mehim's UE Diary

[Deepie]

Re: mehim's UE Diary

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

TY

Great result............

[IF]

Re: mehim's UE Diary

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

TY

Love good news me Upwards and onwards now TY :

[angelsoxx]

Re: mehim's UE Diary

This forum is my happy place

[stuffthebanks]

Re: mehim's UE Diary

Nice early Easter prezzie Mehim.......

[CleverClogs (RIP)]

Re: mehim's UE Diary

WHOOOO HOOO!

...and the said 'state of affairs' is likely to continue forever, isn't it?

Looking at the above, sounds like they haven't got a clue!

Nor, would it seem, do they have any idea whence to buy or hire a set of clues.

[CleverClogs (RIP)]

Re: mehim's UE Diary

Nice early Easter prezzie Mehim.......

And relatively non-fattening.

[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

April 5th
Letter from them with a set of Barclaycard t&c`s, nice of them considering they say it is

Afternoon All.
Well they do not talk to each other.

TY

[Mehim]

Re: mehim's UE Diary

MBNA/Virgin Credit Card

start : Aug 2004
bal : £6,000
last full : Sept 2009
present : not paying
status : default. Copy of original Application

dca : Experto Credite, Claim Management Consultants

2009

Feb 25th
I contacted a Claims Management Company.
Mar 15th
I agreed to sign up for 3 cards.
Mar
Letter from CMC advising me claim was going ahead and not to sign anything from MBNA, to pass all correspondence from MBNA to them ASAP
May 26th
Letter from CMC saying nothing had been received from MBNA. They wrote telling them it was unenforceable as MBNA had not complied within the time limit. Told me I could stop paying but would get loads of hassle. I kept paying meantime.
Loads of calls from MBNA which I stonewalled referring them to the CMC
Aug 26th
Letter from solicitors acting on behalf of the CMC informing me that they would be writing to MBNA asking for the account to be cancelled, if not they would be raising a court action.
Oct 1st
Letter from CMC saying they had the paperwork from MBNA and the agreement was unenforceable. Again said I could stop paying it but I would get loads of hassle and they would default me. I stopped paying.

2010

Loads of call which I was happy dealing with.
Jan 11th
Threatened Default Notification.
Feb 2nd
Threatogram from MBNA CCJ, Sheriff Court etc.
Feb 4th
Nice letter offering help.
March 8th
Threatened default if I didn`t pay.
April 3rd
Notice of sum in arrears.
April 8th
Letter informing me that this would soon be written off as a bad debt and a default registered against me.
April 15th
Another letter (it is not too late to stop this happening). Threatened default and recovery action. Also calls offering discount.
June 4th
Default notice sent on the 4th, remedy date 22nd. On or after this date account will be terminated (Account actually sold to Experto 16th June). Got this from uncompleted SAR response from MBNA at a later date.
June 30th
Experto Credite appeared 30th June with a letter saying Varde Investments (Ireland) Ltd were now the legal owners. Asked me to call them.
July 15th
Experto offered to negotiate a favourable discounted settlement figure.
Aug 18th
Letter from Experto. We want your money.

2011

Jan 21st
HL Legal for experto 7 days to pay or else.
March 29th
Panic Stations Letter from accountancy firm informing me that the CMC dealing with this for me had gone down the tubes.
March 30th
letter to Accountants asking for my money back was ignored. Solicitor had already advised me there was no money.
April 13th
Bigger panic Letter from solicitors acting for the CMC, basically saying as there was no longer an indemnity , they could not advise me to go to court.
April 15th
HL Legal telling me they had instructions to issue proceeding at County Court.
April 20th
letter from me to CMC acting for me, returned, no longer there.
April 25th:
Experto threatogram re doorstep visit.
I wrote to them advising what the CMC solicitor had said regarding winning in court.
May 5th
Experto wrote saying they would check with MBNA regarding my dispute.
May 10th
Took stock, decided after reading all the bumph from MBNA and friends that if they were so sure of their facts, they would have taken action 2 years ago. Decided to fight on.
July 5th
Experto wrote saying MBNA confirms that there is no dispute.
Aug 18th:
Sent SAR to MBNA asking for original agreement, statements and a lot more.
Aug 23rd
Letter from MBNA saying they were unable to locate the account, asked me for DOB etc.
Aug 30th
I replied giving some information to MBNA, also asked why they didn`t know who I was as all their mail came to the same address.
Aug 25th
Experto wrote regarding the SAR I sent MBNA informing me that they, Experto did not have the original agreement.
Aug 26th
Another threatened doorstep visit.
Aug 31st:
Letter to Experto re unavailable data.
Sep 8th
I must have mentioned a notice of assignment (never received).
Got one from Experto on MBNA headed paper undated.an a letter on Experto headed paper undated saying they now owned the account.
Sept 27th
Letter from Experto saying Varde Investments (Ireland) Ltd own the account.
Sept 27th
Uncompleted SAR sent from Experto.
Oct 14th
Credit Management Consultants wrote saying the account had been escalated to them. Threatened doorstep visit.
Oct 23rd
I wrote to Credit Management telling them the account was in dispute.
Oct 25th
Uncompleted SAR received from MBNA.
I wrote informing them there was no signed copy of an agreement only a signed application form. Threw Ezsias v Welsh Ministers (2007) at them.
Nov 2nd
Disk with all calls to and from Experto.
Nov 2nd
Letter to CMC Account in dispute.
Nov 2nd
Letter to MBNA re missing items from SAR
Nov 9th
Experto replied to the above letter, Asking for my proposals re payment.
Nov 16th
Replied to Experto informing them still no original CCA.
Nov 18th
another letter from Experto apologising for their numpties telling me the agreement(which they don`t have) was enforceable when only a court could decide this.
Nov 30th
More threats from my new friend Credit Management Consultants. re Bailiff`s warrant, Attachment of earnings, Charging Order.

2012

Jan:
Experto called once and said in the convo that they didn`t know who Credit Management Consultants were. They mentioned a letter sent in December which I never got. They said they would now send it recorded delivery, I am still waiting.
Jan 31st
Further letter to MBNA re SAR
Feb
Still no further response from MBNA, I warned them I will be making a complaint to all the relevant authorities.
That is it to date.

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

March 12th:
Letter from Akitiv Kapital. They have bought the account from Experto. I can clear the balance by paying with a card etc. lol
March 13th:
Letter sent to Aktiv, Account sold while in dispute.
March 20th:
Letter from Aktiv, account on hold till they get the information from the OC
April 5th:
Letter from Aktiv enclosing a copy of an application form and other pages.
Same copy that was received from MBNA and Experto, both included in partial SAR information. MBNA are still ignoring my CCA request sent February 10th this year.

Afternoon All,

Do I need to resend the Application form to NIDDY?

Do I also ignore Aktiv as MBNA still in default?

TY

[Deepie]

Re: mehim's UE Diary

I Would just ignore for now see what they send next........

[Mehim]

Re: mehim's UE Diary

Hi I2D, many thanks for the speedy response. Both the MBNA ones seem to have woken up, Experto is back on the other. MBNA is in default on that one too.

TY

[Mehim]

Re: mehim's UE Diary

MBNA/Virgin Credit Card

start : Aug 2004
bal : £6,000
last full : Sept 2009
present : not paying
status : default. Copy of original Application

dca : Experto Credite, Claim Management Consultants

2009

Feb 25th
I contacted a Claims Management Company.
Mar 15th
I agreed to sign up for 3 cards.
Mar
Letter from CMC advising me claim was going ahead and not to sign anything from MBNA, to pass all correspondence from MBNA to them ASAP
May 26th
Letter from CMC saying nothing had been received from MBNA. They wrote telling them it was unenforceable as MBNA had not complied within the time limit. Told me I could stop paying but would get loads of hassle. I kept paying meantime.
Loads of calls from MBNA which I stonewalled referring them to the CMC
Aug 26th
Letter from solicitors acting on behalf of the CMC informing me that they would be writing to MBNA asking for the account to be cancelled, if not they would be raising a court action.
Oct 1st
Letter from CMC saying they had the paperwork from MBNA and the agreement was unenforceable. Again said I could stop paying it but I would get loads of hassle and they would default me. I stopped paying.

2010

Loads of call which I was happy dealing with.
Jan 11th
Threatened Default Notification.
Feb 2nd
Threatogram from MBNA CCJ, Sheriff Court etc.
Feb 4th
Nice letter offering help.
March 8th
Threatened default if I didn`t pay.
April 3rd
Notice of sum in arrears.
April 8th
Letter informing me that this would soon be written off as a bad debt and a default registered against me.
April 15th
Another letter (it is not too late to stop this happening). Threatened default and recovery action. Also calls offering discount.
June 4th
Default notice sent on the 4th, remedy date 22nd. On or after this date account will be terminated (Account actually sold to Experto 16th June). Got this from uncompleted SAR response from MBNA at a later date.
June 30th
Experto Credite appeared 30th June with a letter saying Varde Investments (Ireland) Ltd were now the legal owners. Asked me to call them.
July 15th
Experto offered to negotiate a favourable discounted settlement figure.
Aug 18th
Letter from Experto. We want your money.

2011

Jan 21st
HL Legal for experto 7 days to pay or else.
March 29th
Panic Stations Letter from accountancy firm informing me that the CMC dealing with this for me had gone down the tubes.
March 30th
letter to Accountants asking for my money back was ignored. Solicitor had already advised me there was no money.
April 13th
Bigger panic Letter from solicitors acting for the CMC, basically saying as there was no longer an indemnity , they could not advise me to go to court.
April 15th
HL Legal telling me they had instructions to issue proceeding at County Court.
April 20th
letter from me to CMC acting for me, returned, no longer there.
April 25th:
Experto threatogram re doorstep visit.
I wrote to them advising what the CMC solicitor had said regarding winning in court.
May 5th
Experto wrote saying they would check with MBNA regarding my dispute.
May 10th
Took stock, decided after reading all the bumph from MBNA and friends that if they were so sure of their facts, they would have taken action 2 years ago. Decided to fight on.
July 5th
Experto wrote saying MBNA confirms that there is no dispute.
Aug 18th:
Sent SAR to MBNA asking for original agreement, statements and a lot more.
Aug 23rd
Letter from MBNA saying they were unable to locate the account, asked me for DOB etc.
Aug 30th
I replied giving some information to MBNA, also asked why they didn`t know who I was as all their mail came to the same address.
Aug 25th
Experto wrote regarding the SAR I sent MBNA informing me that they, Experto did not have the original agreement.
Aug 26th
Another threatened doorstep visit.
Aug 31st:
Letter to Experto re unavailable data.
Sep 8th
I must have mentioned a notice of assignment (never received).
Got one from Experto on MBNA headed paper undated.an a letter on Experto headed paper undated saying they now owned the account.
Sept 27th
Letter from Experto saying Varde Investments (Ireland) Ltd own the account.
Sept 27th
Uncompleted SAR sent from Experto.
Oct 14th
Credit Management Consultants wrote saying the account had been escalated to them. Threatened doorstep visit.
Oct 23rd
I wrote to Credit Management telling them the account was in dispute.
Oct 25th
Uncompleted SAR received from MBNA.
I wrote informing them there was no signed copy of an agreement only a signed application form. Threw Ezsias v Welsh Ministers (2007) at them.
Nov 2nd
Disk with all calls to and from Experto.
Nov 2nd
Letter to CMC Account in dispute.
Nov 2nd
Letter to MBNA re missing items from SAR
Nov 9th
Experto replied to the above letter, Asking for my proposals re payment.
Nov 16th
Replied to Experto informing them still no original CCA.
Nov 18th
another letter from Experto apologising for their numpties telling me the agreement(which they don`t have) was enforceable when only a court could decide this.
Nov 30th
More threats from my new friend Credit Management Consultants. re Bailiff`s warrant, Attachment of earnings, Charging Order.

2012

Jan:
Experto called once and said in the convo that they didn`t know who Credit Management Consultants were. They mentioned a letter sent in December which I never got. They said they would now send it recorded delivery, I am still waiting.
Jan 31st
Further letter to MBNA re SAR
Feb
Still no further response from MBNA, I warned them I will be making a complaint to all the relevant authorities.
That is it to date.

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

March 12th:
Letter from Akitiv Kapital. They have bought the account from Experto. I can clear the balance by paying with a card etc. lol
March 13th:
Letter sent to Aktiv, Account sold while in dispute.
March 20th:
Letter from Aktiv, account on hold till they get the information from the OC
April 5th:
Letter from Aktiv enclosing a copy of an application form and other pages.
Same copy that was received from MBNA and Experto, both included in partial SAR information. MBNA are still ignoring my CCA request sent February 10th this year.
April 6th:
Letter from Aktiv.
"Aktiv Kapital Portfolio AS, Zug Branch Limited purchased the account from Varde Investments (Ireland) Ltd.
We are Aktiv Kapital (UK) Limited and on behalf of the above we have requested Experto Credite to continue contacting you."

They also say I can clear the balance by several methods, one being by card payment.
I assume I just ignore this crap as well.

Morning all
Hmm seems this lot haven`t a clue like the rest.

Anything I should do, or just ignore this as well.

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

April 5th
Letter from them with a set of Barclaycard t&c`s, nice of them considering they say it is
April 6th
Another letter from them, saying they have enclosed the information I asked for. Nothing enclosed lol, and no idea which account they mean or what I am supposed to have asked for.

Morning All,

I think they need some help at Barclaycard!! They have lost the plot.

TY

[Deepie]

Re: mehim's UE Diary

Morning all
Hmm seems this lot haven`t a clue like the rest.

Anything I should do, or just ignore this as well.

TY

I Would send this----------> CCA Query - Application Form Received

[Deepie]

Re: mehim's UE Diary

Morning All,

I think they need some help at Barclaycard!! They have lost the plot.

TY

they certainly do............

[CleverClogs (RIP)]

Re: mehim's UE Diary

I think they need some help at Barclaycard!! They have lost the plot.

Quem Deus vult perdere, dementat prius.