Re: mehim's UE Diary
Arggggggg, I have registered for the templates but now it wont let me access them
I went to re-register incase I`d done it wrong and it tells me my user name is taken lol
Can anyone help me please?
Ty
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Re: mehim's UE Diary
Evening Everyone,Originally posted by Mehim View PostTesco Credit Card
Start: 2006 corrected to 2003
Balance: £7,500 Now £7965.55
Last Full: 2012
Status: Enforceable but a f*cked up default notice.
DCA: Allied International Credit, now Fredrickson International Limited, now Wescot
2012
Feb 10th:
CCA request letter sent.
Feb 24th: No response to my CCA request. Ignoring till they respond.
March 17th:
Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.
EMAILING NIDDY
March 21st:
2 letters from Tesco,lucky me.
First is telling me they haven`t received a payment. Please contact them.
Second is a default sum notice for £12. That wont be paid either.
Niddy is checking the CCA I got from them regarding this card.
Niddy says
March 27th:
Sent missing pt template letter
March 27th:
Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
April 7th:
Letter telling me I haven`t paid.
April 11th:
Letter wanting me to contact them urgently.
April 19th:
Letter , Notice sent because I am behind with payments.
April 19th:
Letter, Default Sum Notice.
April 20th:
Letter re them complying with s78.
"I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
They do not consider the account to be in dispute.
April 23rd:
Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
April 24th:
Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
May 10th:
Sending them the telephone harassment template letter.
May 25th:
Another Default Sum Notice.
May 25th:
Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
June 14th:
Letter terminating the alleged CCA
July 6th:
Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
July 20th:
Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
31st July:
Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
7th August 2012:
Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
17th August:
Another letter from them.
Further action to recover your debt
Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.
If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.
Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.
2013
27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
29th March:
Account in Dispute and In Writing Only, off to Freds
13th April:
Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
30th April:
Letter to Freds in reply to their one dated 12th April
10th May:
Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
23rd May:
Another letter from Fred`s, ffs they don`t allow much time to respond.
Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
5th June:
Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place, no chit sherlock
27th June:
Latest from Fred`s, despite previous correspondence I have failed (miserably I might say) to discharge this debt with their client.
4th July:
Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
9th Aug:
Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
21st Sept:
Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
26th Sept:
Letter from Tesco informing me that Wescot are now dealing with this .
28th Sept:
Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
4th Oct:
Sent SWID and telephone harassment letter for good measure
10th Oct:
Letter from Wescot, FINAL NOTICE oh dear, Please do not ignore this letter as this could result in further action being taken to recover the debt (alleged)
18th Oct:
Letter from Wescot, Reduced Settlement Offer. to take advantage of this offer phone us. If unable to take up this offer we will consider a realistic repayment plan.
23rd Oct:
We acknowledge that you have raised a dispute on this account. On hold while they investigate.
28th Oct:
We refer to your recent communication. Having contacted our client thay have advised their legal department have confirmed they have not received a request for documentation under the 1974 Consumer Credit Act blah, blah. Account on hold for 21 days to allow me to make a request.
4th Nov:
Couple of lines to Wescot informing them that Tesco informed the last company of blood sucking leeches that they had replied to my CCA request in August 2012. Informed them this was a lie and they disappeared and you, Wescot now appeared. Also informed them I had proof of postage of the request I sent in Feb 2012
21st Nov:
Letter from Wescot acknowledging my letter of the 4th Nov. Contacting their client, may take several weeks and will contact me to advise the outcome.
25th Nov:
Letter from Wescot, Having contacted our client, they have advised that their legal department have not received your section 78 request.
3rd Dec:
Letter to Wescot informing them their client`s legal department seem to be having trouble with their records as I had made a s78 request and had a letter from Tesco acknowledging this.
21st Dec:
Letter from Wescot. "We understand that there may be many reasons why you have not responded to us in relation to this account".
30th Dec:
Letter to them re no contact and telephone harassment included for good measure.
2014
30th Dec 2013:
Letter from Wescot threatening a doorstep visit, again saying I have not been in contact with them.
7th Jan:
Letter to Wescot Re more lies they sent me and included the Scottish doorstep letter just in case they try and steal it.
10th Jan:
Letter from Wescot, reply to mine of 30th dec. confirming all data processed by them is done so in a secure manner. We have removed your phone number as requested and please accept our apologies for any upset this may have caused.
10th Jan:
Second letter from them, again in reply to mine of the 30th Dec. Details have been passed to their Customer Relations team for a full investigation, where applicable all other activity surrounding the relevant file will be suspended until the matter is concluded.
11th Jan:
Another letter from them, re mine of the 7th Jan, "In order for this matter to be investigate we require a copy of your proof of posting, your request for information, along with a copy of the acknowlegement (their spelling) letter you received from Tesco Bank." They gave me 14 days.
30th Jan:
Letter from them, wow almost three pages.They are acting in good faith on the info supplied by Tesco.
6th Feb:
Letter to them with copy of CCA my request dated 10th Feb 2012
17th Feb:
Letter from Wescot acknowledging mine of the 6th I think, and that I have raised a dispute with the OC. They aren`t going to speak to me till this is investigated.
19th Feb:
Letter from Tesco Bank, they want a correct signature to allow them to continue with my request for information.
22nd Feb:
Letter from Wescot, account on hold till they contact their client, will be in touch.
22nd Mar:
Letter from Wescot thanking me for my patience and confirming that they are waiting further information from their client.
7th may :
Letter from Wescot thanking me for my recent contact regarding the account. We acknowledge that you have raised a dispute etc. Will contact me to advise of any outcome.
12th May:
Letter from Wescot refering to my recent communication where I raised a dispute?? Account on hold till they get more info.
Another letter from Wescot, don`t think they know what they are actually doing.
Another for the ignore file I think.
Many thanks for all the aid freely given to everyone who finds this brilliant site.
TYLeave a comment:
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Re: mehim's UE Diary
Hi again, letter from Raven recoveries wanting all my dosh.Originally posted by Mehim View PostNo 4 Barclaycard Credit Card
start : Sept 2004 bal : £2,400 Now £2484
last full : 2012
present : Not paying
status : Unenforceable
DCA : None, Mercers, Resolve Call, Calder, NCO, RMA, MKPD, MKRR, MKPD, MKRR, Raven Recoveries
2011
March 29th:
BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.
March 29th:
Letter acknowledging that they had closed the accounts.
April:
Called them asking where the Agreement was that they were sending me.
May 6th:
Letter received with Barclaycard T&Cs
May 6th:
Same day as above. Letter with a recon Barclaycard agreement.
May 13th:
Letter sent account in dispute.
May 19th:
Letter received explaining why I was wrong regarding s78?
Dec 14th:
Letter sent telling them why they were wrong re timescales. Also sent a SAR
Dec 15th:
Letter from them stating they sent me a final response in May, acknowledged the SAR and pointed out the parts of s78 that had been repealed. Tried to intimidate me with "Carey"
2012
Jan 11th:
Uncomplete SAR received.
Jan 16th:
Letter sent asking for the missing information, original signed agreement, statements etc. Threw Ezsias v Welsh Ministers and said I would be making a complaint if I didn`t get the information.
Jan 20th:
Letter from them "Further to your recent request for information under the Data Protection Act of 1998, please find enclosed a copy of your original application" This copy actually has a stamp top right and included in that is a different card number from the one I had.
Jan 25th:
Letter sent asking for the missing information again, informed them it is my final request for them to comply fully with my SAR or I`m complaining to everyone I can.
Feb 8th:
Account in dispute letter sent.
EMAILING NIDDY
Feb 10th:
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th:
No response to my CCA request. Ignoring till they respond.Niddy says
Feb 26th:
Letter from B/card with a recon copy agreement.
EMAILING NIDDY
Niddy says STILL
March 1st:
Another set of t&cs from Barclaycard, cant be the original t&c as the default charge is £12.00
March 16th:
Letter letting me know I didn`t pay this one. I knew that. Also threatening ROSO, they will have a hard time unless they use one of the other Barclay cards to pay it.
March 21st:
Sent Telephone harassment letter.
March 29th:
Letter informing me they are dealing with my complaint.
April 27th:
Letter saying they are still looking into my complaint. They will get in touch by 27th May.
April 27th:
Letter about my complaint, apologising for all the calls and they have removed all present and previous numbers from their records.
May 25th:
Letter from Mercers, asking for payment. Niddy deemed this also a default notice.
June 12th:
Letter from Resolvecall, threatening a doorstep visit. They did visit when I was away. Fuckwit also called today, I told him this was in dispute with Barclaycard and if he or anyone else came to my door again, I was just calling the police.
June 12th:
Letter to Mercers, account in dispute.
June 15th:
Letter from Mercers re doorstep visit.
July 5th:
Sent Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief.
July 24th:
Letter thanking me for contacting them complaining. Think it is in reply to my last one sent on the 5th.
9th August:
Letter from Calder Financial, As I have failed to contact Mercers, (lol eejits I have the letter and proof of postage) They want paid within 7 days.
11th August: Doorstep letter to Calder along with a copy of the letter to Mercer`s 12th June. Told them to read it and not be telling porkies about me not contacting Mercer.
4th Oct:
Letter from Barclay. Formal demand for payment and notifying me that they intend to file a default at the credit reference agencies.
26th Oct:
Letter from Risk Management Alternatives (RMA), This account has been passed to them, usual crap, want to arrange a payment plan to avoid further action. May also instruct Scotcall to visit me.
31st Oct:
Letter from Barclay informing me this has been passed to RMA.
31st Oct:
Reply to RMA, account in dispute and Scottish doorstep letter.
17th November:
Letter from NCO? Looks like they are replying for RMA. "We are in receipt of your recent correspondence relating to the above reference. This matter is being investigated and a detailed response will be provided to you once the investigation is complete."
6th Dec:
Letter from NCO (RMA) Final response, going to resume collection activities. lol, if any further questions please do not hesitate to contact me using the details below.
10th Dec:
CCA Query - Creditor Refusal to Accept UE Status posted off to NCO.
17th Dec: Letter to NCO (RMA) re numerous calls to my mobile despite them saying in their letter received on the 6th that they would only contact me in writing as requested.
2013
5th March:
Letter informing me that this account was assigned and transferred by Barclaycard to MKPD LLP late February.
16th March:
Letter from MKRR Further to out recent communication regarding transfer of ownership, well that`s a lie to start with lol.
18th March:
Letter to MKRR, Account in Dispute, Telephone Harassment and doorstep threat.
29th march:
Another letter from MKRR. "Regardless of our attempts to contact you by telephone and letter we still have not received your offer of payment"
29th March:
Letter to them informing them I did write enclosing proof of postage and their signature for receiving it.
4th April:
Letter from MKRR re my letter of 18th I think? Thanking me for taking the time to write, nice, They are unable to resolve the query at this time and will liaise with the OC and get back to me no later than 8 weeks.
5th May:
Another letter from MKDP apologising for the delay in getting information to me. Very similar to the last one.
11th June:
Another letter from MKDP apologising for the delay.
18th July:
Another letter from MKPD again apologising for the delay.
22nd Aug:
Another letter from MKPD again apologising for the delay.
26th Sept:
Another letter from MKPD again apologising for the delay.
1st Nov:
Letter from MKDP enclosing a recon from Barclaycard. Dated 10th June 2013, (Which I never received) Was also a final response from MKDP
15th Nov:
Final Notice from MKRR, As you have not taken up their offer of help, no option but to refer to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation blah blah.
20th Nov:
Threat to commence litigation letter sent.
7th Dec:
Letter from MKPD, Unable to resolve my query. going to conduct a full review and get back to me.
2014
8th Jan:
Letter from MKDP "I write further to our letter of acknowledgement we sent regarding the above account. At this time we must apologise, as we are still unable to resolve your query.
22nd Jan:
Letter from MKDP, They refer me to their final response letter sent Oct 2013 and as their complaints procedure are exhausted, they are unable to enter into any further correspondence regarding this matter.
7th Feb:
Letter from Keynes Collections "Notice of Intended Legal Action" As you have failed to respond to previous correspondence or agree to a payment plan we have been instructed by MKDP LLP to collect the oustanding balance in accordance with your agreement. Lot more on it as well.
10th Feb:
Sent Letter before action letter to Keynes.
12th Feb:
Telephone harassment and in writing only letter sent to Keynes
22nd Feb
Latest from MKDP in reply to my letter to Keynes.
"I understand you have requested further documentation in regards to the Practise-Pre-Action Conduct. You have stated in your correspondence that MKDP LLP have failed to comply with your request under s77; therefore, the account is unenforceable.
I can confirm we have previously supplied you with Statements of Account and a Reconstituted Copy of your Credit Agreement. Your request for a copy of your credit agreement made under s77 of the Consumer Credit Act 1974. Please find below an extract from para 2.17 of Guidance issued by the OFT on s77/78/79 of the Consumer Credit Act 1974. (Usual Bumph then re Carey). Accordingly, the creditor`s duty under s77 has been satisfied and you remain Liable for the above balances in full.
In regards to the further documentation you have required, I can confirm we have requested this from the original creditor and this will be forwarded to you upon receipt. Further to this, you have requested communications between ourselves and the creditor, I must advise we are not obliged to provide you with this documentation" Number to call if I require anything further.
26th Feb:
Letter from MKDP, Further to my request for further documents, they are unable to fulfil my request. Will get back to me once they receive them
27th Feb:
Letter from MKDP re mine regarding telephone harassment.They don`t consider all the call harassment but have removed my number and all communications will be in writing from now on.
4th Mar:
Letter from MKDP enclosing the notice of assignment from B/card dated 28th Feb 2013. Informing me further to my recent communication.
As verified in the enclosed Notice of Assignment, your account has been assigned to MKDP LLP to manage your account. MKDP LLP are now the legal owners of the account and therefore there is no liability towards Barclaycard. Once the account has been settled your credit file will be updated accordingly.
31st Mar:
Reminder off to Keynes Collections regarding the info asked for in reply to their LBA
3rd Apr:
Letter from MKDP, apologising but they are still trying to get info from B/card
18th April:
Letter from MKPD with a so called copy of the default notice received.
18th April:
Letter from MKPD enclosing a copy of their letter dated 20th March. Citing Carey, reconstituted agreement etc.
8th May:
Letter from raven recoveries, wanting the full amount paid.
SWID will be winging it`s way over to the next desk.
Many thanks for all the help i get from this brilliant site.
TYLeave a comment:
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Re: mehim's UE Diary
Afternoon All,Originally posted by Mehim View PostTesco Credit Card
Start: 2006 corrected to 2003
Balance: £7,500 Now £7965.55
Last Full: 2012
Status: Enforceable but a f*cked up default notice.
DCA: Allied International Credit, now Fredrickson International Limited, now Wescot
2012
Feb 10th:
CCA request letter sent.
Feb 24th: No response to my CCA request. Ignoring till they respond.
March 17th:
Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.
EMAILING NIDDY
March 21st:
2 letters from Tesco,lucky me.
First is telling me they haven`t received a payment. Please contact them.
Second is a default sum notice for £12. That wont be paid either.
Niddy is checking the CCA I got from them regarding this card.
Niddy says
March 27th:
Sent missing pt template letter
March 27th:
Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
April 7th:
Letter telling me I haven`t paid.
April 11th:
Letter wanting me to contact them urgently.
April 19th:
Letter , Notice sent because I am behind with payments.
April 19th:
Letter, Default Sum Notice.
April 20th:
Letter re them complying with s78.
"I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
They do not consider the account to be in dispute.
April 23rd:
Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
April 24th:
Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
May 10th:
Sending them the telephone harassment template letter.
May 25th:
Another Default Sum Notice.
May 25th:
Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
June 14th:
Letter terminating the alleged CCA
July 6th:
Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
July 20th:
Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
31st July:
Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
7th August 2012:
Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
17th August:
Another letter from them.
Further action to recover your debt
Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.
If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.
Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.
2013
27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
29th March:
Account in Dispute and In Writing Only, off to Freds
13th April:
Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
30th April:
Letter to Freds in reply to their one dated 12th April
10th May:
Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
23rd May:
Another letter from Fred`s, ffs they don`t allow much time to respond.
Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
5th June:
Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place, no chit sherlock
27th June:
Latest from Fred`s, despite previous correspondence I have failed (miserably I might say) to discharge this debt with their client.
4th July:
Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
9th Aug:
Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
21st Sept:
Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
26th Sept:
Letter from Tesco informing me that Wescot are now dealing with this .
28th Sept:
Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
4th Oct:
Sent SWID and telephone harassment letter for good measure
10th Oct:
Letter from Wescot, FINAL NOTICE oh dear, Please do not ignore this letter as this could result in further action being taken to recover the debt (alleged)
18th Oct:
Letter from Wescot, Reduced Settlement Offer. to take advantage of this offer phone us. If unable to take up this offer we will consider a realistic repayment plan.
23rd Oct:
We acknowledge that you have raised a dispute on this account. On hold while they investigate.
28th Oct:
We refer to your recent communication. Having contacted our client thay have advised their legal department have confirmed they have not received a request for documentation under the 1974 Consumer Credit Act blah, blah. Account on hold for 21 days to allow me to make a request.
4th Nov:
Couple of lines to Wescot informing them that Tesco informed the last company of blood sucking leeches that they had replied to my CCA request in August 2012. Informed them this was a lie and they disappeared and you, Wescot now appeared. Also informed them I had proof of postage of the request I sent in Feb 2012
21st Nov:
Letter from Wescot acknowledging my letter of the 4th Nov. Contacting their client, may take several weeks and will contact me to advise the outcome.
25th Nov:
Letter from Wescot, Having contacted our client, they have advised that their legal department have not received your section 78 request.
3rd Dec:
Letter to Wescot informing them their client`s legal department seem to be having trouble with their records as I had made a s78 request and had a letter from Tesco acknowledging this.
21st Dec:
Letter from Wescot. "We understand that there may be many reasons why you have not responded to us in relation to this account".
30th Dec:
Letter to them re no contact and telephone harassment included for good measure.
2014
30th Dec 2013:
Letter from Wescot threatening a doorstep visit, again saying I have not been in contact with them.
7th Jan:
Letter to Wescot Re more lies they sent me and included the Scottish doorstep letter just in case they try and steal it.
10th Jan:
Letter from Wescot, reply to mine of 30th dec. confirming all data processed by them is done so in a secure manner. We have removed your phone number as requested and please accept our apologies for any upset this may have caused.
10th Jan:
Second letter from them, again in reply to mine of the 30th Dec. Details have been passed to their Customer Relations team for a full investigation, where applicable all other activity surrounding the relevant file will be suspended until the matter is concluded.
11th Jan:
Another letter from them, re mine of the 7th Jan, "In order for this matter to be investigate we require a copy of your proof of posting, your request for information, along with a copy of the acknowlegement (their spelling) letter you received from Tesco Bank." They gave me 14 days.
30th Jan:
Letter from them, wow almost three pages.They are acting in good faith on the info supplied by Tesco.
6th Feb:
Letter to them with copy of CCA my request dated 10th Feb 2012
17th Feb:
Letter from Wescot acknowledging mine of the 6th I think, and that I have raised a dispute with the OC. They aren`t going to speak to me till this is investigated.
19th Feb:
Letter from Tesco Bank, they want a correct signature to allow them to continue with my request for information.
22nd Feb:
Letter from Wescot, account on hold till they contact their client, will be in touch.
22nd Mar:
Letter from Wescot thanking me for my patience and confirming that they are waiting further information from their client.
7th may :
Letter from Wescot thanking me for my recent contact regarding the account. We acknowledge that you have raised a dispute etc. Will contact me to advise of any outcome.
Latest regarding tesco. Another letter from Wescot saying it`s on hold till they get the info from their client.
Filed under ignore.
Many thanks for all the help received.Leave a comment:
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Re: mehim's UE Diary
Afternoon All,
Any guidence regard post 729 please.
TYLeave a comment:
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Re: mehim's UE Diary
Back lol,
got one from Aktiv regarding my OH`s with them.
They are upset I have never replied to their letter sent in March. Strange bit in it, "In order for us to conclude the queries raised we do need to hear from you as requested."
I will check with Niddy regarding this one.
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Re: mehim's UE Diary
Evening everyone, hope you are all enjoying the good weather this easter for a change.
Latest from MKDP applying to B/card nos 2 and 4
31st Mar:
Reminder off to Keynes Collections regarding the info asked for in reply to their LBA
18th April:
Letter from MKPD with a so called copy of the default notice received.
18th April:
Letter from MKPD enclosing a copy of their letter dated 20th March. Citing Carey, reconstituted agreement etc.
The default notice for both aren`t actual copies of the ones I receieved from B/card, different font and some other small printing differencies as well.
Do I need to reply to these latest epistiles?
Many thanks for all the help freely given from this site.
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Re: mehim's UE Diary
Don't worry. They no longer even write to me.Leave a comment:
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Re: mehim's UE Diary
Afternoon everyone,
Latest from MKDP regarding B/card no 4. Another apology as they are waiting for them to supply info.
Filed under ignore
Hope everyone is bearing up.
All the bestLeave a comment:
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Re: mehim's UE Diary
My pleasure boss.
What I`v done for them is,
I refer to my letter dated------ regarding the above alleged debt which was in reply to your spurious Letter Before Action, copy of the letter enclosed.
I note to date I have only received a copy of the NOA.
I would be grateful is someone in your company would action the rest of my requests forthwith.
I enclosed a copy of the reply to their LBA with the change to the section.
Many thanks for all the help received.Leave a comment:
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Re: mehim's UE Diary
Yea do it, why not......
Thanks for the very generous donation
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Re: mehim's UE Diary
Afternoon folks,
Opps see from another thread I should have changed s77 to s78 for my answer to the so called LBA`s from Keynes Collections.
They only sent back the NOA nothing else in reply to these.
I was thinking I will request the rest of the information and enclose a copy of the LBA reply with the correction in it.
I also have a SWID to send to Raven Recoveries who ar part of the same mob, I`m inclined to also include to them a copy of the corrected LBA answer to give them something more to think about.
All suggestions gratefully received
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