Letter received today...without prejudice....
We write with reference to your account and our earlier correspondence.
Your account remains in arrears...Blah,blah....threats to pass on to solicitor,Charging orders,baliffs etc...

18/5/12...Letter received today on a crappy tatty piece of yellow paper....made me sick just opening the letter...


26/5/12...3 letters today...all the same...from DLRS...They want to offer a reduced amount which could be 60% of the balance...
Then the usual threats....to finish off.....this is your opportunity to resolve this matter,your action will decide the outcome....
Easy this.....ignore....

23/6/12...Letter received today from Restons Solicitors....
They are instructed by HFC to claim immediate payment of the outstanding balance.
We must ask you to pay the sum of £*** direct to this office by Friday July 6th, failing this we have strict instructions to issue a county court summons for the full balance.
We are instructed to seek a judgement against you which will be registered by the court, if obtained.


25/6/12...Niddy special sent to Restons and HFC today via special delivery...

27/6/12.....Well quick response from HFC....Letter received today....but its not my CCA
Its a thank you for your complaint...
A thorough investigation will be conducted into the issues raised.
Your comments are extremely valuable and we are concerned you are unhappy that we have not action ed your request...
At least they might actually attempt to dig something out now regarding the CCA...lets just hope its pants if they do.....
Big thanks to for the excellent special he wrote....

5/7/12... Letter received from HFC today...dated 2/7/12...
They confirm receipt of letter dated 23/7/12 requesting information under section 77/78 of the CCA act..
As previously advised in our letters dated 9/3/12 and 28/3/12, we require the following additional information...
A fee of £1.00....
Proof of ID.- Copy of driving licence or passport, or signed request....
Once received they will respond to our request within the guidelines....

My response i think should contain some reference to the fact that they have had the £1.00 fee,and i have sent photo copies of postal order and proof of postage.....
As far as ID....No way will they get a signature....what about me sending a photo copy of both driving licence and passport, but with the signature obscured.....

19/7/12...Letter received from HFC in response to one of the letters i sent to them recently....
They are investigating my complaint, and they ask for me to be patient as it may take up to 28 days.....
They don't say from which date the 28 days starts from
I still have no CCA....a hunch...but i think they are p****** in the wind with this one.....

7/8/12...Long letter received today from HFC.. its in response to my complaint...the Niddy special sent on 25/6/12..
I will post the full details on the secure area everything legal..under Restons solicitors...
They are basically stating that they have no proof i ever sent the original request for the CCA back in January...no postal order has ever been cashed.
I never sent it recorded delivery, i sent it with a receipt of proof of postage...
They make no mention of the request under cputr..
They still want me to provide a signature for my CCA....
I will let you have a look at the whole letter on the legal area as mentioned, and will update on here later...

8/8/12..The letter HFC sent to me yesterday,which i have copied onto the everything legal section...
Well...to update..today i contacted the number given to me by MM,and they confirmed HFC banked the postal order on 8/3/12...
I have responded today to the pillock at HFC who carried out the investigation,and basically stuck 2 fingers up to me......( Never a good idea that ) a nice factual and very scathing reply to the lying t**** who just got caught...

30/11/12...Hi guys, not sure why but i don't see the secure legal areas on the forum...i was going to update this on my Restons thread....
Anyway..update here now..i had response from the FOS a day or so ago about the complaint relating to HFC.....they are currently investigating.....Surprise, today a letter from HFC...they are saying that there is no proof that i ever sent £1.00 postal order..they have used the considerable resources on hand to HFC and are unable to find any evidence....
They go on to say that they have no letter requesting my CCA.
I wont be responding to this...as far as i see it, they are lying and i have proof, it took 2 mins to get proof from the post office that they cashed my order.......


4/6/13***Update....Well, its been a long time since we heard anything from these clowns....
The Fos complaint came to nothing....i told the1m to bugger off in the end....
But i did receive this letter today...I assume HFC are now part of HSBC????
If so i guess i send nothing for now???

*****Update*****
4/6/14......Well a year to the day and off we go again.......
Letter received today from Moorcroft.
They are taking over collection duties on behalf of HFC......
I have sent account sold in dispute template letter.
Hope you guys are all doing ok, and nice to see Nidd's back from his hard slog in the sunshine....

[Never-In-Doubt]

Re: Happy days' ue diary

and nice to see Nidd's back from his hard slog in the sunshine....

Thanks - not so nice to be back, trust me

[IF]

Re: stuffthebanks' UE diary

Hi, just checking if all is OK?

Best wishes
IF

[stuffthebanks]

Re: stuffthebanks' UE diary

Hi, just checking if all is OK?

Best wishes
IF

Hello Iffy,
Thanks for asking.
Not had any time over the past months, lots going on, not bad stuff, all ok....
As far as the accounts i still have outstanding there has been no contact from any of them.....

I must put some time aside and try to catch up with the forum, i still owe a huge debt of gratitude to all of those that have helped me and so many others.
Hopefully i will also be in a position to make some small donations very soon to the forum.....
Hope Nidd's is still around and with the same sense of humour.....

Cheers again, back again soon

Best wishes to all

Steve