mehim's UE Diary

[Deepie]

Re: mehim's UE Diary

Morning All,

any pointers regarding the above account.

Should i send copies of the LBA`s to Niddy for his input?

Many thanks.

Sorry this got missed...

Have a look here---> Letter before action letter

Just edit to suit

[Pixie]

Re: mehim's UE Diary

I would send this ---> http://forums.all-about-debt.co.uk/s...-action-letter

I have a feeling it was originally written in response to an LBA from Keynes but I can't remember which thread.

[Mehim]

Re: mehim's UE Diary

Morning All,

any pointers regarding the above account.

Should i send copies of the LBA`s to Niddy for his input?

Many thanks.

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

start : Before 2005, Unsure when
bal : £4,000 Now £4700
last full : 2012
present : Not paying
status : Unenforceable
dca : Mercers, Calders, Credit Solutions, MKRR, MKPD, MKRR

2011

March 29th
March 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 11th
Letter received rabbiting on about s78 request, that they will respond ASAP
Dec 14th
I sent account in dispute as they never got back to me.
Dec 20th
Letter from them apologising and thanking me for allowing them to respond.

2012

Jan 11th
Letter from them rabbiting on about s78 and T&C for MDSW card.
Jan 11th
Same date another letter with T&C for a Barclay Credit Card.
Jan 16th
Sent a reply asking them where I had asked anything under s78, also sent in a SAR
Feb 2nd
Received an incomplete SAR, no original agreement, (Recon one included)
No statements.
Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th
Reply regarding CCA request. Wrong original application form sent to me, name etc belongs to someone in Sheffield.
Feb 24th
Wrong response to my CCA request. Ignoring till they respond.
March 8th:
Letter with a recon agreement. Blank sheet with the previous person`s name and address top left. Box with right to cancel further down and a set of MDSW T&Cs. Late fee is £15.00, I am not sure if this was the late fee when I started the card, think it was probably £25.00
March 8th:
Letter same day with a copy of Barclaycard T&Cs
March 17th
Late payment note with statement.
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, wanting paid. This is also a default notice.
June 12th:
Letter to Mercers, No CCA received.
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.
13th August:
Letter from Calder blah, blah, blah
13th August
Doorstep letter to Calder along with a copy of the letter to Mercer`s June. Told them to read it and not be telling porkies about me not contacting Mercer. Also said to ask the guy along the corridor why he was telling lies about me
12th Sept:
Another letter from Calder saying I`ve not been in touch with Mercers.
13th Oct:
Letter from Barclay informing me that the account has now been passed to Credit Solutions Ltd to manage the collection of the balance.
16th Oct:
Account in dispute template letter sent to Credit Solutions
17/18 Oct:
Letter from Credit Solutions, Formal Demand
8th Nov:
Response to the Account in Dispute Template letter.

"In your letter you state the account is currently in dispute as they have failed to comply with your request under the Consumer Credit Act 1974. I can confirm that according to the notes on our system prior to receiving your above mentioned letter we have not received any request from you under the Consumer Credit Act 1972, however you may have sent this to our client.
In order for us to raise your dispute with our client we require more information regarding your request.
We need to clarify the following:-
Whether you have or have NOT received any documentation from the client since your request was made
Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)"
12th Nov:
Letter to Credit Solutions.

"I write in reference to your recent letter dated 6th November 2012 and note the content.
I can confirm that this account is formally in dispute with Barclaycard and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974)."

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
15th April:
Letter from MKDP (that`s different always been MKRR in the past.)informing me that they are unable to fulfil my request!! What request I ask myself.
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 MKPD again 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.
7th Sept:
Letter from MKPD. Further to your recent communication (that would be in March), please find enclosed documents you have requested.
Reconstituted credit agreement enclosed.
We request you contact us, gees yer dosh.
26th Sept
Another letter from MKPD again apologising for the delay ??!!!
26th Oct:
Another letter with 3 random Barclaycard statements from July, Aug, Sept 2012
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 send
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, Final response, I have six months to go to FOS if I`m not happy.
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 outstanding balance in accordance with your agreement. Lot more on it as well

Morning All,

latest from Keynes Collections, letter headed LBA for B/card no 2 & 4.
Do I need to show it here? I think it is the same as quite a few have received recently.

Not sure what happened to the 6 months I had to go to the FOS lol.

I don't think B/card No 2 should be a problem as they have always sent another persons agreement and details with my address.

Not too sure what to do with the other one or indeed both of them.

Many thanks in advance for any pointers given.

TY

[Mehim]

Re: mehim's UE Diary

Hi Vint,

Done as suggested, a short note with a copy of my CCA request from Feb 2012.

I also told them to go back to their client for any further information unless either they or Tesco wished to pay me a salary to keep their records in better order for them.

Many thanks for all the help received from the site.

Keep up the good work.

TY

[vint1954]

Re: mehim's UE Diary

I would just send a one liner, referring to their letter and enclose a copy of your CCA request only. Let them dig for other correspondence.

[Mehim]

Re: mehim's UE Diary

Tesco 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.

Morning fellow fighters,

Latest from Wescot

1) Tesco still say I never made a s78 request.
2) They act in good faith on the info supplied by Tesco.
3) They note I am unhappy at the response received from Wescot to my letter of 30th Dec, As we do not keep copies of correspondence received they would like me to send them a copy.
4) can I forward a copy of my s78 request and proof of posting.
5) complaint dealt with, got to FOS if I`m no happy lol

I`ll send some of the info they require and sit back and await the next load of crap.

Many thanks for all the help I have received along with all the other members of this magical site.

ty

[Deepie]

Re: mehim's UE Diary

Hi Folks,

Same day slightly different chit from MKDP.

They sent me a final response to this one inOct last year.

Anything I need to send them come 20th April this year.

Many thanks.

Sunday, April 20
Easter Sunday 2014

Nice little Easter egg...?

[Mehim]

Re: mehim's UE Diary

No 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

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.

Hi Folks,

Same day slightly different chit from MKDP.

They sent me a final response to this one inOct last year.

Anything I need to send them come 20th April this year.

Many thanks.

[SaltnVinegar]

Re: mehim's UE Diary

Afternoon Everyone,
Latest fro MKDP, they sent me a final response informing me they are right, I am wrong lol. I have six months to go to the FOS.

Anything I should be responding with in five months 28 days time?

Many thanks for all the help I have been given on this fantastic site.

TY

Sounds like you have them by the short and curlies to me!

[Deepie]

Re: mehim's UE Diary

Afternoon Everyone,
Latest fro MKDP, they sent me a final response informing me they are right, I am wrong lol. I have six months to go to the FOS.

Anything I should be responding with in five months 28 days time?

Many thanks for all the help I have been given on this fantastic site.

TY

I'd file and wait and see what they do next if anything........

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

start : Before 2005, Unsure when
bal : £4,000 Now £4700
last full : 2012
present : Not paying
status : Unenforceable
dca : Mercers, Calders, Credit Solutions, MKRR, MKPD, MKRR

2011

March 29th
March 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 11th
Letter received rabbiting on about s78 request, that they will respond ASAP
Dec 14th
I sent account in dispute as they never got back to me.
Dec 20th
Letter from them apologising and thanking me for allowing them to respond.

2012

Jan 11th
Letter from them rabbiting on about s78 and T&C for MDSW card.
Jan 11th
Same date another letter with T&C for a Barclay Credit Card.
Jan 16th
Sent a reply asking them where I had asked anything under s78, also sent in a SAR
Feb 2nd
Received an incomplete SAR, no original agreement, (Recon one included)
No statements.
Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th
Reply regarding CCA request. Wrong original application form sent to me, name etc belongs to someone in Sheffield.
Feb 24th
Wrong response to my CCA request. Ignoring till they respond.
March 8th:
Letter with a recon agreement. Blank sheet with the previous person`s name and address top left. Box with right to cancel further down and a set of MDSW T&Cs. Late fee is £15.00, I am not sure if this was the late fee when I started the card, think it was probably £25.00
March 8th:
Letter same day with a copy of Barclaycard T&Cs
March 17th
Late payment note with statement.
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, wanting paid. This is also a default notice.
June 12th:
Letter to Mercers, No CCA received.
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.
13th August:
Letter from Calder blah, blah, blah
13th August
Doorstep letter to Calder along with a copy of the letter to Mercer`s June. Told them to read it and not be telling porkies about me not contacting Mercer. Also said to ask the guy along the corridor why he was telling lies about me
12th Sept:
Another letter from Calder saying I`ve not been in touch with Mercers.
13th Oct:
Letter from Barclay informing me that the account has now been passed to Credit Solutions Ltd to manage the collection of the balance.
16th Oct:
Account in dispute template letter sent to Credit Solutions
17/18 Oct:
Letter from Credit Solutions, Formal Demand
8th Nov:
Response to the Account in Dispute Template letter.

"In your letter you state the account is currently in dispute as they have failed to comply with your request under the Consumer Credit Act 1974. I can confirm that according to the notes on our system prior to receiving your above mentioned letter we have not received any request from you under the Consumer Credit Act 1972, however you may have sent this to our client.
In order for us to raise your dispute with our client we require more information regarding your request.
We need to clarify the following:-
Whether you have or have NOT received any documentation from the client since your request was made
Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)"
12th Nov:
Letter to Credit Solutions.

"I write in reference to your recent letter dated 6th November 2012 and note the content.
I can confirm that this account is formally in dispute with Barclaycard and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974)."

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
15th April:
Letter from MKDP (that`s different always been MKRR in the past.)informing me that they are unable to fulfil my request!! What request I ask myself.
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 MKPD again 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.
7th Sept:
Letter from MKPD. Further to your recent communication (that would be in March), please find enclosed documents you have requested.
Reconstituted credit agreement enclosed.
We request you contact us, gees yer dosh.
26th Sept
Another letter from MKPD again apologising for the delay ??!!!
26th Oct:
Another letter with 3 random Barclaycard statements from July, Aug, Sept 2012
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 send
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, Final response, I have six months to go to FOS if I`m not happy.

Afternoon Everyone,
Latest fro MKDP, they sent me a final response informing me they are right, I am wrong lol. I have six months to go to the FOS.

Anything I should be responding with in five months 28 days time?

Many thanks for all the help I have been given on this fantastic site.

TY

[MrsD]

Re: mehim's UE Diary

I'd ignore that one for now Mehim, it's the usual administrative chaos, I'd wait and see what comes next

[Mehim]

Re: mehim's UE Diary

Tesco 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.

Morning All,

Latest from Wescot, so much for things being suspended till the complaint is investigated. lol

This is in reply to my letter of the 7th jan, I`m tempted to send back a copy of the Customer Relations Associate`s letter to this other eejit and also point out to her that I`m not on Tesco Bank`s payroll, so wont be doing their or her work for them. I can include the proof of posting and tell her to get the rest from Tesco.

Any other suggestions gratefully received.

Many thanks for all the aid in this protracted saga.

TY

[Mehim]

Re: mehim's UE Diary

Tesco 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.

Good morning fellow fighters,

Latest from Wescot, two letters in reply to mine of the 30th Dec.

First was an apology and removal of my phone number (again), second was it being referred to their Customers Relations team regarding my complaint. All activity suspended till they come back with a whitewash lol.

Both filed and awaited the next one

Many thanks for all the help freely given to myself and all others who use this fantastic site.

Ty