mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Hi Vint,

No they aren`t.

The Monument one is an IMPORTANT NOTICE telling me continued non payment could result in more direct methods of recovery including a debt collector calling or a county court claim being issued against me with all that entails.

They haven`t complied with my CCA request, well they did but sent me someone`s agreement from Sheffield.

The MDSW one is a FORMAL DEMAND warning me about ROSO, a doorstep visit or the account being sold. This one Barclays have admitted .

[Mehim]

Re: mehim's UE Diary

OK Vint,

will wait for their response to them letters. This lot are a new DCA for the accounts, Mercers, Calders and Freds have all been seen off.

TY

[vint1954]

Re: mehim's UE Diary

OK Vint,

will wait for their response to them letters. This lot are a new DCA for the accounts, Mercers, Calders and Freds have all been seen off.

TY

It can be a long road Mehim. Probaby many more before they get bored.

Just be ready with the doorstep threat letter, if they push that one again.

[Mehim]

Re: mehim's UE Diary

TY, I was pretty worried about it all till I was directed to this site. Now i just chill and relax about it all and enjoy the games with them.

This place is a godsend to everyone who does find their way here by whatever means.

[vint1954]

Re: mehim's UE Diary

TY, I was pretty worried about it all till I was directed to this site. Now i just chill and relax about it all and enjoy the games with them.

This place is a godsend to everyone who does find their way here by whatever means.

We have all been there Mehim

[vint1954]

Re: mehim's UE Diary

Normally, when you first hear from a brand new DCA for the account in question, you'd send the account in dispute letter ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute to inform them of the ongoing dispute, otherwise they wouldn't know about it as the OC wouldn't pass that info on to them

Of course if you've already sent it, there's no need to send again.

AID letters already sent

[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

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.

Afternoon All,

new DCA on this one, I think I should be sending Account in dispute and the Scottish doorstep letter.

Please advise me if I am incorrect with this.

Thank you for all the help and support.

[Deepie]

Re: mehim's UE Diary

Afternoon All,

new DCA on this one, I think I should be sending Account in dispute and the Scottish doorstep letter.

Please advise me if I am incorrect with this.

Thank you for all the help and support.

That's the one I would send.........

[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)
4th Oct:
One liner to Fred`s suggesting they contact their client as I have proof of postage and a signature accepting my request for the CCA
18th Oct:
Letter from Fred, Letter Before Action, dated 16th giving me 7 days to pay
19th Oct:
Sent to Fred`s Threat by Creditor - Threat-o-Gram Letter Before Action
26th Oct:
Letter from Freds,

"We write further to your letter dated 19th October 2012, the content of which has been noted.
We confirm that we are acting on the instructions of our client who believes the outstanding balance is lawfully due to them. We confirm that we are acting in good faith and all our actions have been lawful. We and our client deny harassment ans any such claim will be vigorously defended and you are put to strict proof of such serious allegations.
We refer to our letter dated 1 October 2012, and reiterate that our client has no record of receiving a request for the documents under sections 77-79 of the Consumer Credit Act 1974 from you, Please provide us with evidence of your request together with evidence that the statutory fee was cashed.
In the event that a section 77-79 request has not in fact been or is unaccounted for please submit.resubmit your request to our client direct.
We look forward to hearing from you with confirmation of your position within 14 days. Please note should we not hear from you within this time collection activity may resume."

Hello again,

Latest from Freds regarding this.

I can copy the CCA request along with proof of posting and their signature for it and tell Freds to go see them. I don`t feel I need to do another request for this if i have the proof.

Please let me know what I should be doing.

TY

[Mehim]

Re: mehim's UE Diary

That's the one I would send.........

Ty I2D, will send ioff next week sometime

[Deepie]

Re: mehim's UE Diary

Hello again,

Latest from Freds regarding this.

I can copy the CCA request along with proof of posting and their signature for it and tell Freds to go see them. I don`t feel I need to do another request for this if i have the proof.

Please let me know what I should be doing.

TY

or do a one liner saying CCA request was made on xx/xx/xxxx

[Mehim]

Re: mehim's UE Diary

Hi I2D,

I have already done that before the threat of legal action reply.

I can easily copy the relevant info and tell them to whistle regarding making another request. Nationwide must be forgetting I also wrote to the boss regarding the shitty letter I got back regarding my original request.

They have actually sent me it twice, which Niddy said was . Silly tits.
TY

[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)
4th Oct:
One liner to Fred`s suggesting they contact their client as I have proof of postage and a signature accepting my request for the CCA
18th Oct:
Letter from Fred, Letter Before Action, dated 16th giving me 7 days to pay
19th Oct:
Sent to Fred`s Threat by Creditor - Threat-o-Gram Letter Before Action
26th Oct:
Letter from Freds,

"We write further to your letter dated 19th October 2012, the content of which has been noted.
We confirm that we are acting on the instructions of our client who believes the outstanding balance is lawfully due to them. We confirm that we are acting in good faith and all our actions have been lawful. We and our client deny harassment ans any such claim will be vigorously defended and you are put to strict proof of such serious allegations.
We refer to our letter dated 1 October 2012, and reiterate that our client has no record of receiving a request for the documents under sections 77-79 of the Consumer Credit Act 1974 from you, Please provide us with evidence of your request together with evidence that the statutory fee was cashed.
In the event that a section 77-79 request has not in fact been or is unaccounted for please submit.resubmit your request to our client direct.
We look forward to hearing from you with confirmation of your position within 14 days. Please note should we not hear from you within this time collection activity may resume."
31st Oct:
Letter to Freds, included copy of original CCA request, proof of posting and their acceptance of same. Also informed them I`d be invoicing them for £18.00 a letter for any more unnecessary ones I needed to send to them

Morning Everyone,

Update on Nationwide, I replied to Freds, these companies make me laugh now. Nationwide, sent me a CCA in my partial SAR, the reply I got from the chief exec`s lackey and one in reply to my original CCA request yet Nationwide still say they never received the request.

The mind boggles

TY

[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

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.

Hi Again,

Latest on Barclay No 4

Got a letter from them informing me RMA are on the case, bit late as they have already written to me and I got a call from them last night. Poor lad eventually hung up on me after 10 mins or so off going round in circles with me.

Also replied to RMA with account in dispute and doorstep visit.

Thank all you wonderful folks for all the help and support I and many others are receiving from this fantastic site.

TY

[The Tech Clerk]

Re: mehim's UE Diary

RMA run off very quick when challenged, MBNA use to use them as 1st stop DCA