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  • Re: mehim's UE Diary

    Originally posted by Mehim View Post
    morning Niddy,

    the balance is £4000+. I will send you a copy of the one I have done for MKDP and the first draft of Barclay`s one.

    Feel free to change them for me and put the boot in. Neither has been posted yet.

    ty
    Hiya

    Just getting round to looking at emails now, sorry for the delay! Ok, so you've sent me like 100 emails - I will have a quick look but can't promise I will get my head round it all......
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

    Comment


    • Re: mehim's UE Diary

      Ok,

      Can I ask you to send me one email with the other agreement on it - I don't need anything else, no explanation - nothing. Just one email with the erroneous agreement and any cover letter etc that came with THAT.

      Thanks mate
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment


      • Re: mehim's UE Diary

        Aw, i hope i can feel another write-off here
        Good luck!
        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.



        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • Re: mehim's UE Diary

          Both sent to you Niddy.

          Many thanks for all the help.
          ************************************************** ***********************
          OH`s MBNA

          MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
          TESCO with a dodgy DN

          Comment


          • Re: mehim's UE Diary

            Originally posted by Mehim View Post
            Afternoon Everyone, Latest from Aktiv, another £3700+ gift voucher.
            Gift voucher indeed! What a bloody joke!

            Comment


            • Re: mehim's UE Diary

              Originally posted by Pip View Post
              Gift voucher indeed! What a bloody joke!
              go to their site and see their offers (NOT) the longer it takes youto repay them the less discount, they paylittle for an acount an hope to make 99% + profit they are assos
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • Re: mehim's UE Diary

                Morning Everyone,,

                some wee updates arrived this morning. Tesco (post 34) have sacked Fred`s by the look of it as they have appointed Wescot to deal now.
                Will await contact.

                MKDP apologise for the delay again with B/card (post 8)

                FFS MKDP have again apologised for B/card (post 6), Maybe they have realised they are in the shit with this one as Niddy is dealing personally with this one. Mind you we haven`t replied to their forged recon yet. They may be psychic lol.

                Many, many thanks for all the help myself and everyone else receives from Niddy and the site team.

                TY
                ************************************************** ***********************
                OH`s MBNA

                MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                TESCO with a dodgy DN

                Comment


                • Re: mehim's UE Diary

                  Originally posted by Mehim View Post
                  Tesco Credit Card

                  Start: 2006 corrected to 2003
                  Balance: £7,500 Now £7965.55
                  Last Full: 2012
                  Status: Enforceable but a f*cked up default notice.
                  DCA: Allied International Credit, now Fredrickson International Limited


                  2012

                  Feb 10th:
                  CCA request letter sent.


                  Feb 24th: No response to my CCA request. Ignoring till they respond.

                  March 17th:
                  Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.

                  EMAILING NIDDY

                  March 21st:

                  2 letters from Tesco,
                  lucky me.
                  First is telling me they haven`t received a payment. Please contact them.
                  Second is a default sum notice for £12. That wont be paid either.

                  Niddy is checking the CCA I got from them regarding this card.

                  Niddy says

                  March 27th:
                  Sent missing pt template letter
                  March 27th:
                  Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
                  April 7th:
                  Letter telling me I haven`t paid.
                  April 11th:
                  Letter wanting me to contact them urgently.
                  April 19th:
                  Letter , Notice sent because I am behind with payments.
                  April 19th:
                  Letter, Default Sum Notice.
                  April 20th:
                  Letter re them complying with s78.
                  "I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
                  They do not consider the account to be in dispute.
                  April 23rd:
                  Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
                  April 24th:
                  Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
                  May 10th:
                  Sending them the telephone harassment template letter.
                  May 25th:
                  Another Default Sum Notice.
                  May 25th:
                  Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
                  June 14th:
                  Letter terminating the alleged CCA
                  July 6th:
                  Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
                  July 20th:
                  Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
                  31st July:
                  Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
                  7th August 2012:
                  Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
                  17th August:
                  Another letter from them.

                  Further action to recover your debt

                  Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.

                  If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
                  6th Sept:
                  Another letter from Tesco threatening further action and another 7 days to contact them
                  20th Sept:
                  Letter from AIC.
                  "The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
                  We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
                  24th Sept:
                  Account sold in dispute template sent to AIC
                  29th Sept:
                  Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

                  Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

                  2013

                  27th March:
                  Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
                  29th March:
                  Account in Dispute and In Writing Only, off to Freds
                  13th April:
                  Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
                  30th April:
                  Letter to Freds in reply to their one dated 12th April
                  10th May:
                  Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
                  13th May:
                  Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
                  13th May:
                  Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
                  23rd May:
                  Another letter from Fred`s, ffs they don`t allow much time to respond.

                  Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
                  5th June:
                  Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place,
                  no chit sherlock
                  27th June:
                  Latest from Fred`s, despite previous correspondence I have failed
                  (miserably I might say) to discharge this debt with their client.
                  4th July:
                  Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
                  9th Aug:
                  Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
                  21st Sept:
                  Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
                  26th Sept:
                  Letter from Tesco informing me that Wescot are now dealing with this .
                  28th Sept:
                  Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
                  Evening All,

                  well Wescot didn`t hang about, got a letter from them wanting my money. They can whistle.

                  Will get SWID off to them when I get around to it.

                  Many thanks for all the help.
                  ************************************************** ***********************
                  OH`s MBNA

                  MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                  TESCO with a dodgy DN

                  Comment


                  • Re: mehim's UE Diary

                    will sort your thing tomorrow mate - need some info from Paul etc first and he's busy
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment


                    • Re: mehim's UE Diary

                      Morning Niddy,

                      no worries mate, hopefully it will take all of 5 years for them to sort it out .

                      Many thanks.
                      ************************************************** ***********************
                      OH`s MBNA

                      MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                      TESCO with a dodgy DN

                      Comment


                      • Re: mehim's UE Diary

                        Originally posted by Mehim View Post
                        Tesco Credit Card

                        Start: 2006 corrected to 2003
                        Balance: £7,500 Now £7965.55
                        Last Full: 2012
                        Status: Enforceable but a f*cked up default notice.
                        DCA: Allied International Credit, now Fredrickson International Limited


                        2012

                        Feb 10th:
                        CCA request letter sent.


                        Feb 24th: No response to my CCA request. Ignoring till they respond.

                        March 17th:
                        Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.

                        EMAILING NIDDY

                        March 21st:

                        2 letters from Tesco,
                        lucky me.
                        First is telling me they haven`t received a payment. Please contact them.
                        Second is a default sum notice for £12. That wont be paid either.

                        Niddy is checking the CCA I got from them regarding this card.

                        Niddy says

                        March 27th:
                        Sent missing pt template letter
                        March 27th:
                        Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
                        April 7th:
                        Letter telling me I haven`t paid.
                        April 11th:
                        Letter wanting me to contact them urgently.
                        April 19th:
                        Letter , Notice sent because I am behind with payments.
                        April 19th:
                        Letter, Default Sum Notice.
                        April 20th:
                        Letter re them complying with s78.
                        "I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
                        They do not consider the account to be in dispute.
                        April 23rd:
                        Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
                        April 24th:
                        Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
                        May 10th:
                        Sending them the telephone harassment template letter.
                        May 25th:
                        Another Default Sum Notice.
                        May 25th:
                        Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
                        June 14th:
                        Letter terminating the alleged CCA
                        July 6th:
                        Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
                        July 20th:
                        Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
                        31st July:
                        Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
                        7th August 2012:
                        Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
                        17th August:
                        Another letter from them.

                        Further action to recover your debt

                        Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.

                        If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
                        6th Sept:
                        Another letter from Tesco threatening further action and another 7 days to contact them
                        20th Sept:
                        Letter from AIC.
                        "The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
                        We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
                        24th Sept:
                        Account sold in dispute template sent to AIC
                        29th Sept:
                        Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

                        Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

                        2013

                        27th March:
                        Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
                        29th March:
                        Account in Dispute and In Writing Only, off to Freds
                        13th April:
                        Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
                        30th April:
                        Letter to Freds in reply to their one dated 12th April
                        10th May:
                        Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
                        13th May:
                        Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
                        13th May:
                        Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
                        23rd May:
                        Another letter from Fred`s, ffs they don`t allow much time to respond.

                        Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
                        5th June:
                        Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place,
                        no chit sherlock
                        27th June:
                        Latest from Fred`s, despite previous correspondence I have failed
                        (miserably I might say) to discharge this debt with their client.
                        4th July:
                        Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
                        9th Aug:
                        Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
                        21st Sept:
                        Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
                        26th Sept:
                        Letter from Tesco informing me that Wescot are now dealing with this .
                        28th Sept:
                        Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
                        4th Oct:
                        Sent SWID and telephone harassment letter for good measure
                        Morning all,
                        sent the above to Wescot for their eejits to read.

                        Many thanks for all the help.
                        ************************************************** ***********************
                        OH`s MBNA

                        MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                        TESCO with a dodgy DN

                        Comment


                        • Re: mehim's UE Diary

                          Right been thinking about your case with the wrong cca's.

                          Technically the account is UE as a result because you NEVER agreed to anything they've sent you. How could you of when it's not you.

                          I think I'd be prone to wait for THEIR next move being honest. They can't enforce; they're unlikely to write it off and likely to remedy if you tell them their error. It may be best playing along with the normal UE process for now...
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment


                          • Re: mehim's UE Diary

                            OK Niddy,

                            thanks for all the help. I`ll await their next move.

                            TY
                            ************************************************** ***********************
                            OH`s MBNA

                            MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                            TESCO with a dodgy DN

                            Comment


                            • Re: mehim's UE Diary

                              Originally posted by Mehim View Post
                              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, Now Wescot

                              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
                              10th Nov:
                              Letter from Freds.

                              "We thank you for your recent letter dated 31st October 2012 the contents of which we note but do not accept.
                              We confirm that we are no longer instructed and the account has been returned to our client and our file is now closed.
                              We further confirm that we have forwarded your letter to our client for their records and advise that as we have no retainer with you any future invoices will be rejected."
                              13th Nov:
                              Another letter from Freds,

                              "we refer to your recent communication.
                              Please note we are no longer instructed in connection with this matter and have returned the account to our client."
                              28th Nov:
                              Letter from Nationwide.
                              "We have received a letter from you, via Fredrickson International requesting a copy of the agreement for the above account"

                              EMAILING NIDDY

                              No changeSill

                              2013

                              22nd April:
                              Letter from Nationwide, informing me that Wescot Credit Services are now managing this one.
                              29th April:
                              Letter from Wescot, pay us, we want money.
                              8th May:
                              Letter to Wescot, sold in dispute.
                              10th May:
                              Letter from Wescot, FINAL DEMAND in oh so scary red letters.
                              17th May:
                              Letter from Wescot offering a 50% reduced settlement offer
                              5th June:
                              Letter from Wescot, The opportunity to take control of your outstanding balance.
                              17th June:
                              Letter from Wescot Advising me that they are gonna steal my doorstep through some crowd called Credit Security.I have a final opportunity to avoid referral to Credit Security.
                              19th June:
                              Letter to Wescot re leave me doorstep alone and a gentle reminder to read my letter of 18th May
                              28th June:
                              Letter from Credit Security Ltd, yippeeeee gonna have a visitor
                              4th July:
                              Doorstep theft threat letter to Credit Security.
                              8th July:
                              Letter from Wescot, hehe, they do not have a record of receiving correspondence dated 8th may from me.
                              (tough titty, I have proof they signed for it)
                              14th July:
                              Letter to Wescot sending them a copy of proof of posting and the electronic sig they gave for receiving my letter of the 8th May.
                              18th July:
                              Letter from Credit Security Ltd in reply to my doorstep threat dated 4th July. They are unable to come collect my doorstep as they are no longer instructed in this matter.
                              25th July:
                              Letter from Wescot acknowledging that I have raised a request for documentation and it may take several weeks to get the information back from their client.
                              3 Aug:
                              Letter from Wescot re Credit Card Agreement. They say Nationwide sent me a copy in November 2012. Pay us the money.
                              6thAug:
                              all-about-debt.co.uk/inde...e-cca-received tweaked and sent to Wescot.
                              18th AUg:
                              Letter from Wescot, re mine of the 6th. Everything on hold till they contact their client.
                              31st Aug:
                              Letter from Wescot,
                              We refer to your recent communication regarding the above account, please find enclosed copy application form as requested. Payment is now required.
                              2nd Sept:
                              Letter to Wescot re Application Form Received.
                              11th Sept:
                              Letter from Wescot, everything on hold again till they contact their client, this might take several weeks.
                              10th Oct:
                              Letter from Wescot referring to my recent communication, awaiting information from their client and will get back to me.
                              Afternoon All, another letter from Wesot thanking me for writing. they are waiting on their client getting back to them.

                              Filed and ignored.

                              Many thanks for all the help received.
                              ************************************************** ***********************
                              OH`s MBNA

                              MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                              TESCO with a dodgy DN

                              Comment


                              • Re: mehim's UE Diary

                                Originally posted by Mehim View Post
                                Tesco Credit Card

                                Start: 2006 corrected to 2003
                                Balance: £7,500 Now £7965.55
                                Last Full: 2012
                                Status: Enforceable but a f*cked up default notice.
                                DCA: Allied International Credit, now Fredrickson International Limited, now Wescot


                                2012

                                Feb 10th:
                                CCA request letter sent.


                                Feb 24th: No response to my CCA request. Ignoring till they respond.

                                March 17th:
                                Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.

                                EMAILING NIDDY

                                March 21st:

                                2 letters from Tesco,
                                lucky me.
                                First is telling me they haven`t received a payment. Please contact them.
                                Second is a default sum notice for £12. That wont be paid either.

                                Niddy is checking the CCA I got from them regarding this card.

                                Niddy says

                                March 27th:
                                Sent missing pt template letter
                                March 27th:
                                Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
                                April 7th:
                                Letter telling me I haven`t paid.
                                April 11th:
                                Letter wanting me to contact them urgently.
                                April 19th:
                                Letter , Notice sent because I am behind with payments.
                                April 19th:
                                Letter, Default Sum Notice.
                                April 20th:
                                Letter re them complying with s78.
                                "I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
                                They do not consider the account to be in dispute.
                                April 23rd:
                                Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
                                April 24th:
                                Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
                                May 10th:
                                Sending them the telephone harassment template letter.
                                May 25th:
                                Another Default Sum Notice.
                                May 25th:
                                Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
                                June 14th:
                                Letter terminating the alleged CCA
                                July 6th:
                                Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
                                July 20th:
                                Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
                                31st July:
                                Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
                                7th August 2012:
                                Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
                                17th August:
                                Another letter from them.

                                Further action to recover your debt

                                Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.

                                If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
                                6th Sept:
                                Another letter from Tesco threatening further action and another 7 days to contact them
                                20th Sept:
                                Letter from AIC.
                                "The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
                                We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
                                24th Sept:
                                Account sold in dispute template sent to AIC
                                29th Sept:
                                Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

                                Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

                                2013

                                27th March:
                                Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
                                29th March:
                                Account in Dispute and In Writing Only, off to Freds
                                13th April:
                                Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
                                30th April:
                                Letter to Freds in reply to their one dated 12th April
                                10th May:
                                Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
                                13th May:
                                Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
                                13th May:
                                Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
                                23rd May:
                                Another letter from Fred`s, ffs they don`t allow much time to respond.

                                Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
                                5th June:
                                Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place,
                                no chit sherlock
                                27th June:
                                Latest from Fred`s, despite previous correspondence I have failed
                                (miserably I might say) to discharge this debt with their client.
                                4th July:
                                Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
                                9th Aug:
                                Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
                                21st Sept:
                                Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
                                26th Sept:
                                Letter from Tesco informing me that Wescot are now dealing with this .
                                28th Sept:
                                Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
                                4th Oct:
                                Sent SWID and telephone harassment letter for good measure
                                10th Oct:
                                Letter from Wescot, FINAL NOTICE oh dear, Please do not ignore this letter as this could result in further action being taken to recover the debt (alleged)
                                Busy post this week lol.

                                Another threat from Wescot, crossed in the post with my SWID.

                                I`ll file and ignore and await the next one.

                                Many thanks.
                                ************************************************** ***********************
                                OH`s MBNA

                                MBNA : MBNA/Virgin : CITI : Barclaycard/ Goldfish: Barclaycard: Barclaycard/Monument: Barclaycard: Nationwide: £57,000 now Statute Barred.
                                TESCO with a dodgy DN

                                Comment

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