mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Thanks Deepie, I was going around in circles trying to figure out which account was which for a while.

[Deepie]

Re: mehim's UE Diary

Afternoon All,

Got a reply in response to my SWID to Raven, MKDP kindly wrote it for them.

Not too sure if it even needs a reply.

TY

I'd just leave it if it were me......

Not a lot on this one either, they are still searching somewhere.

TY

BTW I deleted that 2nd to last post......

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

start : Before 2005, Unsure when
bal : £4,000 Now £4700
last full : 2012
present : Not paying
status : Unenforceable
dca : Mercers, Calders, Credit Solutions, MKRR, MKPD, MKRR

2011

March 29th
March BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.
March 29th
Letter received confirming account closure.
April
Called them asking where the Agreement was that they were sending me.
May 11th
Letter received rabbiting on about s78 request, that they will respond ASAP
Dec 14th
I sent account in dispute as they never got back to me.
Dec 20th
Letter from them apologising and thanking me for allowing them to respond.

2012

Jan 11th
Letter from them rabbiting on about s78 and T&C for MDSW card.
Jan 11th
Same date another letter with T&C for a Barclay Credit Card.
Jan 16th
Sent a reply asking them where I had asked anything under s78, also sent in a SAR
Feb 2nd
Received an incomplete SAR, no original agreement, (Recon one included)
No statements.
Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th
Reply regarding CCA request. Wrong original application form sent to me, name etc belongs to someone in Sheffield.
Feb 24th
Wrong response to my CCA request. Ignoring till they respond.
March 8th:
Letter with a recon agreement. Blank sheet with the previous person`s name and address top left. Box with right to cancel further down and a set of MDSW T&Cs. Late fee is £15.00, I am not sure if this was the late fee when I started the card, think it was probably £25.00
March 8th:
Letter same day with a copy of Barclaycard T&Cs
March 17th
Late payment note with statement.
March 21st
Sent Telephone harassment letter
March 29th
Letter informing me they are dealing with my complaint.
April 27th:
Letter saying they are still looking into my complaint. They will get in touch by 27th May.
April 27th:
Letter about my complaint, apologising for all the calls and they have removed all present and previous numbers from their records.
May 25th:
Letter from Mercers, wanting paid. This is also a default notice.
June 12th:
Letter to Mercers, No CCA received.
June 15th:
Letter from Mercers re doorstep visit
July 5th:
Sent Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief.
July 24th:
Letter thanking me for contacting them complaining. Think it is in reply to my last one sent on the 5th.
13th August:
Letter from Calder blah, blah, blah
13th August
Doorstep letter to Calder along with a copy of the letter to Mercer`s June. Told them to read it and not be telling porkies about me not contacting Mercer. Also said to ask the guy along the corridor why he was telling lies about me
12th Sept:
Another letter from Calder saying I`ve not been in touch with Mercers.
13th Oct:
Letter from Barclay informing me that the account has now been passed to Credit Solutions Ltd to manage the collection of the balance.
16th Oct:
Account in dispute template letter sent to Credit Solutions
17/18 Oct:
Letter from Credit Solutions, Formal Demand
8th Nov:
Response to the Account in Dispute Template letter.

"In your letter you state the account is currently in dispute as they have failed to comply with your request under the Consumer Credit Act 1974. I can confirm that according to the notes on our system prior to receiving your above mentioned letter we have not received any request from you under the Consumer Credit Act 1972, however you may have sent this to our client.
In order for us to raise your dispute with our client we require more information regarding your request.
We need to clarify the following:-
Whether you have or have NOT received any documentation from the client since your request was made
Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)"
12th Nov:
Letter to Credit Solutions.

"I write in reference to your recent letter dated 6th November 2012 and note the content.
I can confirm that this account is formally in dispute with Barclaycard and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974)."

2013

5th March:
Letter informing me that this account was assigned and transferred by Barclaycard to MKPD LLP late February.
16th March:
Letter from MKRR Further to out recent communication regarding transfer of ownership, well that`s a lie to start with lol.
18th March:
Letter to MKRR, Account in Dispute, Telephone Harassment and doorstep threat.
29th march:
Another letter from MKRR. "Regardless of our attempts to contact you by telephone and letter we still have not received your offer of payment"
29th March:
Letter to them informing them I did write enclosing proof of postage and their signature for receiving it
15th April:
Letter from MKDP (that`s different always been MKRR in the past.)informing me that they are unable to fulfil my request!! What request I ask myself.
5th May:
Another letter from MKDP apologising for the delay in getting information to me. Very similar to the last one
11th June:
Another letter from MKPD again apologising for the delay.
18th July:
Another letter from MKPD again apologising for the delay.
22nd Aug:
Another letter from MKPD again apologising for the delay.
7th Sept:
Letter from MKPD. Further to your recent communication (that would be in March), please find enclosed documents you have requested.
Reconstituted credit agreement enclosed.
We request you contact us, gees yer dosh.
26th Sept
Another letter from MKPD again apologising for the delay ??!!!
26th Oct:
Another letter with 3 random Barclaycard statements from July, Aug, Sept 2012
15th Nov:
Final Notice from MKRR, As you have not taken up their offer of help, no option but to refer to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation blah blah
20th Nov:
Threat to commence litigation letter send
7th Dec:
Letter from MKPD, Unable to resolve my query. going to conduct a full review and get back to me.

2014

8th Jan:
Letter from MKDP "I write further to our letter of acknowledgement we sent regarding the above account. At this time we must apologise, as we are still unable to resolve your query"
22nd Jan:
Letter from MKDP, Final response, I have six months to go to FOS if I`m not happy.
7th Feb:
Letter from Keynes Collections "Notice of Intended Legal Action" As you have failed to respond to previous correspondence or agree to a payment plan we have been instructed by MKDP LLP to collect the outstanding balance in accordance with your agreement. Lot more on it as well.
10th Feb:
Sent Letter before action letter to Keynes.
12th Feb:
Telephone harassment and in writing only letter sent to Keynes
22nd Feb
Latest from MKDP in reply to my letter to Keynes.
"I understand you have requested further documentation in regards to the Practise-Pre-Action Conduct. You have stated in your correspondence that MKDP LLP have failed to comply with your request ubder s77; therefore, the account is unenforceable.
I can confirm we have previously supplied you with Statements of Account and a Reconstituted Copy of your Credit Agreement. Your request for a copy of your credit agreement made under s77 of the Consumer Credit Act 1974. Please find below an extract from para 2.17 of Guidence issued by the OFT on s77/78/79 of the Consumer Credit Act 1974. (Usual Bumph then re Carey). Accordingly, the creditor`s duty under s77 has been satisfied and you remain Liable for the above balances in full.
In regards to the further documentation you have required, I can confirm we have requested this from the original creditor and this will be forwarded to you upon receipt. Further to this, you have requested communications between ourselves and the creditor, I must advise we are not obliged to provide you with this documentation" Number to call if I require anything further.
26th feb:
Letter from MKDP apologising for the delay.
27th Feb:
Letter from MKDP re mine regarding telephone harassment.They don`t consider all the call harassment but have removed my number and all communications will be in writing from now on.
4th Mar:
Letter from MKDP enclosing the notice of assignment from B/card dated 28th Feb 2013. Informing me further to my recent communication.
As verified in the enclosed Notice of Assignment, your account has been assigned to MKDP LLP to manage your account. MKDP LLP are now the legal owners of the account and therefore there is no liability towards Barclaycard. Once the account has been settled your credit file will be updated accordingly.
31st Mar:
Reminder off to Keynes Collections regarding the info asked for in reply to their LBA
18th April:
Letter from MKPD re mine of the 31st March
3rd April:
Letter from MKDP apologising for the delay.
18th April:
Letter from MKDP copy of default notice.
20th May:
Letter from Raven Recoveries wanting my money.
26th May:
SWID off to Raven.
7th June:
Letter from MKDP regarding Account No 2, they are still unable to resolve my query

Not a lot on this one either, they are still searching somewhere.

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, Mercers, Resolve Call, Calder, NCO, RMA, MKPD, MKRR, MKPD, MKRR, Raven Recoveries

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.
17th November:
Letter from NCO? Looks like they are replying for RMA. "We are in receipt of your recent correspondence relating to the above reference. This matter is being investigated and a detailed response will be provided to you once the investigation is complete."
6th Dec:
Letter from NCO (RMA) Final response, going to resume collection activities. lol, if any further questions please do not hesitate to contact me using the details below.
10th Dec:
CCA Query - Creditor Refusal to Accept UE Status posted off to NCO.
17th Dec: Letter to NCO (RMA) re numerous calls to my mobile despite them saying in their letter received on the 6th that they would only contact me in writing as requested.

2013

5th March:
Letter informing me that this account was assigned and transferred by Barclaycard to MKPD LLP late February.
16th March:
Letter from MKRR Further to out recent communication regarding transfer of ownership, well that`s a lie to start with lol.
18th March:
Letter to MKRR, Account in Dispute, Telephone Harassment and doorstep threat.
29th march:
Another letter from MKRR. "Regardless of our attempts to contact you by telephone and letter we still have not received your offer of payment"
29th March:
Letter to them informing them I did write enclosing proof of postage and their signature for receiving it.
4th April:
Letter from MKRR re my letter of 18th I think? Thanking me for taking the time to write, nice, They are unable to resolve the query at this time and will liaise with the OC and get back to me no later than 8 weeks.
5th May:
Another letter from MKDP apologising for the delay in getting information to me. Very similar to the last one.
11th June:
Another letter from MKDP apologising for the delay.
18th July:
Another letter from MKPD again apologising for the delay.
22nd Aug:
Another letter from MKPD again apologising for the delay.
26th Sept:
Another letter from MKPD again apologising for the delay.
1st Nov:
Letter from MKDP enclosing a recon from Barclaycard. Dated 10th June 2013, (Which I never received) Was also a final response from MKDP
15th Nov:
Final Notice from MKRR, As you have not taken up their offer of help, no option but to refer to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation blah blah.
20th Nov:
Threat to commence litigation letter sent.
7th Dec:
Letter from MKPD, Unable to resolve my query. going to conduct a full review and get back to me.

2014

8th Jan:
Letter from MKDP "I write further to our letter of acknowledgement we sent regarding the above account. At this time we must apologise, as we are still unable to resolve your query.
22nd Jan:
Letter from MKDP, They refer me to their final response letter sent Oct 2013 and as their complaints procedure are exhausted, they are unable to enter into any further correspondence regarding this matter.
7th Feb:
Letter from Keynes Collections "Notice of Intended Legal Action" As you have failed to respond to previous correspondence or agree to a payment plan we have been instructed by MKDP LLP to collect the oustanding balance in accordance with your agreement. Lot more on it as well.
10th Feb:
Sent Letter before action letter to Keynes.
12th Feb:
Telephone harassment and in writing only letter sent to Keynes
22nd Feb
Latest from MKDP in reply to my letter to Keynes.
"I understand you have requested further documentation in regards to the Practise-Pre-Action Conduct. You have stated in your correspondence that MKDP LLP have failed to comply with your request under s77; therefore, the account is unenforceable.
I can confirm we have previously supplied you with Statements of Account and a Reconstituted Copy of your Credit Agreement. Your request for a copy of your credit agreement made under s77 of the Consumer Credit Act 1974. Please find below an extract from para 2.17 of Guidance issued by the OFT on s77/78/79 of the Consumer Credit Act 1974. (Usual Bumph then re Carey). Accordingly, the creditor`s duty under s77 has been satisfied and you remain Liable for the above balances in full.
In regards to the further documentation you have required, I can confirm we have requested this from the original creditor and this will be forwarded to you upon receipt. Further to this, you have requested communications between ourselves and the creditor, I must advise we are not obliged to provide you with this documentation" Number to call if I require anything further.
26th Feb:
Letter from MKDP, Further to my request for further documents, they are unable to fulfil my request. Will get back to me once they receive them
27th Feb:
Letter from MKDP re mine regarding telephone harassment.They don`t consider all the call harassment but have removed my number and all communications will be in writing from now on.
5th Mar:
Letter from MKDP enclosing the notice of assignment from B/card dated 28th Feb 2013. Informing me further to my recent communication.
As verified in the enclosed Notice of Assignment, your account has been assigned to MKDP LLP to manage your account. MKDP LLP are now the legal owners of the account and therefore there is no liability towards Barclaycard. Once the account has been settled your credit file will be updated accordingly.
24th March:
Letter from raven recoveries wanting my money.
31st Mar:
Reminder off to Keynes Collections regarding the info asked for in reply to their LBA
31st march:
Letter to Raven SWID
3rd Apr:
Letter from MKDP, apologising but they are still trying to get info from B/card
18th April:
Letter from MKPD with a so called copy of the default notice received.
18th April:
Letter from MKPD enclosing a copy of their letter dated 20th March. Citing Carey, reconstituted agreement etc.
8th May:
Letter from raven recoveries, wanting the full amount paid.
14th May:
Letter to raven, SWID again.
31st May:
Letter from MKDP in response to my SWID to Raven. hey refer to my letter dated 14th May and say a final response was issued on 19th january 2014 which informed me of the final response given in October 2013

Afternoon All,

Got a reply in response to my SWID to Raven, MKDP kindly wrote it for them.

Not too sure if it even needs a reply.

TY

[Mehim]

Re: mehim's UE Diary

Hi Niddy,

many thanks for all the help you and you fellow helpers have given me over the last couple of years.

[Never-In-Doubt]

Re: mehim's UE Diary

Keep it all crossed mate. Not long to go

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

start : Before 2005, Unsure when
bal : £4,000 Now £4700
last full : 2012
present : Not paying
status : Unenforceable
dca : Mercers, Calders, Credit Solutions, MKRR, MKPD, MKRR

2011

March 29th
March BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.
March 29th
Letter received confirming account closure.
April
Called them asking where the Agreement was that they were sending me.
May 11th
Letter received rabbiting on about s78 request, that they will respond ASAP
Dec 14th
I sent account in dispute as they never got back to me.
Dec 20th
Letter from them apologising and thanking me for allowing them to respond.

2012

Jan 11th
Letter from them rabbiting on about s78 and T&C for MDSW card.
Jan 11th
Same date another letter with T&C for a Barclay Credit Card.
Jan 16th
Sent a reply asking them where I had asked anything under s78, also sent in a SAR
Feb 2nd
Received an incomplete SAR, no original agreement, (Recon one included)
No statements.
Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th
Reply regarding CCA request. Wrong original application form sent to me, name etc belongs to someone in Sheffield.
Feb 24th
Wrong response to my CCA request. Ignoring till they respond.
March 8th:
Letter with a recon agreement. Blank sheet with the previous person`s name and address top left. Box with right to cancel further down and a set of MDSW T&Cs. Late fee is £15.00, I am not sure if this was the late fee when I started the card, think it was probably £25.00
March 8th:
Letter same day with a copy of Barclaycard T&Cs
March 17th
Late payment note with statement.
March 21st
Sent Telephone harassment letter
March 29th
Letter informing me they are dealing with my complaint.
April 27th:
Letter saying they are still looking into my complaint. They will get in touch by 27th May.
April 27th:
Letter about my complaint, apologising for all the calls and they have removed all present and previous numbers from their records.
May 25th:
Letter from Mercers, wanting paid. This is also a default notice.
June 12th:
Letter to Mercers, No CCA received.
June 15th:
Letter from Mercers re doorstep visit
July 5th:
Sent Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief.
July 24th:
Letter thanking me for contacting them complaining. Think it is in reply to my last one sent on the 5th.
13th August:
Letter from Calder blah, blah, blah
13th August
Doorstep letter to Calder along with a copy of the letter to Mercer`s June. Told them to read it and not be telling porkies about me not contacting Mercer. Also said to ask the guy along the corridor why he was telling lies about me
12th Sept:
Another letter from Calder saying I`ve not been in touch with Mercers.
13th Oct:
Letter from Barclay informing me that the account has now been passed to Credit Solutions Ltd to manage the collection of the balance.
16th Oct:
Account in dispute template letter sent to Credit Solutions
17/18 Oct:
Letter from Credit Solutions, Formal Demand
8th Nov:
Response to the Account in Dispute Template letter.

"In your letter you state the account is currently in dispute as they have failed to comply with your request under the Consumer Credit Act 1974. I can confirm that according to the notes on our system prior to receiving your above mentioned letter we have not received any request from you under the Consumer Credit Act 1972, however you may have sent this to our client.
In order for us to raise your dispute with our client we require more information regarding your request.
We need to clarify the following:-
Whether you have or have NOT received any documentation from the client since your request was made
Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)"
12th Nov:
Letter to Credit Solutions.

"I write in reference to your recent letter dated 6th November 2012 and note the content.
I can confirm that this account is formally in dispute with Barclaycard and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974)."

2013

5th March:
Letter informing me that this account was assigned and transferred by Barclaycard to MKPD LLP late February.
16th March:
Letter from MKRR Further to out recent communication regarding transfer of ownership, well that`s a lie to start with lol.
18th March:
Letter to MKRR, Account in Dispute, Telephone Harassment and doorstep threat.
29th march:
Another letter from MKRR. "Regardless of our attempts to contact you by telephone and letter we still have not received your offer of payment"
29th March:
Letter to them informing them I did write enclosing proof of postage and their signature for receiving it
15th April:
Letter from MKDP (that`s different always been MKRR in the past.)informing me that they are unable to fulfil my request!! What request I ask myself.
5th May:
Another letter from MKDP apologising for the delay in getting information to me. Very similar to the last one
11th June:
Another letter from MKPD again apologising for the delay.
18th July:
Another letter from MKPD again apologising for the delay.
22nd Aug:
Another letter from MKPD again apologising for the delay.
7th Sept:
Letter from MKPD. Further to your recent communication (that would be in March), please find enclosed documents you have requested.
Reconstituted credit agreement enclosed.
We request you contact us, gees yer dosh.
26th Sept
Another letter from MKPD again apologising for the delay ??!!!
26th Oct:
Another letter with 3 random Barclaycard statements from July, Aug, Sept 2012
15th Nov:
Final Notice from MKRR, As you have not taken up their offer of help, no option but to refer to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation blah blah
20th Nov:
Threat to commence litigation letter send
7th Dec:
Letter from MKPD, Unable to resolve my query. going to conduct a full review and get back to me.

2014

8th Jan:
Letter from MKDP "I write further to our letter of acknowledgement we sent regarding the above account. At this time we must apologise, as we are still unable to resolve your query"
22nd Jan:
Letter from MKDP, Final response, I have six months to go to FOS if I`m not happy.
7th Feb:
Letter from Keynes Collections "Notice of Intended Legal Action" As you have failed to respond to previous correspondence or agree to a payment plan we have been instructed by MKDP LLP to collect the outstanding balance in accordance with your agreement. Lot more on it as well.
10th Feb:
Sent Letter before action letter to Keynes.
12th Feb:
Telephone harassment and in writing only letter sent to Keynes
22nd Feb
Latest from MKDP in reply to my letter to Keynes.
"I understand you have requested further documentation in regards to the Practise-Pre-Action Conduct. You have stated in your correspondence that MKDP LLP have failed to comply with your request ubder s77; therefore, the account is unenforceable.
I can confirm we have previously supplied you with Statements of Account and a Reconstituted Copy of your Credit Agreement. Your request for a copy of your credit agreement made under s77 of the Consumer Credit Act 1974. Please find below an extract from para 2.17 of Guidence issued by the OFT on s77/78/79 of the Consumer Credit Act 1974. (Usual Bumph then re Carey). Accordingly, the creditor`s duty under s77 has been satisfied and you remain Liable for the above balances in full.
In regards to the further documentation you have required, I can confirm we have requested this from the original creditor and this will be forwarded to you upon receipt. Further to this, you have requested communications between ourselves and the creditor, I must advise we are not obliged to provide you with this documentation" Number to call if I require anything further.
26th feb:
Letter from MKDP apologising for the delay.
27th Feb:
Letter from MKDP re mine regarding telephone harassment.They don`t consider all the call harassment but have removed my number and all communications will be in writing from now on.
4th Mar:
Letter from MKDP enclosing the notice of assignment from B/card dated 28th Feb 2013. Informing me further to my recent communication.
As verified in the enclosed Notice of Assignment, your account has been assigned to MKDP LLP to manage your account. MKDP LLP are now the legal owners of the account and therefore there is no liability towards Barclaycard. Once the account has been settled your credit file will be updated accordingly.
31st Mar:
Reminder off to Keynes Collections regarding the info asked for in reply to their LBA
18th April:
Letter from MKPD re mine of the 31st March
3rd April:
Letter from MKDP apologising for the delay.
18th April:
Letter from MKDP copy of default notice.
20th May:
Letter from Raven Recoveries wanting my money.
26th May:
SWID off to Raven.

Afternoon Everyone,

Latest from Raven, I`ll pop of a SWID to them.

Many thanks for all the help given on the site.

TY

[Mehim]

Re: mehim's UE Diary

MBNA/Virgin Credit Card

start : Aug 2004
bal : £5700
last full : Sept 2009
present : not paying
status : default. Copy of original Application. Unenforceable

dca : Experto Credite, Claim Management Consultants Now Aktiv Kapital

2009

Feb 25th
I contacted a Claims Management Company.
Mar 15th
I agreed to sign up for 3 cards.
Mar
Letter from CMC advising me claim was going ahead and not to sign anything from MBNA, to pass all correspondence from MBNA to them ASAP
May 26th
Letter from CMC saying nothing had been received from MBNA. They wrote telling them it was unenforceable as MBNA had not complied within the time limit. Told me I could stop paying but would get loads of hassle. I kept paying meantime.
Loads of calls from MBNA which I stonewalled referring them to the CMC
Aug 26th
Letter from solicitors acting on behalf of the CMC informing me that they would be writing to MBNA asking for the account to be cancelled, if not they would be raising a court action.
Oct 1st
Letter from CMC saying they had the paperwork from MBNA and the agreement was unenforceable. Again said I could stop paying it but I would get loads of hassle and they would default me. I stopped paying.

2010

Loads of call which I was happy dealing with.
Jan 11th
Threatened Default Notification.
Feb 2nd
Threatogram from MBNA CCJ, Sheriff Court etc.
Feb 4th
Nice letter offering help.
March 8th
Threatened default if I didn`t pay.
April 3rd
Notice of sum in arrears.
April 8th
Letter informing me that this would soon be written off as a bad debt and a default registered against me.
April 15th
Another letter (it is not too late to stop this happening). Threatened default and recovery action. Also calls offering discount.
June 4th
Default notice sent on the 4th, remedy date 22nd. On or after this date account will be terminated (Account actually sold to Experto 16th June). Got this from uncompleted SAR response from MBNA at a later date.
June 30th
Experto Credite appeared 30th June with a letter saying Varde Investments (Ireland) Ltd were now the legal owners. Asked me to call them.
July 15th
Experto offered to negotiate a favourable discounted settlement figure.
Aug 18th
Letter from Experto. We want your money.

2011

Jan 21st
HL Legal for experto 7 days to pay or else.
March 29th
Panic Stations Letter from accountancy firm informing me that the CMC dealing with this for me had gone down the tubes.
March 30th
letter to Accountants asking for my money back was ignored. Solicitor had already advised me there was no money.
April 13th
Bigger panic Letter from solicitors acting for the CMC, basically saying as there was no longer an indemnity , they could not advise me to go to court.
April 15th
HL Legal telling me they had instructions to issue proceeding at County Court.
April 20th
letter from me to CMC acting for me, returned, no longer there.
April 25th:
Experto threatogram re doorstep visit.
I wrote to them advising what the CMC solicitor had said regarding winning in court.
May 5th
Experto wrote saying they would check with MBNA regarding my dispute.
May 10th
Took stock, decided after reading all the bumph from MBNA and friends that if they were so sure of their facts, they would have taken action 2 years ago. Decided to fight on.
July 5th
Experto wrote saying MBNA confirms that there is no dispute.
Aug 18th:
Sent SAR to MBNA asking for original agreement, statements and a lot more.
Aug 23rd
Letter from MBNA saying they were unable to locate the account, asked me for DOB etc.
Aug 30th
I replied giving some information to MBNA, also asked why they didn`t know who I was as all their mail came to the same address.
Aug 25th
Experto wrote regarding the SAR I sent MBNA informing me that they, Experto did not have the original agreement.
Aug 26th
Another threatened doorstep visit.
Aug 31st:
Letter to Experto re unavailable data.
Sep 8th
I must have mentioned a notice of assignment (never received).
Got one from Experto on MBNA headed paper undated.an a letter on Experto headed paper undated saying they now owned the account.
Sept 27th
Letter from Experto saying Varde Investments (Ireland) Ltd own the account.
Sept 27th
Uncompleted SAR sent from Experto.
Oct 14th
Credit Management Consultants wrote saying the account had been escalated to them. Threatened doorstep visit.
Oct 23rd
I wrote to Credit Management telling them the account was in dispute.
Oct 25th
Uncompleted SAR received from MBNA.
I wrote informing them there was no signed copy of an agreement only a signed application form. Threw Ezsias v Welsh Ministers (2007) at them.
Nov 2nd
Disk with all calls to and from Experto.
Nov 2nd
Letter to CMC Account in dispute.
Nov 2nd
Letter to MBNA re missing items from SAR
Nov 9th
Experto replied to the above letter, Asking for my proposals re payment.
Nov 16th
Replied to Experto informing them still no original CCA.
Nov 18th
another letter from Experto apologising for their numpties telling me the agreement (which they don`t have) was enforceable when only a court could decide this.
Nov 30th
More threats from my new friend Credit Management Consultants. re Bailiff`s warrant, Attachment of earnings, Charging Order.

2012

Jan:
Experto called once and said in the convo that they didn`t know who Credit Management Consultants were. They mentioned a letter sent in December which I never got. They said they would now send it recorded delivery, I am still waiting.
Jan 31st
Further letter to MBNA re SAR
Feb
Still no further response from MBNA, I warned them I will be making a complaint to all the relevant authorities.
That is it to date.

EMAILING NIDDY

Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th
No response to my CCA request. Ignoring till they respond.

Niddy says

March 12th:
Letter from Akitiv Kapital. They have bought the account from Experto. I can clear the balance by paying with a card etc. lol
March 13th:
Letter sent to Aktiv, Account sold while in dispute.
March 20th:
Letter from Aktiv, account on hold till they get the information from the OC
April 5th:
Letter from Aktiv enclosing a copy of an application form and other pages.
Same copy that was received from MBNA and Experto, both included in partial SAR information. MBNA are still ignoring my CCA request sent February 10th this year.
April 6th:
Letter from Aktiv.
"Aktiv Kapital Portfolio AS, Zug Branch Limited purchased the account from Varde Investments (Ireland) Ltd.
We are Aktiv Kapital (UK) Limited and on behalf of the above we have requested Experto Credite to continue contacting you."

They also say I can clear the balance by several methods, one being by card payment.
I assume I just ignore this crap as well.
April 20th:
Letter received from MBNA re cca and account statements. Telling me to contact Experto for the CCA and statements are £4.00 per copy, they enclosed a list of all transaction. Please call if you require copies of the statements.
April 26th:
Letter from Aktiv. They contacted Experto for copy statements!! I SAR`ed MBNA last August and never got the statements. Aktiv have sent statements fromJune 2009 to June 2010, I think this may be the period of time that Experto have had this account. They go on to say,
They look forward to receiving my proposals for payment within 14 days. Should they receive no response, the account will be passed to their collections division for further action.
3rd August:
Sent another request for all the statements missing from my SAR
9th August:
Another reply re the incomplete SAR. Say they responded to it but they did not send the statements which I asked for in the SAR. tell me to contact Experto who purchased the account for information regarding their response (MBNA) to my section 78 requests. They still want me to pay £4 per copy statement. Want me to call if i still want the statements.

2013

17th July:
Letter from Aktiv with a £3700 gift voucher. llf
16th Sept:
Letter from Aktiv with another £3700+ gift voucher
11th Oct:
Letter from Aktiv with another gift voucher for £3750+

2014

17th May:
Latest from Aktiv, Statement of your account with a £3752 gift voucher attached. I can use it if I pay the rest by 31st May.

Evening Folks,

Latest from Aktiv with another gift voucher. Will I use it hmmmmm, doubt it. End of this year, beginning of next this should be SB.

I`ll sit it out, filing this in the ignore file, unless otherwise guided.

Many many thanks for all the help received.

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, Mercers, Resolve Call, Calder, NCO, RMA, MKPD, MKRR, MKPD, MKRR, Raven Recoveries

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.
17th November:
Letter from NCO? Looks like they are replying for RMA. "We are in receipt of your recent correspondence relating to the above reference. This matter is being investigated and a detailed response will be provided to you once the investigation is complete."
6th Dec:
Letter from NCO (RMA) Final response, going to resume collection activities. lol, if any further questions please do not hesitate to contact me using the details below.
10th Dec:
CCA Query - Creditor Refusal to Accept UE Status posted off to NCO.
17th Dec: Letter to NCO (RMA) re numerous calls to my mobile despite them saying in their letter received on the 6th that they would only contact me in writing as requested.

2013

5th March:
Letter informing me that this account was assigned and transferred by Barclaycard to MKPD LLP late February.
16th March:
Letter from MKRR Further to out recent communication regarding transfer of ownership, well that`s a lie to start with lol.
18th March:
Letter to MKRR, Account in Dispute, Telephone Harassment and doorstep threat.
29th march:
Another letter from MKRR. "Regardless of our attempts to contact you by telephone and letter we still have not received your offer of payment"
29th March:
Letter to them informing them I did write enclosing proof of postage and their signature for receiving it.
4th April:
Letter from MKRR re my letter of 18th I think? Thanking me for taking the time to write, nice, They are unable to resolve the query at this time and will liaise with the OC and get back to me no later than 8 weeks.
5th May:
Another letter from MKDP apologising for the delay in getting information to me. Very similar to the last one.
11th June:
Another letter from MKDP apologising for the delay.
18th July:
Another letter from MKPD again apologising for the delay.
22nd Aug:
Another letter from MKPD again apologising for the delay.
26th Sept:
Another letter from MKPD again apologising for the delay.
1st Nov:
Letter from MKDP enclosing a recon from Barclaycard. Dated 10th June 2013, (Which I never received) Was also a final response from MKDP
15th Nov:
Final Notice from MKRR, As you have not taken up their offer of help, no option but to refer to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation blah blah.
20th Nov:
Threat to commence litigation letter sent.
7th Dec:
Letter from MKPD, Unable to resolve my query. going to conduct a full review and get back to me.

2014

8th Jan:
Letter from MKDP "I write further to our letter of acknowledgement we sent regarding the above account. At this time we must apologise, as we are still unable to resolve your query.
22nd Jan:
Letter from MKDP, They refer me to their final response letter sent Oct 2013 and as their complaints procedure are exhausted, they are unable to enter into any further correspondence regarding this matter.
7th Feb:
Letter from Keynes Collections "Notice of Intended Legal Action" As you have failed to respond to previous correspondence or agree to a payment plan we have been instructed by MKDP LLP to collect the oustanding balance in accordance with your agreement. Lot more on it as well.
10th Feb:
Sent Letter before action letter to Keynes.
12th Feb:
Telephone harassment and in writing only letter sent to Keynes
22nd Feb
Latest from MKDP in reply to my letter to Keynes.
"I understand you have requested further documentation in regards to the Practise-Pre-Action Conduct. You have stated in your correspondence that MKDP LLP have failed to comply with your request under s77; therefore, the account is unenforceable.
I can confirm we have previously supplied you with Statements of Account and a Reconstituted Copy of your Credit Agreement. Your request for a copy of your credit agreement made under s77 of the Consumer Credit Act 1974. Please find below an extract from para 2.17 of Guidance issued by the OFT on s77/78/79 of the Consumer Credit Act 1974. (Usual Bumph then re Carey). Accordingly, the creditor`s duty under s77 has been satisfied and you remain Liable for the above balances in full.
In regards to the further documentation you have required, I can confirm we have requested this from the original creditor and this will be forwarded to you upon receipt. Further to this, you have requested communications between ourselves and the creditor, I must advise we are not obliged to provide you with this documentation" Number to call if I require anything further.
26th Feb:
Letter from MKDP, Further to my request for further documents, they are unable to fulfil my request. Will get back to me once they receive them
27th Feb:
Letter from MKDP re mine regarding telephone harassment.They don`t consider all the call harassment but have removed my number and all communications will be in writing from now on.
4th Mar:
Letter from MKDP enclosing the notice of assignment from B/card dated 28th Feb 2013. Informing me further to my recent communication.
As verified in the enclosed Notice of Assignment, your account has been assigned to MKDP LLP to manage your account. MKDP LLP are now the legal owners of the account and therefore there is no liability towards Barclaycard. Once the account has been settled your credit file will be updated accordingly.
24th March:
Letter from raven recoveries wanting my money.
31st Mar:
Reminder off to Keynes Collections regarding the info asked for in reply to their LBA
31st march:
Letter to Raven SWID
3rd Apr:
Letter from MKDP, apologising but they are still trying to get info from B/card
18th April:
Letter from MKPD with a so called copy of the default notice received.
18th April:
Letter from MKPD enclosing a copy of their letter dated 20th March. Citing Carey, reconstituted agreement etc.
8th May:
Letter from raven recoveries, wanting the full amount paid.
14th may:
Letter to raven, SWID again

Afternoon All,

sent a SWID off to Raven Recoveries for the second time. I had mixed upB/card No`s 2 and 4 but have corrected the diary now.

I hope everyone else is keeping up the good fight.

Many thanks.

[IF]

Re: mehim's UE Diary

Thanks, IF, I must have typed it in wrong, I`m getting access now

Brilliant

[Mehim]

Re: mehim's UE Diary

Thanks, IF, I must have typed it in wrong, I`m getting access now

[IF]

Re: mehim's UE Diary

Hi IF,

I think I was already approved a couple of weeks ago. I was getting into the templates but not now.

Not to worry, i`m sure it will be fixed.

Many thanks

I've just seen you've been a member for over a month, the only thing I can think of is you're putting in the wrong password, have you tried requesting a new one?

[Enforcer]

Re: mehim's UE Diary

See my latest post, they talk crap!

[Mehim]

Re: mehim's UE Diary

Hi IF,

I think I was already approved a couple of weeks ago. I was getting into the templates but not now.

Not to worry, i`m sure it will be fixed.

Many thanks

[IF]

Re: mehim's UE Diary

Arggggggg, I have registered for the templates but now it wont let me access them

I went to re-register incase I`d done it wrong and it tells me my user name is taken lol

Can anyone help me please?

Ty

Hiya Ty, Nid manually approves members to the template section, so no panicking and you'll be accepted soon.


Have a look here -- > http://forums.all-about-debt.co.uk/s...-New-Templates

IF