mehim's UE Diary

[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

[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.

[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

Then this is the one you need Mehim.

Our Templates | Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief

[Mehim]

Re: mehim's UE Diary

Hi Vint,
yes they are threatening to visit again with both cards.

I have the doorstep letter standing by and I have informed Barclays that I`m just calling the police if anyone does turn cops.

TY

[vint1954]

Re: mehim's UE Diary

Hello Folks,

same crap from Calders as their last letter, again threatening to visit.

Do I ignore or sent the doorstep collection template again?

TY

Not unless they ar threatening a visit again

[Mehim]

Re: mehim's UE Diary

Evening All

That`s everything updated and none need replies in my opinion but please correct me if I`m wrong on anything.

TY

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000
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.

Hello Again,

same letter from Calder as before. This one Barclays have admitted is .

Many thanks.

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

start : Before 2005, Unsure when
bal : £4,000 Now £4640.05
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.

Hello Folks,

same crap from Calders as their last letter, again threatening to visit.

Do I ignore or sent the doorstep collection template again?

TY

[Mehim]

Re: mehim's UE Diary

Hi Niddy,

many thanks for all the help you give me and everyone else on here.

[Mehim]

Re: mehim's UE Diary

Mehim OH Card

Type : MBNA Credit Card
Start : Nov 1995
Bal : £14,500.00
Last Full : 2012
Present : Not Paying
Status : Enforceable Now

April 16th:
CCA request sent.
May 4th:
CCA received.

E Mailing Niddy

May 5th:
One for the record book, a 1995 MBNA agreement that is
Now I am having to explain why hers is enforceable and mine aren`t.
May 9th:
Missing PT`s letter sent.

E Mailing Niddy
May 13th:
Ya Beauty, Niddy says wrong terms.
June 22nd:
Letter saying this hasn`t been paid, Been a few calls too but I just tell them "in writing only" and hang up
July 12th:
Letter with Notice of Sum in Arrears
July 12th:
Letter thanking me for one sent 9th May Missing PT`s. saying the documents supplied do comply (not according to the boss hehe) They are satisfied it is kosher and will administer it as normal. They want the OH`s money. Forgot to say that they say they state "We can also confirm that we have not provided you with a reconstituted copy"
July 13th:
Letter re card is in arrears. One comment in this one is "If you do not have a debit card that allows you to make an online or telephone payment, you can use one of the other payment methods detailed in your monthly statement" One of which is pay by credit card.
July 19th:
Letter saying OH is in breach of agreement and a decision has been taken to restrict the account.
July 27th:
Letter from MBNA saying 2 missed payments so they are registering this with the credit reference agencies. They still want money.
10th August:
Both Telephone harassment and the new Scottish doorstep collection letters sent
15th August:
3 letters from MBNA sending copies of the last 4 months statements
17th August:
Letter informing OH she is 3 months in arrears.
21st August:
Letter from MBNA saying they are currently investigating the complaint, re calls I think. Keven called twice yesterday and twice was told to F*ck Off as I told lies lol
8th Sept:
Letter asking me to contact them as they would like to offer assistance to prevent the termination of the agreement
12th Sept:
Notice of sum in arrears, no Office of fair Trading Information sheet included which they say is.
12th Sept:
Letter apologising for the delay in responding to my complaint re telephone calls. They will issue a response by 8th October 2012
14th Sept:
LOL Final response letter responding to the telephone calls complaint. They also ask for income/expenditure information.

Hi Folks,

Updated this one as well, last 3 letters received are all being ignored. Many thanks.

[Never-In-Doubt]

Re: mehim's UE Diary

Yep see what they say 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.

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

Hi Folks, I`ve been away and then busy reading everyone`s diaries. Just updating mine now.

Tesco have been in touch again, giving me one final opportunity to make an acceptable offer of repayment. I think this one just gets ignored. They still haven`t answered the missing pt`s letter I sent.

Many thanks.

[Mehim]

Re: mehim's UE Diary

Morning Everyone,

Updated the MBNA diary,

Both the Scottish doorstep and threat to commence litigation letters sent back to Experto.

Many thanks

[Never-In-Doubt]

Re: mehim's UE Diary

Hi Niddy,
ty for the reply.

MBNA have never actually sent me a final response as such. They just fob me off with their replies now telling me to get the info from EXperto who have told me in the past that they don`t have all the information. I was also very new at this stuff and didn`t know what to do unless I was led by the hand.

Experto have sent me another letter which I`ll update into my diary.

TY

As its +6 months from complaint it's dead now. You can re-request the info and if they mess up you could then tie it all in but not really worth it now!

I would send templates as advised above.