mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

I would fire this off to them--> Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)

Hi Swansong,

Above letter sent recorded.

Many thanks

[Mehim]

Re: mehim's UE Diary

Feb 29th:
Final response template letter sent back to Cabot

OPPS did it wrong again

[Mehim]

Re: mehim's UE Diary

No 4 Barclaycard Credit Card

start : Sept 2004
bal : £2,400
last full : Present
present : paying
status : Up to Date

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them stating they sent me a final response in May, acknowledged the SAR and pointed out the parts of s78 that had been repealed.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

Another set of T&Cs from them today.

[Pixie]

Re: mehim's UE Diary

About par for the course for Barclaycard!

It'll probably be sent to their pet dca Mercers (ie a desk on the next floor) next.

You're not still paying are you? If you are, stop!

[Mehim]

Re: mehim's UE Diary

Hello Pixie,

I was still paying some but they got the last payment they will be having from me.

All are now in default or have sent back crap which Niddy says is .

I`m just working on how to screw more out of the banks and financial institutions. They pissed of the wrong person.

Pity the rest of the folks in Britain cant find their way here, I spread the word every chance I get.

TY

[CleverClogs (RIP)]

Re: mehim's UE Diary

Their letter is a final response

But it patently is nothing of the sort, though it might be the final response from that level of know-nothing numpties.

If it were their "final response", how could they then "escalate" the matter?

[Mehim]

Re: mehim's UE Diary

Nationwide Credit Card

start : May 2004
bal : £8,000
last full : Present
present : paying
status : Up to Date

dca : None

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 3rdLetter 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

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

Niddy says and still

March 2nd:
First call re non-payment. Refused DPA, told them to answer the letter I had sent.

Got me first call from Nationwide, lucky me.

[Pixie]

Re: mehim's UE Diary

Don't talk to them! Ever!

Fail security or just hang up on them.

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000
last full : Present
present : paying
status : Up to Date

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 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

Hello fellow fighters,
Updated with not a lot. Will continue to wait.

Hope all is well with everyone.

[Mehim]

Re: mehim's UE Diary

Opps forgot,

I had a couple of calls from Nationwide this morning, pity I missed them lol, they are going to call back or I can call them if I would like too.

Yeah righttttttt

[CleverClogs (RIP)]

Re: mehim's UE Diary

I had a couple of calls from Nationwide this morning, pity I missed them lol, they are going to call back or I can call them if I would like too.

Yeah righttttttt

What will you call them, though?

[CleverClogs (RIP)]

Re: mehim's UE Diary

Don't talk to them! Ever!

Fail security or just hang up on them.

How boring.

Tell them they've called the St Jude Debt Intercession Line and, if they seek the Saint's help on one uncollectable debt, He will help on another at the same time.

[Mehim]

Re: mehim's UE Diary

From your post above it would appear you have been waiting for a CCA from Barclays since last year when they just sent you a set of T&Cs. If that's the case, chances are, they probably can't find it. It wouldn't be the first time so let's hope for the best!

Hi Flower,

I got a recon agreement last may , basically a blank sheet with my name and address typed on it. Also a copy of T&Cs for a Providian National Bank agreement.

They did get my name and address correct lol.

That was for a verbal request, I sent a CCA request on Niddy`s advice 10th Feb this year but it does look like they are having probs with this one as well. It was a Monument Card not a Providian one.

Had another call from Nationwide too, thats number 4, I will have to send the phone harassment letter soon.

TY

[PlanB]

Re: mehim's UE Diary

I got a recon agreement last may , basically a blank sheet with my name and address typed on it. Also a copy of T&Cs for a Providian National Bank agreement.

They did get my name and address correct lol.

That was for a verbal request, I sent a CCA request on Niddy`s advice 10th Feb this year but it does look like they are having probs with this one as well. It was a Monument Card not a Providian one.

Barclaycard took over Monument in 2002 when it was sold off by Providian National Bank so if your account started after that date (2004?) those Ts & Cs can't be anything to do with you I have one of these and Barclaycard finally admitted UE and I've heard nothing more from them since March 2011 - they haven't even sold it on

[CleverClogs (RIP)]

Re: mehim's UE Diary

All the signs point in one direction: they haven't got it! If they had it, why send a blank sheet with your name & address and some T&Cs? That's not a recon by any stretch of the imagination!

Not only does it seem they do not have the agreement, it would also seem that they lack any clues about what to do.

Had the head of their hive unexpectedly perished?