mehim's UE Diary

[CleverClogs (RIP)]

Re: mehim's UE Diary

Bloody numpties, cmc is a trading name of experto!!

[CleverClogs (RIP)]

Re: mehim's UE Diary

Strangely enough CMC are calling me again but for some reason my Truecall does not pick up there calls. It never records anything from them, I can find their number, no name and a message to call them but it is never saved for some reason.

Is there some other way you can record their calls?

I did wonder if they're using something to prevent the Truecall from working correctly; if you can record just one of their calls using a different device, Truecall might have a better chance of sorting out that problem.

[Mehim]

Re: mehim's UE Diary

Hi Cleverclogs,

just had one from them on my house phone and mobile. I picked up both but said nothing, neither did they lol, silent calls, wonder if they are gorgeous blonds.

I`ll fire off the telephone harassment template and rattle their cage for them.

TY

[Mehim]

Re: mehim's UE Diary

Hi Folks,

Experto can whistle, Niddy says it is still

TY

[Mehim]

Re: mehim's UE Diary

Morning Everyone,

I am firing off the telephone harassment letter to CMC.

I was also thinking about firing off the sold in dispute to Experto, I would be grateful for some advice regarding the Experto one.

I know they are the same lot but anything to confuse them. MBNA obviously informed them that I has requested a CCA. Am I correct in assuming MBNA are still in default as they have not replied regarding the CCA request but passed it to Experto?

Many thanks.

[Deepie]

Re: mehim's UE Diary

Morning Everyone,

I am firing off the telephone harassment letter to CMC.

I was also thinking about firing off the sold in dispute to Experto, I would be grateful for some advice regarding the Experto one.

I know they are the same lot but anything to confuse them. MBNA obviously informed them that I has requested a CCA. Am I correct in assuming MBNA are still in default as they have not replied regarding the CCA request but passed it to Experto?

Many thanks.

I Would ignore Experto for now see what they do next......

[Mehim]

Re: mehim's UE Diary

Many thanks I2D, saves me some paper.

TY

[CleverClogs (RIP)]

Re: mehim's UE Diary

I would be grateful for some advice regarding the Experto one.

Is the Experto One as innocent as the Birmingham Six?

I know they are the same lot but anything to confuse them. MBNA obviously informed them that I has requested a CCA.

Why assume that?

In my opinion, it might be worthwhile telling Experto that you had made a request pursuant to section 78(1) of the Consumer Credit Act 1974 for documents from Moronic Bunglers of North America and that, as they have not yet deigned to comply, s.78(6) applies and hence the alleged agreement cannot be enforced.

The Sold whilst in dispute letter (link) may help.

[Mehim]

Re: mehim's UE Diary

Hi Cleverclogs,

I wasn`t too clear, I didn`t assume it, they actually said so in the letter,

"We write further to your request for documents from MBNA under Section 78 of the Consumer Credit Act."

Should I still send the sold in dispute letter?

They have been informed before that the account is in dispute, before I was guided to this forum, so it wasn`t the template letter.

TY

[CleverClogs (RIP)]

Re: mehim's UE Diary

I didn`t assume it, they actually said so in the letter,

"We write further to your request for documents from MBNA under Section 78 of the Consumer Credit Act."

Should I still send the sold in dispute letter?

It hardly seems necessary.

[Mehim]

Re: mehim's UE Diary

Evening All,

just a short update.

Had a reply from Barclaycard re my complaint about telephone harassment. lol they are dealing with it.

Also a letter of apology from Nationwide re same as above.

Apart from that, all very quiet.

TY

[CleverClogs (RIP)]

Re: mehim's UE Diary

Had a reply from Barclaycard re my complaint about telephone harassment.

Did they write or did they 'phone you to say that?

[Mehim]

Re: mehim's UE Diary

Hi CC,

they wrote and sent a leaflet explaining their complaints procedure.

Nationwide included a number for me to call if I wanted to chat lol

TY

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000
last full : Present
present : paying
status : Up to Date

dca : None

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 received confirming account closure.
April
Called them asking where the Agreement was that they were sending me.
May 9th
Letter received rabbiting on about s78 request, that they will respond ASAP
May 18th
Copy of Barclaycard T&Cs sent re s78 Request?
May 18th
Recon copy of a Providian National Bank agreement sent re s78 request?
Dec 14th
SAR sent to them

2012

Jan 11th
Uncompleted SAR received.
Jan 16th
Letter to them requesting the missing information from the SAR, re original CCA and all statements among other things. Informed them I will be making a complaint if i do not receive this, also threw Ezias V Welsh Minsters back at them.
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.
March 6th
Letter Acknowledging my request dated 10th Feb. They are dealing with it and will respond asap
March 12th
Late Payment note with statement.
March 19th
Letter reminding me I haven`t paid.
March 21st
Sent Telephone harassment letter
March 29th
Letter informing me they are dealing with my complaint.
April 3rd
Letter from Barclaycard.

RESULT

"We are currently unable to provide a copy of the credit agreement you entered into. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues."

They have suspended the account because of the significant increased risk that I will cease to make payments. LOL I closed the account a year ago and stopped paying it.

Barclaycard say ya beauty

Another result thanks to Niddy, the team and all the helpers on this great forum.

TY

[Mehim]

Re: mehim's UE Diary

Hello Flower,

It does make one wonder, I warned them when I closed all the accounts that I`d be shafting them if I found out any were

Looks like no one at Barclay`s knows what anyone else is doing.

TY