stuffthebanks' UE diary

[stuffthebanks]

Re: Stuff the banks ue diary

oh goody!!!

[stuffthebanks]

Re: Stuff the banks ue diary

21/11/12...Hi all,...Letter from Lowell, they are going back to Shop Direct to request a CCA, and they will respond back within 12 days......This should be fun......

5/12/12...Letter from Lowell.they have contacted Shop Direct to find out where the agreement is...
Shop direct have responded by saying they are looking for the agreement in there archives.....( Good luck on that )
Happy days.....

13/12/12....Another one from Lowell....They are afraid they have not yet received a copy of the credit agreement from Shop Direct...
They are still trying to receive it from their archives...
Some poor sod looking for an agreement that don't exist....
File and ignore.....

[stuffthebanks]

Re: Stuff the banks ue diary

8/11/12.. Late update...
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.
Any other thoughts would be most gratefully received..
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....

[Deepie]

Re: Stuff the banks ue diary

8/11/12.. Late update...
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.
Any other thoughts would be most gratefully received..
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....

Mercers, Calders, Barclays......All the same.

[stuffthebanks]

Re: Stuff the banks ue diary

Mercers, Calders, Barclays......All the same.

Love the avatar deepy... reminds me of how i used to be as a wee lad...
Yes im ignoring the whole shower and wont respond until i get anything that looks official....

[stuffthebanks]

Re: Stuff the banks ue diary

Just to wish you all a very peaceful and enjoyable Christmas and a great Debt collector ass kicking new year...

[stuffthebanks]

Re: Stuff the banks ue diary

Very catalogue

Started : July 2004...Account started back in 2001 as Argos,then changed to Argos Additions,Then Additions and finally to Very...
Original account as Argos back in 2001
Balance:£1804 Now £2500
Last payment:November 2011 £30.00
Now paying:Nothing

Status:No CCA PRODUCED..Account in default
DCA...Lowell

Financial difficulties meant the £120 per month could no longer be met..so....I will try to be as precise as possible..

30/8/11..Arrears collection dept..Account is in arrears.
5/9/11...Letter sent to Very asking for help in reduced payments.
Income and expenditure also sent.
12/9/11..Letter sent to Very..Telephone harassment letter sent.
13/9/11...Letter from Very...Unable to accept my proposals..
16/9/11...Letter from arrears collection dept.
22/9/11..Letter sent to Very..telling them they are being unreasonable.
26/9/11..Letter from arrears collection dept.
28/9/11..Letter from Very...Unable to accept payment proposals
7/10/11..Letter from Very...unable to accept proposals..
7/10/11..Take me to court template letter sent to Very.
10/10/11..Letter to Very...Telephone harassment template sent to Very.
13/10/11...Letter from Very..Acknowledgement of complaint from Very.
18/10/11...Letter sent to Very...Another complaint regarding phone calls and the ignorance in response to our financial situation.
20/10/11...Letter from Very...regarding my recent letter..its all down to the auto dialler...and we need to ring to arrange payment plan...
We did ring..and they would not accept payment offer,and that we could only set up plan through someone that manages a DMP....
10/11/11..CCA and SAR request sent to Very..
24/11/11...Letter from Very...They have agreed a payment plan of £30.00 per month,and interest frozen for 12 months.
5/12/11....CCA default letter sent to Very..
22/12/11...SAR received from Very...
14/1/11..Usual monthly statement received from Very...no charges showing...
4/1/12...Acknowledgement of my putting account into default because of no CCA..
1/2/12...Letter from Very...Further to the letter sent on 4th Jan..investigation continuing and final response by 28th Feb..
17/2/12..Normal statement received....no charges added...but acknowledge a failed payment from January...
21/2/12...Response from very re CCA request.....i have copied it onto the end of this.....i share this with you all to give Niddy a rest.......i dont think its quite what i need to make the debt enforceable....
22/2/12....Niddy...confirms UE...
7/3/12...Letter received.....Under the heading..Re: Request to cancel your credit agreement.
It says they have provided me with a copy of the current credit agreement...a copy of which i put on page 3 0f this thread.
They say it sets out the contractual arrangement that is in place at this time,and includes all applicable contractual variants and amendments that have taken place since the account was opened.
It is clear by ordering and purchasing goods from us,you acknowledge that there is an existing relationship in place.
In the event that you did not believe that there was such a relationship it is unlikely you would have bought and continued to buy goods from us.
The latest case law in relation to the enforceability of credit agreements has made clear that unenforceability does not mean that the rights of the parties under a credit agreement were never acquired or are extinguished.
Failure to make payments will affect my credit rating,blah,blah,blah...

16/3/12....Statement recieved with £12.00 late payment fee added...
Letter received from arrears collection dept...the usual contact us to arrange payment blah,blah,blah..
Ignore???
20/3/12....After receiving 10 phone calls in the past 2 days i am sending the threat of legal action telephone template...along with a copy of my original harassment telephone template sent to them on 11/10/11..see how that sticks.....

29/3/12....Letter received from Very...Thank you for your letter regarding the number of calls you have received,please accept our apologies that you have found it necessary to complain.
All complaints are taken seriously,and we will contact you after a full investigation..... What a pile of horse dung!!

Had a response from both Trading standards today as well as consumer direct....basically acknowledging my complaint,and confirming traders legal obligation regarding harassment...someone will contact me over the next few days if they require any further information.

3/4/12....Letter from the arrears collection dept...Wiped the cats bottom with it and threw it in the bin...

14/4/12...Letter received from arrears collection dept...Despite telling you last month of the arrears on payment plan,i notice you have not brought your plan up to date....
Unless i receive payment immediiately,no choice but to cancel plan and transfer to a DCA........

I reckon ignore and let them pass the account on......

27/4/12....Had 2 phone calls from Very 2 days ago,both within an hour....i emailed them straight away and reminded the idiots that i already have an ongoing complaint regarding telephone harassment under investigation within there company...i thanked them for making the 2 recent calls and that i would add this information together with my file of complaint in readiness to send off to the FOS......no further calls since.....

1/5/12...Letter from arrears dept.....throw letter in bin..ignore...
3/5/12...Letter today from Arrears collection dept.
This is my last chance to talk to them before they pass on account to: Nationwide Debt recovery Ltd.
This is our final demand...please do not ignore it.......
Pointless me sending anything to these morons....i will wait until they get Nationwide involved.....
I'm still waiting to hear from customer services regarding my telephone harassment complaint....

9/5/12...Letter from Nationwide Debt Recovery.....Which means bugger all...they are part of Shop direct...
Make payment within 7 days..Date on letter 3/5/12...Prats...
They will register a default with CRA...which will remain on file for next 6 years...( That's really not going to work as a threat is it?)
If you can repay arrears in next 7 days they will review all default charges and additional interest applied to account...

23/5/12...Letter from NDR...Pre escalation notice....
Going to ignore....

25/5/12...Letter received from Very about the complaint on telephone calls they made....they gave the 24th May as the 8 week time limit......they have said it may take another 2 weeks to investigate my complaint...
Letter along with all the evidence sent off to the FOS today...

13/8/12....Phone call today from the FOS regarding my complaint against Very for excessive phone calls.......
Result...they have upheld my complaint, and awarded £100 compensation......
Now, as happy as i am that Very have had a spanking...they have suggested to FOS that the £100 compensation be used to repay the debt on the account.....now no payment has been made since November 2011...so a payment to the account would obviously reset the 6 year clock.....
I have updated the info the FOS have regarding the reason no payment are being made to Very.....failure to submit an agreement...
Just wondering how i can prevent this compensation being paid off on account?????

9/10/12..Its been very quite on the parasite front...no letters,phone calls...but i knew it wouldn't last for much longer
I really hope you guys are all holding up, and my best wishes to you all...
Today we received a default notice ( served under section 87(1)) from Very.....not sure how to respond, so any advice would be most welcome....

8/11/12..Hi all,needed time off to get life back in order...
Back now, bright eyed and bushy tail....
Letter of assignment today from Lowell and Very..
I am sending the account sold in dispute...

21/11/12...Hi all,...Letter from Lowell, they are going back to Shop Direct to request a CCA, and they will respond back within 12 days......This should be fun......

5/12/12...Letter from Lowell.they have contacted Shop Direct to find out where the agreemnet is...
Shop direct have responded by saying they are looking for the agreement in there archives.....( Good luck on that )
Happy days.....

11/01/13...Well i hope everyone is ok and still fighting the good fight...
Letter received today from Lowell....Shop direct have told Lowell the credit agreement is no longer available because of the length of time since the account was opened...
They are closing the file and will not make any further contact unless a copy of the agreement is found..
And to think i was all for trying to repay this account...it got to this stage because Shop Direct have such a god awful customer service set up, and because of the way they dismissed our repeated requests for help .......
Horrrray for Shop Direct ..........
Thanks everyone for the input on this one during the past months....a little donation showing my appreciation is going to this forum.....thanks once again......

[Undercover Elsa]

Re: Stuff the banks ue diary



Yessss!! Awww that's an excellent result. Well done honey!!

[ScabHunter]

Re: Stuff the banks ue diary

They are closing the file and will not make any further contact unless a copy of the agreement is found..

That is news Steve!

a little donation showing my appreciation is going to this forum.....thanks once again......[/B][/COLOR]

And so is that. I'm sure it will be much appreciated.

I wish you every success with everything else you've got to deal with. We'll all be here to help if you need anything.

SH

[Deepie]

Re: Stuff the banks ue diary

Result...........

[greymatter]

Re: Stuff the banks ue diary

Nice one

[nanna58]

Re: Stuff the banks ue diary

Fantastic well done

[stuffthebanks]

Re: Stuff the banks ue diary

Hey thanks everyone.....
Much appreciated...

[stuffthebanks]

Re: Stuff the banks ue diary

8/11/12.. Late update...
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.
Any other thoughts would be most gratefully received..
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???
Poor little pleaders..
Result in my opinion, sell the debt, at least shrink the value of such debt by 2 3rds, and give the new owner a right good run around....

[Never-In-Doubt]

Re: Stuff the banks ue diary

Very catalogue

Letter received today from Lowell....Shop direct have told Lowell the credit agreement is no longer available because of the length of time since the account was opened...
They are closing the file and will not make any further contact unless a copy of the agreement is found

Keep the faith, we know the system works - you just gotta believe in it

Well done