mehim's UE Diary

[vint1954]

Re: mehim's UE Diary

You have agin written to me regarding a doorstep visit, from an agent working on behalf if you and I again formally write to advise that any visits will be followed up to the full extent of the law; for instance a formal report to the OFT followed up by a Police complaint for your repeated trespass, which if breached again will result in my seeking an Injunctive Relief Order from the courts. This means any additional visits would be classed as a criminal offence (contempt of court) and would be subject to fines and/or custodial sentencing.

You will need to change the opening parragraph.

[vint1954]

Re: mehim's UE Diary

If I remember correctly, Mehim is in Scotland. The trespass laws are different up there, he must have sent a Scottish version of the doorstep threat letter.

Good point FP. Did Elsa's letter get posted anywhere.

[Mehim]

Re: mehim's UE Diary

Hi Folks,

yes I did send them the Scottish doorstep letter. I`m not too sure if there is a follow up one utilising Scots law.

I`m not too worried if they do visit, the only one who did apologised to me saying he was just doing as he was told. I was a foot taller than him though lol

[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.

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."

Goog morning,

Latest regarding the Tesco card.

Not too sure what it actually means and with what I should respond.

Many thanks

[Deepie]

Re: mehim's UE Diary

Goog morning,

Latest regarding the Tesco card.

Not too sure what it actually means and with what I should respond.

Many thanks

I would send this---------> Account Sold whilst in Dispute

[Mehim]

Re: mehim's UE Diary

Morning I2D,
I thought it would be that one but wasn`t 100% sure.

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.

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

Morning All,

Account sold in dispute sent of to give AIC some light reading.

Many thanks

[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.

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.

Evening all,

The farce continues, not only did AIC not read my letter (account in dispute), they sent me 2 different letters in the same envelope telling me different information regarding this card.

The one telling me to contact Tesco is referring to a bank account ffs

I`m just ignoring the two of these letters, unless adviced otherwise.

Many thanks

[Mehim]

Re: mehim's UE Diary

Hi Flower,

They responded to my letter as they included a copy of it back to me. It was attached to the one referring to a bank account.

Cheers.

[Mehim]

Re: mehim's UE Diary

Nationwide Credit Card

start : May 2004
bal : £8,000 now £10,400, NOW £9443 Now £9445.46
last full : 2012
present :Not paying
status : Unenforceable
dca : None, Now KPR, Now Fredrickson

2011

Dec 14th
Sent SAR to Nationewide.

2012

Jan 5th
Received a reply, same time asking me what I was actually looking for. Ignored that one.
Jan 26th
Received letter telling me to pick up the SAR contents from the local branch as they couldn`t compare my signature with their records.
Jan 26th
Collected incomplete SAR from local branch. Copy of an application form, no agreement.
Jan 31st
Sent a letter complaining about the uncompleted SAR and requesting the missing information.
Feb 3rd
Letter from nationwide in reply to me asking for a copy of the original CCA and the missing statements.
"You have made reference to a signed original CCA, I am afraid I am uncertain as to what exactly you are referring to. The Consumer Credit Act (CCA) is an act of parliament and while all credit agreements are regulated by this, it is not a separate document Nationwide hold and therefore not classed as personal data that we would be in a position to provide.
In respect of missing statements, Nationwide only hold copies of statements for a period of 6 years and therefore regret that we have no additional statements that we are able to provide."
Feb 8th
Reply sent re numpties letter from Nationwide. Also letter to chief exec making a complaint.

EMAILING NIDDY

Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me.
Feb 14th
Reply from Chief Exec`s office re Numpties letter. Apologies but not a lot of anything else. Copy of the application form sent on it`s own yet again. Still waiting for a reply to the CCA request.
Feb 16th
Letter from NW re CCA request, will send to Niddy for his expert eye to look it over.

EMAILIN NIDDY

Niddy says and still

March 8th:
Letter re late Payment. Opps they noticed I didn`t pay it.
March 17th
Letter re late payment.
March 21st:
Sent telephone harassment letter
March 28th:
Letter apologising for all the calls
April 14th:
Letter from them, Notice of Sums in Arrears. They recommend that I contact them to discuss matters. To make an immediate payment by card call the number given.
April 18th:
Letter received,

Collectors have been instructed to recover the debt you owe.

We have now instructed our collectors to visit your home and collect the amount outstanding and to discuss your financial situation. If you do not pay you will be served with a default notice. Ways to pay on the back of letter.
First one is Card Payment.
April 18th:
Sent doorstep collection threat template letter.
April 25th:
Letter received with Default Notice
May 4th:
Letter with a Statement of Means form, wanting me to fill it in and return so they can assess my financial situation.
May 16th:
Final Demand, if I don`t contact them they will instruct KPR Debt Collectors to recover outstanding amount, they may do a doorstep visit and instruct solicitors to take legal action.
May 27th:
Letter from KPR, Final Notice hmmmmm, This is our final letter before legal action commences, as you have ignored previous letters regarding the outstanding sum
June 12th:
Letter to KPR Threat by Creditor Threat-o-gram LBA
June 14th:
Notice of sum in arrears received.
June 27th:
Undated letter from Nationwide informing me that Fredrickson Internation Ltd will now be carrying out the management of this account.
July 4th:
Letter from Fred`s. we want your money. "Payment can be accepted by debit card, credit card or cheque."
July 5th:
Sent "Account in Dispute" to Fred
13th August:
Letter from Freds saying account is on hold while they await instructions from the OC
2nd Oct:
Letter from Fred`s.They referred matter to client who confirmed that they do not hold a record of a documentation request made to them (Oh yes they do)

Morning All,

Latest from Freds. Nationwide say they have no record of me sending a CCA request. Opps, I have a copy and proof of posting, hell I even have their reply which Niddy said was still
They also say , if I require further copies of documentation I must request this from their client direct.
Any suggestions on my next move would be most welcome.

TY

[MrsD]

Re: mehim's UE Diary

I would do a one liner asking them to read carefully your previous letter, cos it actually tells them that you asked for a CCA. dumplings

[Mehim]

Re: mehim's UE Diary

No 4 Barclaycard Credit Card

start : Sept 2004
bal : £2,400
last full : 2012
present : Not paying
status : Unenforceable

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 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.

Afternoon Everyone,

Latest from Barclay., they are also again threatening a doorstep visit and the use of ROSO, good luck to them is all I can say. I am of a mind to ignore this crap, I have already sent the doorstep template and the injunctive relief.

Thanks for all the help and support.

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000 Now £3007
last full : 2012
present : Not paying
status : Barclaycard admit Unenforceable

dca : Mercers

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.
April 14th
Letter (FFS) Reducing my credit limit, also telling me I cant use the card till it is up to date in payments. I closed the account in March 2011
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, pillocks. Asking for payment on a card that Barclays have admitted is Also a default notice.
May 27th:
Letter from Resolve, threatening a doorstep visit. They did visit when I was away. Fuckwit also called today, I told him this was already resolved as Barclaycard had admitted no agreement and if he or anyone else came to my door again, I was just calling the police.
June 12th:
Letter to Mercers with a copy of the letter stating this is from Barclaycard
June 12th:
Letter to Resolvecall with a copy of Barclay`s letter and a leave my doorstep alone letter.
June 13th:
Letter from Mercers ffs wanting paid lol
June 14th:
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.
14th August:
Same letter from Calder as Barclaycard Nos 2 & 4
Also another from Barclaycard saying they are still looking into my complaint.
Doorstep letter to Calder along with my last one to Mercer and a copy of Barclaycard`s admitting
Final Response - UE (No CCA Received) to Barclaycard hopefully to put this to sleep
21st August:
Letter from Barclaycard, re my letter to Resolvecall on 12th June. They tell me that a final response was sent to me on 6th July (not to me it wasn`t). They also mention a response to my comments under s127 and ask me to disregard this "as it was input in to our correspondence in error" . This latest and the copy of the final response both confirm no CCA
25th August:
Another from B/card re doorstep visit from Resolvecall. Apologising for the upset and inconvenience their contact may have caused. They confirm that Resolvecall are currently not dealing with my accounts.
12th Sept:
Another letter from Calders with the same as last time.
4th Oct:
Letter from Barclay. Formal demand for payment and notifying me that they intend to file a default at the credit reference agencies.

Hi Again Folks,

Same letter from Barclay as the previous account. This one they admitted they cannot enforce lol.

TY

[Mehim]

Re: mehim's UE Diary

Hello Flower,

I got a default notice from Mercers regarding Barclay accounts 1 and 4 in May 2012. I have never checked my credit with any of the credit reference agencies so I have no idea what is recorded there.

The only accounts they can use to pay are Barclaycard Credit cards and as these are all not being paid they must be real sorry that they bought over all them other companies.

TY

[Mehim]

Re: mehim's UE Diary

Nationwide Account,

Update re posts 430 and 431 from Mrs D. Letter done for Freds, ready for posting tomorrow, telling them I have the proof of posting and a signature for it being delivered. Suggested that they contact their client with this information.

ty