mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

MBNA Credit Card

start : Sept 2004 Correction Sept 1994
bal : £15,000 Now £15,193
last full : Sept 2009
present : not paying
status : default. Copy of original Application. Unenforceable

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 15th
Threatogram from MBNA CCJ, Sheriff Court etc
Feb 4th
Nice letter offering help
March 8th
Threatened default if I didn`t pay
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.
May 7th
Letter informing me a default will register for 6 years. Also offering to consider settling the account at a lower amount. Letter was also confirmation of an impending default and contact from third party if I didn`t accept one of the aforementioned options.
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.
Sept 16th
Home Owner Notification

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 20th
Letter from me to CMC, that went bust, returned, no longer there.
April 15th
HL Legal telling me they had instructions to issue proceeding at County Court.
April 28th
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. and a letter on Experto headed paper undated saying they now owned 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
Sent letter to MBNA re no CCA, telling them the account was in dispute still.
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 28th:
Letter from Experto with a CCA, same one MBNA sent in the SAR I asked them for.
I didn`t send a CCA request to Experto, that went to MBNA as the OC. I also corrected the issue date of the card.

EMAILING NIDDY

Niddy says still

March 30th:
Telephone harassment letter sent to CMC.
April 7th:
Letter from Experto apologising for any distress and inconvenience caused.
April 20th:
Letter received from MBNA re cca and account statements. Telling me to contact Experto for the CCA and statements are £4.00 per copy, they enclosed a list of all transaction. Please call if you require copies of the statements.
May 10th:
Statement of Account from Experto.
June 23rd:
Letter from Credit Management Consultants offering 50% reduction if I agree an instalment plan and make the first payment this month
July 13th:
Letter from Credit Management Consultants.
"We have HUGE sporting events lined up this summer, we have decided to offer you HUGE discounts to match these exciting events." Then goes on to offer 5%, 10%, 30%, 40%, and 50% all available only in July.
July 27th:
Letter from Credit Management Consultants, Final Demand in red scary letters (I`m shaking).They are aware I`m resident at the address, thats good cause they normally write to it. If I don`t arrange to pay they will refer for a doorstep cpllection, refer to their legal partner to progress via litigation. Call now to pay by debit or credit card.
July 28th:
Sent all three letters to CMC (Doorstep collection, account in dispute and threatening action.)
5th August:
Sent another request for all the statements missing from my SAR
9th August:
Another reply re the incomplete SAR. Say they responded to it but they did not send the statements which I asked for in the SAR. tell me to contact Experto who purchased the account for information regarding their response (MBNA) to my section 78 requests. They still want me to pay £4 per copy statement. Want me to call if i still want the statements.
25th August:
Reply from Experto regarding the letters I sent to Credit Management Consultants. Usual crap re the shit they sent complies with s78, I get the feeling they are trying to reset the clock with this one.
30th August:
Another letter from Experto. Final Demand
ffs from their investigations they know I am a resident at the above address, (no chit Sherlock) They want my doorstep again lol they may refer this account to their legal partner to progress via litigation.
31st August:
Both the Scottish doorstep and threat to commence litigation template letters sent back to Experto.
5th Oct:
Letter from Scott+Co from Edinburgh. Unless I settle within ten days, we may be instructed by our client to commence court action. Should a decree be awarded any expenses awarded will be added.
9th Oct:
Account sold in dispute template sent to Scott+Co
11th Oct:
Letter from Experto, This Arrears Notice is served in accordance with Section 86(c) of the Consumer Credit Act 1974
18th Oct:
Letter from Scott+Co in reply to sold in dispute template.
"In view of the contents we have referred this matter to our client and will contact you again once we are in receipt of their advice"

Afternoon Everyone,

short update on the MBNA account, I think this one is just filed and I await the next one.

Many thanks

[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)

Need to check file I think I did send Fred`s a letter re no information.

18th Oct:
Letter from Fred, Letter Before Action, dated 16th giving me 7 days to pay

Hi Folks, latest from Fred, LBA telling me I have 7days to pay now 5 lol As usual telling me I can pay by credit card etc.

I need to check that file as I`m sure I did do a reply to them regarding Nationwide saying they had no record of my CCA request.

I cant check it right now but will update the diary once I have checked.

Do I need to reply to Fred`s latest letter?

TY

[Deepie]

Re: mehim's UE Diary

Hi Folks, latest from Fred, LBA telling me I have 7days to pay now 5 lol As usual telling me I can pay by credit card etc.

I need to check that file as I`m sure I did do a reply to them regarding Nationwide saying they had no record of my CCA request.

I cant check it right now but will update the diary once I have checked.

Do I need to reply to Fred`s latest letter?

TY

I would send this if it were me--------> Threat by Creditor - Threat-o-Gram Letter Before Action

[Mehim]

Re: mehim's UE Diary

Many thanks I2D, I will get that of to them when I get into my paper files.

TY

[Mehim]

Re: mehim's UE Diary

Evening Everyone, I hope we are all well.

Checked the paper file and I had sent Fred`s a one liner regarding my CCA request to Nationwide on the 4th Oct. and have updated the diary.

Will get the Threat by Creditor - Threat-o-Gram Letter Before Action- off to them tomorrow, I would have waited till next week but I`m heading off for a few days.

Many thanks

[vint1954]

Re: mehim's UE Diary

Afternoon Everyone,

short update on the MBNA account, I think this one is just filed and I await the next one.

Many thanks

Indeed, just sit tight until they respond

[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.
19th Oct:
Letter from Barclay saying Credit Solutions are now dealing with this one

Good morning Everyone,

Latest regarding this account. One which Barclay have admitted no CCA and they accept it is .

I was thinking account in dispute template along with a copy of the golden letter from Barclay.

Or possibly I think there is a template regarding no CCA received.

Please advise me what I should be sending.

Many thanks

[Mehim]

Re: mehim's UE Diary

ty Flower

[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.
19th Oct:
Letter from Barclay saying Credit Solutions are now dealing with this one
19th Oct:
CCA Query - Letter Previously Confirming No CCA to Credit Solutions along with Barclay letter admitting no cca

Letter being posted today, I`m off for a few days so want to get it all up to date before I go.

Many thanks for all the help I and everyone else receives from this brilliant forum.

ty

[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.
19th Oct:
Letter from Barclay saying Credit Solutions are now dealing with this one
19th Oct:
CCA Query - Letter Previously Confirming No CCA to Credit Solutions along with Barclay letter admitting no cca
25th Oct:
Letter from Credit Solutions, Formal Demand.

Small update to this diary.

[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

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

Small update to this diary as well

[Mehim]

Re: mehim's UE Diary

Good evening everyone,

back from my wee break to a couple of letters. Both Formal Demands from Credit Solutions, I think I got first blow with them for both accounts as I fired off account in dispute to one and no CCA found for the other.

This probably crossed in the post.

I was thinking, a one liner informing them to read, digest and action both my relevant letters and also including doorstep template as they want to collect it for one account.

Many thanks

[vint1954]

Re: mehim's UE Diary

Small update to this diary.

It's not a letter before action is it Mehim

[ken100464]

Re: mehim's UE Diary

Is it me or am I just too new but do I detect a more aggressive stance coming from the other side of the tracks.

[vint1954]

Re: mehim's UE Diary

Good evening everyone,

back from my wee break to a couple of letters. Both Formal Demands from Credit Solutions, I think I got first blow with them for both accounts as I fired off account in dispute to one and no CCA found for the other.

This probably crossed in the post.

I was thinking, a one liner informing them to read, digest and action both my relevant letters and also including doorstep template as they want to collect it for one account.

Many thanks

So long as they don't mention being letters before action, I would wait to see how they respond to your letters that crossed.