stuffthebanks' UE diary

[stuffthebanks]

Re: Stuff the banks ue diary

Another big thumbs up to the forum and its wealth of fantastic help and guidance...

[stuffthebanks]

Re: Stuff the banks ue diary

Hello all, hope everyone is nice and warm...

22/3/13 *Update* From RMA they are acting on behalf of Barclaycard....
Letter received today from RMA... Notice of concern....
They are no longer in a position where they can allow delays in communication, therefore they must ask that i respond to this letter.

The last letter i sent these jokers was back in February and it was the account sold in dispute....

I'm thinking the final response no cca received template with the telephone harassment template.....that should keep the spotty Herberts busy....

[stuffthebanks]

Re: Stuff the banks ue diary

5/4/13 ....Update on Barclaycard currently being looked after by the wonderful RMA people....
Letter received today from RMA its the doorstep challenge and the presenters will be Scotcall......
I'm sending the doorstep harassment template.
Bonus bit of the letter they sent is that they will not correspond any more before they let Scotty get at me....Y-A-W-N!!!

[vint1954]

Re: Stuff the banks ue diary

Yes, that's the one to send.

[stuffthebanks]

Re: Stuff the banks ue diary

7/6/2013......Update
Barclaycard

Hello all,
Hope everyone is ok and enjoying the slightly better weather, my it does make you want to drink more..
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 the collections.....What collections..i'm not paying

I guess i send the account in dispute template....
Or alternatively i could send a one line go F*** yourselves...

Enjoy the weekend everyone, best wishes as always.....

[ScabHunter]

Re: Stuff the banks ue diary

Enjoy your weekend as well, Steve.

I hate to be a spoilsport, but from the two alternatives given I would actually choose the Sold Whilst In Dispute template. The other one might not endear you to any future judge.

SH

[stuffthebanks]

Re: Stuff the banks 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.
Considering the appropriate course of action..DCA,solicitors etc,etc...
They may consider temporarily suspending payments,or accept reduced payments.

Advice welcome...my thoughts are that i should send a reply reminding them of the failure to respond to my CCA request...

21/3/12....Letter received today from HFC.....FINAL DEMAND...After numerous attempts to resolve account its now being passed onto their litigation dept.
I guess because i am still waiting for my CCA, FOR WHICH THEY ARE IN DEFAULT..i would assume that i ignore this threat letter....or do i????

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....??????????
They do as previously advised need a signature,it can be either a copy of passport or driving license.....
Once they receive that they will respond within the guidelines of 40 days....

Now... dilemma....do i ignore....they are after all so stupid i dont think anything i respond with will register.......
Or do i send them a bugger off and dont contact me again until you send the correct documents i requested back in January?????

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...
Its from a company called Debt litigation and Recovery service,which i guess is short for
They have received instructions from HFC to hound me into the ground for payment...all the usual rubbish...contact them immediately by phone etc....
It does actually sya.."if there is a genuine reason you cannot settle the debt call them....well No CCA from HFC is what i think i should send back to them...

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.

Our client may be prepared to accept payment by instalments...etc,etc,etc,.....
They have also sent an income and expenditure sheet, thats gone straight in the bin...

Now i guess because i have yet to receieve the CCA requested months ago, and in view of this letter i should send the threat o gram letter.....
But i really want to send them a f*** you letter
The letter is full of scare tactics and i want to respond accordingly.......
Advise most welcome......

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 extremly valuable and we are concerned you are unhappy that we have not actioned 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.......
This letter will go off to FOS.......

14/6/13***Update....Well, its been a long time since we heard anything from these clowns....
The Fos complaint came to nothing....i told them 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???
Any advice would be most welcome...

[oscar]

Re: Stuff the banks ue diary

Strange they are telling you now. HFC have been part of the HSBC group for quite some time - since before I started my UE journey with Marbles - which was over three years ago.

[stuffthebanks]

Re: Stuff the banks ue diary

Strange they are telling you now. HFC have been part of the HSBC group for quite some time - since before I started my UE journey with Marbles - which was over three years ago.

Cheers Oscar,
I did think they were all part of the same outfit, but thanks for confirming it for me.
So i will ignore and see what comes next....

[vint1954]

Re: Stuff the banks ue diary

No, just ignore it for now.

[stuffthebanks]

Re: Stuff the banks ue diary

Cheers Vint....

[stuffthebanks]

Re: Stuff the banks ue diary

My goodness Nidd's, wtf!!!!!!!!!!!!!
Not had time to visit for ages, and so much has changed...........
Looks bloody brilliant by the way.....
No news to update thankfully, they are not due the Christmas bonus just yet......
Just thought i would pop on and say hello to everyone and hope you are all doing ok....
Hope to catch up properly over the next few days.

[stuffthebanks]

Re: Stuff the banks ue diary

Helloooooooo all, its been such a long time since i had any updates, i felt very isolated and not wanted....I thought the blood sucking s*** bags had forgotten me...
But hey, its that time of year and the bonuses are due, all the scum suckers need a much bigger turkey than they had last year,and the year before...

Seriously though this is my update!

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...

*******Update ****
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.....

[vint1954]

Re: Stuff the banks ue diary

Indeed, ignore until next contact

[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.....

****Update****
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.......
Hope everyone is keeping warm and well....