mehim's UE Diary

[The Tech Clerk]

Re: mehim's UE Diary

Eejits!
When you didn't accept their 'generous' 50% discount offer, did they think you were going to contact them for a little discount on a sporting event?

I'm sure that offer made you pick up the phone and ring them immediately, didn't it?

That time of year again July discount time hahahaha

[Pixie]

Re: mehim's UE Diary

Why bother with 5%, 10%, 30%, 40% or 50% discounts when you can have 100% discount through UE?

[Bricktop]

Re: mehim's UE Diary

Why bother with 5%, 10%, 30%, 40% or 50% discounts when you can have 100% discount through UE?

This

[Mehim]

Re: mehim's UE Diary

Mehim OH Card

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

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

E Mailing Niddy

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

E Mailing Niddy
May 13th:
Ya Beauty, Niddy says wrong terms.
June 22nd:
Letter saying this hasn`t been paid, Been a few calls too but I just tell them "in writing only" and hang up
July 12th:
Letter with Notice of Sum in Arrears
July 12th:
Letter thanking me for one sent 9th May Missing PT`s. saying the documents supplied do comply (not according to the boss hehe) They are satisfied it is kosher and will administer it as normal. They want the OH`s money. Forgot to say that they say they state "We can also confirm that we have not provided you with a reconstituted copy"
July 13th:
Letter re card is in arrears. One comment in this one is "If you do not have a debit card that allows you to make an online or telephone payment, you can use one of the other payment methods detailed in your monthly statement" One of which is pay by credit card.
July 19th:
Letter saying OH is in breach of agreement and a decision has been taken to restrict the account

Afternoon All, hope everyone is doing well.

Letter from MBNA seems they are worried the card might be used and have placed a restriction on it. One does wonder at the level of intullect that these companies seem to apply at times.

I assume I ignore this as well.

Many thanks.

[The Tech Clerk]

Re: mehim's UE Diary

Education to-day =-= ??????????????????? I do not know??????????????

[Mehim]

Re: mehim's UE Diary

Tesco Credit Card

Start: 2006 corrected to 2003
Balance: £7,500
Last Full: 2012
Status: Enforceable but a f*cked up default notice.

2012

Feb 10th:
CCA request letter sent.

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

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

EMAILING NIDDY

March 21st:
2 letters from Tesco, lucky me.
First is telling me they haven`t received a payment. Please contact them.
Second is a default sum notice for £12. That wont be paid either.

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

Niddy says

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

Afternoon Folks,

Latest from Tesco which I think will be filed under ignore, please correct me if I am wrong.

Many thanks

[Never-In-Doubt]

Re: mehim's UE Diary

nope, you're not wrong

[Mehim]

Re: mehim's UE Diary

Evening Everyone,

Got a letter from Barclaycard , think it is in response to the one sent on the 5th of July. They are sorry to learn of my dissatisfaction as the provision of a high level of service is very important to them lol.

It applies to Barclaycards 1,2 and 4, I didn`t think it warranted cluttering up the thread with another three big quotes.

Filed along with the rest.

Many thanks for the help and support.

[Mehim]

Re: mehim's UE Diary

CITI Credit Card

start : Nov 2005
bal : £7,000
last full : Sept 2009
present : not paying
status : default Unenforceable

dca : OPUS Now Cabot

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 CITI, to pass all correspondence from CITI to them ASAP
May 26th
Letter from CMC saying nothing had been received from CITI. They wrote telling them it was unenforceable as CITI 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 CITI 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 CITI 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 CITI 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

Jan 23rd
Letter asking for payment.
Jan 29th
Letter informing me that the complaint was dealt with, also a copy letter sent to the CMC informing them why the case was closed.
Feb 3rd
Letter for payment and informing me that service fees were being added.
Feb 23rd
Letter asking for payment within 7 days.
March 23rd
Letter Pending Default.
April 9th
Letter informing me of account transferring to CC Asset Management Ltd (CCAM)CITI would service the account until the transfer takes place.
May 5th
Letter from CITI defaulting the account dated 5th, remedy date 28th
May 27th
Cabot welcoming letter, informing me that they have bought my account that I held with OPUS Credit Card??
June 4th
CITI Terminated the agreement.
June 25th
Collect Direct demanding payment within 4 days on behalf of CITI
June 30th
Cabot asking for information regarding my query (think I answered the phone to them).
July 2nd
Personal Rep letter from Collect Direct, 5 days to pay.
July 15th
Collect Direct saying they are not going to enter into protracted correspondence with me, I should contact them and that CITI is prepared to offer a substantial discount to settle this account.
July 28th
HL Legal acting on behalf of Collect Direct who are acting on behalf of CITI give me 7 days to pay or they recommend to their client court action.

2011

Aug 18th
Sent SAR to CITI
Aug 24th
Letter from CITI they dont know who I am.
Aug 30th
Sent them name and DOB
Sept 20th
Letter from Cabot, telling me they acquired the original Credit Agreement from OPUS Credit Card. Included was a copy of an OPUS credit card agreement with a card number I had never seen before.
Sept 23rd
Letter from OPUS thanking me for my SAR?? Also included was a copy letter dated 10th August from them informing me that I could not send a SAR to CITI
Oct 3rd
Letter from Cabot putting the account on hold for 14 days.
Oct 17th
Sent Cabot a letter regarding the ones I had received from them, informed them I had never had an account with OPUS, never sent them a SAR
Oct 17th
Sent letter to OPUS pointing out the early dated one, informing them I would be taking no instructions from them on who I could send a SAR to. Also pointed out that this account was in dispute.
Oct 19th
Letter from Cabot saying they believe the information sent resolves the dispute, account on hold a further 14 days.
Oct 21st
Letter from OPUS regarding my complaint.
Oct 23rd
Letter sent to Cabot warning them that I may initiate legal action if they choose to ignore my dispute and attempt enforcement.
Oct 24th
Letter from Cabot confirming that they bought the account may 13th and any dispute is with them. Also included another copy of the OPUS agreement.
Oct26th: Letter from OPUS saying they bought the account from CITI in March
TO BE CONTINUED LATER
Oct 31st
Letter from Cabot saying they have contacted Bank of Scotland (OPUS) for a copy of the agreement
Nov 2nd
Sent letter to data controller at CITI regarding no reply to my SAR
Nov 8th
Letter from Cabot apologising for delay in replying as original lender (CITI, OPUS, Bank of Scotland??? take your pick)was having a delay in retrieving the info.

OPUS called and asked me to verbally request a SAR from them which I did.

Nov 29th
Uncomplete SAR received from OPUS which included a recon OPUS agreement. It also had this in the letter,

"I hope the information that I have provided you will assist you and be beneficial with your current dispute with CITI."

Card number different from the CITI number. Also a recon copy agreement from CITI
Dec 1st
Letter from Cabot apologising for the delay in getting the requested information. "We shall continue to request the information from the original lender."
Dec 13th
More SAR information from OPUS.Statements from Feb 2006. Amazingly, Citi stopped sending statements may 2010, OPUS show them for Oct/Nov 2010 from CITI and then shows statements from OPUS from Jan 2011 to Nov 2011 none of which show penalty interest and none off which I have ever seen before. None of the statements have been sent to me since May 2010

2012

Jan 17th
Letter from Cabot with a recon agreement from OPUS with their card number I have never had. Also a sheet showing penalty interest being added monthly since may 2011. Also referring to my s78 request.
Jan 31st
Letter to CITI regarding my SAR giving them 14 days to send the information or I report them for non-compliance.
Jan 31st
Letter to Cabot pointing out it was their Data Controller who asked me to verbally request a SAR from them, it was not under s78. Asked them to kindly reply to my SAR to CITI which they now appeared to have. Gave them 14 days or reporting them for non-compliance.
Jan 31st
Letter to Data Controller at OPUS pointing out the information I had specifically asked for in the SAR to CITI which they also now seemed to have a copy off.Also about the miraculous statements which they had conjured up, asked for an explanation regarding these mysterious statements. Gave him 14 days to reply and informed him I would be complaining to all the relevant authorities regarding these matters.
Feb 7th
Letter from cabot asking for a tenner for a SAR. Just going to write back telling them to get stuffed that as they know the account is in dispute. Should I be sending CITI another dispute letter re the ignored SAR
Feb 10th
CCA Request sent to CITI, bit late but what the hell. They will be even more confused than me.
Feb 11th
Reply from OPUS re incomplete SAR. they have me confused now. Told me the reason I never got statements during part of 2010 was I had a zero balance lol. I stopped paying in 2009 hmmmmmm
Feb 11th
Letter to Cabot re information not being supplied by all concerned.

EMAILING NIDDY

Feb 11th
Letter to Cabot telling them to get stuffed re another tenner for a SAR
Feb 12th: Letter sent to Opus re UE from Templates.
Feb16th
Letter from Opus, They are unable to trace a copy of the signed application form and rabbiting on about their procedure has always been to obtain a signature before entering into an agreement. I never had a card with Opus, they bought an account from CITI.

EMAILING NIDDY

Niddy says

Feb 20th
Email from Cabot,

"The Cabot Financial Group recently bought the account you held with Opus Credit Card and we`ve tried contact previously. It`s now vital that you contact us urgently to discuss your account.

If you don`t contact us to agree a suitable repayment plan we`ll have to move your account to the next stage of our collections process."
Feb 21st
Sent account in dispute letter to Cabot with a copy of the letter from OPUS.
Feb 21st
Reply from Cabot advising me that they sent a recon true copy of the agreement in January which for the avoidance of doubt complies with the Consumer Credit etc. Still asking for payment.
Feb 24th
Incomplete response to my CCA request. Ignoring till they respond.
Feb 28th:
Another letter from Cabot. A Final Response. Letter at post #87
Feb 29th
Final response template letter sent to Cabot.
March 15th:
Letter from Cabot which included a copy of the letter at post #87. They again say that they wont be corresponding with me in relation to this matter. Oh dear it is now nearly £8000 they want from me.
July 25th:
Letter from CITI, lol, Further to their letter dated 24th August 2011 they are still unable to identify an account with the details furnished and ask again for my full name etc. They want another tenner as they returned my original one.

Evening All,

another strange ONE FROM CITI.

Muppets are saying they cant find an account for me and asking for information they previously asked for on 24th August 2011 and another tenner. I sent them my name and dob and returned the original postal order on the 30th of August 2011.

I have the letter, proof of posting and the electonic signature from royal mail.

What do I do now?
Many thanks.

[Mehim]

Re: mehim's UE Diary

Evening Everyone,

Anything I should do regarding that last letter from CITI in my last post?

I did a SAR in 2011 and thats what it applies too.

Many thanks.

[Undercover Elsa]

Re: mehim's UE Diary

Hi Mehim,
Did you include the original Citi account number on the SAR? and did they cash the PO when you sent it back?
Seems strange that they can't ID it yet they have DCA's chasing you for it.

Maybe scan and send them a copy of a couple of items they (citi) have sent you in the past eg the Default Notice or a statement? They can't argue with that, and if they've "lost" all your info you could then complain to the ICO.

[Mehim]

Re: mehim's UE Diary

Hi Shepherdess,

They were continually sending me and the CMC that I was using at that time, correspondence throughout 2010.

I have no idea if they cashed the PO second time I sent it but they appear to be ignoring that letter.

To be honest I only really wanted the logs so I could check when they sold the account after it was defaulted.

I`ll pop of a reply with the default or something and copies of the second letter and their signature for it.

Many thanks

Had a think about this and decided I`ll send a copy of the second letter which gave my dob and name along with proof of posting and their signing for it. They should have been able to get the information with that. They can whistle for anything else or am I being bad?

[Mehim]

Re: mehim's UE Diary

MBNA Credit Card

start : Sept 2004 Correction Sept 1994
bal : £15,000
last full : Sept 2009
present : not paying
status : default. Copy of original Application. Unenforceable

dca : Experto Credite, Claim Management Consultants

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 15th
Threatogram from MBNA CCJ, Sheriff Court etc
Feb 4th
Nice letter offering help
March 8th
Threatened default if I didn`t pay
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.
May 7th
Letter informing me a default will register for 6 years. Also offering to consider settling the account at a lower amount. Letter was also confirmation of an impending default and contact from third party if I didn`t accept one of the aforementioned options.
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.
Sept 16th
Home Owner Notification

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 20th
Letter from me to CMC, that went bust, returned, no longer there.
April 15th
HL Legal telling me they had instructions to issue proceeding at County Court.
April 28th
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. and a letter on Experto headed paper undated saying they now owned 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
Sent letter to MBNA re no CCA, telling them the account was in dispute still.
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 28th:
Letter from Experto with a CCA, same one MBNA sent in the SAR I asked them for.
I didn`t send a CCA request to Experto, that went to MBNA as the OC. I also corrected the issue date of the card.

EMAILING NIDDY

Niddy says still

March 30th:
Telephone harassment letter sent to CMC.
April 7th:
Letter from Experto apologising for any distress and inconvenience caused.
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.
May 10th:
Statement of Account from Experto.
June 23rd:
Letter from Credit Management Consultants offering 50% reduction if I agree an instalment plan and make the first payment this month
July 13th:
Letter from Credit Management Consultants.
"We have HUGE sporting events lined up this summer, we have decided to offer you HUGE discounts to match these exciting events." Then goes on to offer 5%, 10%, 30%, 40%, and 50% all available only in July.
July 27th:
Letter from Credit Management Consultants, Final Demand in red scary letters (I`m shaking).They are aware I`m resident at the address, thats good cause they normally write to it. If I don`t arrange to pay they will refer for a doorstep cpllection, refer to their legal partner to progress via litigation. Call now to pay by debit or credit card.

Hello All,

latest from CMC since I never took up the discount offers.

Should I hit them with, Doorstep collection, account in dispute and threatening action.

All three would give them some light reading. Thanking you all in advance.

[Mehim]

Re: mehim's UE Diary

Mehim OH Card

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

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

E Mailing Niddy

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

E Mailing Niddy
May 13th:
Ya Beauty, Niddy says wrong terms.
June 22nd:
Letter saying this hasn`t been paid, Been a few calls too but I just tell them "in writing only" and hang up
July 12th:
Letter with Notice of Sum in Arrears
July 12th:
Letter thanking me for one sent 9th May Missing PT`s. saying the documents supplied do comply (not according to the boss hehe) They are satisfied it is kosher and will administer it as normal. They want the OH`s money. Forgot to say that they say they state "We can also confirm that we have not provided you with a reconstituted copy"
July 13th:
Letter re card is in arrears. One comment in this one is "If you do not have a debit card that allows you to make an online or telephone payment, you can use one of the other payment methods detailed in your monthly statement" One of which is pay by credit card.
July 19th:
Letter saying OH is in breach of agreement and a decision has been taken to restrict the account.
July 27th:
Letter from MBNA saying 2 missed payments so they are registering this with the credit reference agencies. They still want money.

Hi Again,

I`m busy today.
Muppets also say that "Unless you have already been notified, we will have to consider withdrawing your credit facility if you do not make an immediate payment."

They cant remember their last letter lol, I assume this one gets ignored.

Many thanks.

[Pixie]

Re: mehim's UE Diary

Hello All,

latest from CMC since I never took up the discount offers.

Should I hit them with, Doorstep collection, account in dispute and threatening action.

All three would give them some light reading. Thanking you all in advance.

You've already sent an account in dispute letter to CMC twice so I would send Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit (remove the bit about the phone calls if they haven't been phoning you)

Of course, you can send all three if you want to baffle them!