mehim's UE Diary

[MrsD]

Re: mehim's UE Diary

as if I'd sell my beloved doggle!!!

[Mehim]

Re: mehim's UE Diary

The guy visited when I was away and the OH told him when I would be back. I was actually later due to a mate`s passport problems and I missed him again.

He did appear another day and I just told him I had no idea wtf he was on about, that it was all settled as Barclaycard had admitted no agreement. Told him if he returned I was just calling the police, he left apologising, saying he was just the middleman who was told nothing by anyone lol

ty

[Mehim]

Re: mehim's UE Diary

Mehim OH Card

Type : MBNA Credit Card
Start : Nov 1995
Bal : £14,500.00
Last Full : Present
Present : Paying
Status : Up to Date.

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

E Mailing Niddy

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

E Mailing Niddy
May 13th:
Ya Beauty, Niddy says wrong terms.
June 22nd:
Letter saying this hasn`t been paid, Been a few calls too but I just tell them "in writing only" and hang up

Evening everyone, hope all is well with my fellow fighters.

Letter from MBNA saying this hasn`t been paid. I assume I just ignore this one, they haven`t answered the missing prescribed terms one. TY

[Mehim]

Re: mehim's UE Diary

Update on the Barclaycard ones.

Resolve have sent a twat to the door another twice, I`m not sure which account this is for on this occasion, I have previously sent the doorstep collection letter to Resolve and Barclaycard.

Is there a follow up I should send them, it might save the life of the tit coming to my door should I meet him again.

TY

[Mehim]

Re: mehim's UE Diary

Nationwide Credit Card

start : May 2004
bal : £8,000 now £10,400, NOW £9443 Now £9445.46
last full : 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 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.

Undated letter from Nationwide saying Fredrickson are now the account managers and all communication to be made directly with them.

Do I wait for them to contact me or fire of the Account sold in dispute template?

TY

[Pixie]

Re: mehim's UE Diary

MBNA - I'd wait and see what they answer to the Missing PTs letter.

Barclaycards - I would send Our Templates | Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief if it were me.

Fredrickson's - I would wait until they contact you and then send the Account Sold While in Dispute letter.

[Mehim]

Re: mehim's UE Diary

Hi Pixie,
should I also send that one to Resolve as well as Barclaycard?

Many thanks

I`m in Scotland, do I just change England to Scotland in the template? ty

[Pixie]

Re: mehim's UE Diary

I'd send it to Resolve as they're the ones sending the doorstep collectors.

I'm not sure if Scottish Common Law is different to English or not...perhaps you could just delete the 'English' and leave it as 'Common Law' or perhaps you could PM evenlessdopey who might know.

[Mehim]

Re: mehim's UE Diary

Hi Pixie, I don`t think we have trespass law as such up here, normally we just fill them in every time they appear. they soon stop chapping on the door lolol

[Mehim]

Re: mehim's UE Diary

Afternoon All,

I just realised that Nationwide were using KPR who were sent the "Threat by Creditor Threat-o-gram LBA" on the 12th June.

They never replied and it is now Fredrickson who are managing this one.

Many thanks for all the help received.

[MrsD]

Re: mehim's UE Diary

that's good Mehim, it means they got tired of it and passed it on!

as regards common law, the Scottish stuff is quite different and there is actually no law of actual trespass, doesn't stop you telling them to bog off at the door. (I've had three visits I think, two from Scotcall who were gorillas and 1 from resolvecall who nearly wet his knickers when the doggle barked.)

Now if anyone comes to the door who I don't know or expect I just wave them away, with a Queen type flick of the wrist, I can do this because I can see the door from the front lounge and have also been known to rap the upstairs office window and wave them off before they put a foot in the drive. So far no one has argued, apart from the wee resolvecall man who tried to discuss one of Mr D's account in a whisper (as if that made it legal), just shut the door in his face, he was still whispering possibly...........................Just remember they have no rights, are on commission and will try to intimidate you, don't let them.

[Mehim]

Re: mehim's UE Diary

Hi Evenless,

I sometimes think they wait till I go out. Now I have the letters sitting near the door for the OH to pass out. I`ll just wait for him to meet me again.

I got a call from Aktiv and Fredrickson today, lucky me lol. They must get fed up being told in writing only and me refusing security. Fred`s said there was a letter in the post so I`ll wait for that.

TY

[Mehim]

Re: mehim's UE Diary

Nationwide Credit Card

start : May 2004
bal : £8,000 now £10,400, NOW £9443 Now £9445.46
last full : Present
present : paying Not paying
status : Up to Date

dca : None, Now KPR, Now Fredrickson

2011

Dec 14th
Sent SAR to Nationewide.

2012

Jan 5th
Received a reply, same time asking me what I was actually looking for. Ignored that one.
Jan 26th
Received letter telling me to pick up the SAR contents from the local branch as they couldn`t compare my signature with their records.
Jan 26th
Collected incomplete SAR from local branch. Copy of an application form, no agreement.
Jan 31st
Sent a letter complaining about the uncompleted SAR and requesting the missing information.
Feb 3rd
Letter from nationwide in reply to me asking for a copy of the original CCA and the missing statements.
"You have made reference to a signed original CCA, I am afraid I am uncertain as to what exactly you are referring to. The Consumer Credit Act (CCA) is an act of parliament and while all credit agreements are regulated by this, it is not a separate document Nationwide hold and therefore not classed as personal data that we would be in a position to provide.
In respect of missing statements, Nationwide only hold copies of statements for a period of 6 years and therefore regret that we have no additional statements that we are able to provide."
Feb 8th
Reply sent re numpties letter from Nationwide. Also letter to chief exec making a complaint.

EMAILING NIDDY

Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me.
Feb 14th
Reply from Chief Exec`s office re Numpties letter. Apologies but not a lot of anything else. Copy of the application form sent on it`s own yet again. Still waiting for a reply to the CCA request.
Feb 16th
Letter from NW re CCA request, will send to Niddy for his expert eye to look it over.

EMAILIN NIDDY

Niddy says and still

March 8th:
Letter re late Payment. Opps they noticed I didn`t pay it.
March 17th
Letter re late payment.
March 21st:
Sent telephone harassment letter
March 28th:
Letter apologising for all the calls
April 14th:
Letter from them, Notice of Sums in Arrears. They recommend that I contact them to discuss matters. To make an immediate payment by card call the number given.
April 18th:
Letter received,

Collectors have been instructed to recover the debt you owe.

We have now instructed our collectors to visit your home and collect the amount outstanding and to discuss your financial situation. If you do not pay you will be served with a default notice. Ways to pay on the back of letter.
First one is Card Payment.
April 18th:
Sent doorstep collection threat template letter.
April 25th:
Letter received with Default Notice
May 4th:
Letter with a Statement of Means form, wanting me to fill it in and return so they can assess my financial situation.
May 16th:
Final Demand, if I don`t contact them they will instruct KPR Debt Collectors to recover outstanding amount, they may do a doorstep visit and instruct solicitors to take legal action.
May 27th:
Letter from KPR, Final Notice hmmmmm, This is our final letter before legal action commences, as you have ignored previous letters regarding the outstanding sum
June 12th:
Letter to KPR Threat by Creditor Threat-o-gram LBA
June 14th:
Notice of sum in arrears received.
June 27th:
Undated letter from Nationwide informing me that Fredrickson Internation Ltd will now be carrying out the management of this account.
July 4th:
Letter from Fred`s. we want your money. "Payment can be accepted by debit card, credit card or cheque."

Afternoon Folks
First letter from Fred`s, I will respond with Account in dispute as advised earlier.
TY

[The Tech Clerk]

Re: mehim's UE Diary

letter from Freds above thread stating can pay by credit card, naughty naughty, they need to go to specsavers and then read FSA guidelines.

[Mehim]

Re: mehim's UE Diary

LOL yes they all say that in nearly every demand I have had.

Further to Barclaycard 1,2 and 4, I Have sent the "Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief" to both Barclaycard and Resolve. I just left it as common law rather than mention England or Scotland.

Again Many thanks for all the help and advice.