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  • Re: mehim's UE Diary

    HI Pixie,

    many thanks, I favour the baffling route lol
    ************************************************** ***********************
    OH`s MBNA

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

    Comment


    • Re: mehim's UE Diary

      Originally posted by Mehim View Post
      HI Pixie,

      many thanks, I favour the baffling route lol
      Let your smile change the world but don't let the world change your smile


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

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

      Comment


      • Re: mehim's UE Diary

        Originally posted by Mehim View Post
        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.
        31st July:
        Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
        Morning Everyone,

        Latest from Tesco, Niddy said this one is EN but The default Notice is faulty, (I think. It gave a number of days not an actual date.)

        Do I need to get this DN checked out? What other action need I take?

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

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

        Comment


        • Re: mehim's UE Diary

          Afternoon All,

          Thanks for the input Flower and everyone else who keeps me right.

          I will be posting the letter tomorrow re Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

          Hopefully that will buy some more time from them.

          I have updated the diary regarding this being sent.

          Again many thanks
          ************************************************** ***********************
          OH`s MBNA

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

          Comment


          • Re: mehim's UE Diary

            Originally posted by Mehim View Post
            No 4 Barclaycard Credit Card

            start : Sept 2004
            bal : £2,400
            last full : 2012
            present : Not paying
            status : Unenforceable

            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
            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.
            Afternoon Everyone,

            Latest from Calders, as I haven`t contacted Mercers, they are now on the case. They want paid, also threaten a doorstep visit.

            I was thinking, the doorstep collection template along with the account in dispute and including a copy of the letter to Mercers and proof of posting.

            Thanks in advance for the help.
            ************************************************** ***********************
            OH`s MBNA

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

            Comment


            • Re: mehim's UE Diary

              Originally posted by Mehim View Post
              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.
              July 28th:
              Sent all three letters to CMC (Doorstep collection, account in dispute and threatening action.)
              5th 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.
              Busy today lol,

              MBNA still wont send me the statements missing from the SARs they sent me. I have a feeling their might be ppi on either the MBNA or Virgin card. I`m not sure if I should bother continuing with this or just letting it go. I did specifically ask for all statements when I sent the SAR but they are conveniently ignoring that fact.

              I have just done the one quote but both MBNA and the MBNA/Virgin diaries are the same for this
              Again any help and suggestions most welcome. TY
              ************************************************** ***********************
              OH`s MBNA

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

              Comment


              • Re: mehim's UE Diary

                Thanks FP,

                I did see that and took a copy for future reference.

                I`ll get that off to them so that they see the forum is keeping abreast of changes in the law lol.
                ************************************************** ***********************
                OH`s MBNA

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

                Comment


                • Re: mehim's UE Diary

                  Originally posted by Mehim View Post
                  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.
                  OPPS, been telling the helpful Kevin from MBNA to F*ck Off each time he calls, also told him to remove the phone number from their system. I thought I had sent the telephone harassment template but I missed it lol.

                  I do tell him to put it in writing and he cant or wont understand that she will not be availlable to chat with him at any time in the future.

                  I`ll get it off this week so that Kevin doesn`t need to listen to me abusing him.

                  Many thanks for all the help
                  Last edited by Mehim; 9 August 2012, 21:24.
                  ************************************************** ***********************
                  OH`s MBNA

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

                  Comment


                  • Re: mehim's UE Diary

                    Originally posted by Mehim View Post
                    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.
                    10th August:
                    Both Telephone harassment and the new Scottish doorstep collection letters sent
                    Morning Folks, I hope we are all bearing up and fighting the good fight.

                    Sent some light reading so poor Kevin gets some peace from me on the phone.

                    Niddy, I will get another small donation off to the site sometime today. You and your team are a godsend to a lot of people.

                    Many thanks mate
                    ************************************************** ***********************
                    OH`s MBNA

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

                    Comment


                    • Re: mehim's UE Diary

                      Originally posted by Mehim View Post
                      No 4 Barclaycard Credit Card

                      start : Sept 2004
                      bal : £2,400
                      last full : 2012
                      present : Not paying
                      status : Unenforceable

                      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
                      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
                      Evening All,

                      I will be posting the doorstep letter etc to Calder tomorrow or Monday. I also informed them that the Account in dispute letter was now for their information and files as well.
                      Be good
                      Last edited by Mehim; 10 August 2012, 20:00.
                      ************************************************** ***********************
                      OH`s MBNA

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

                      Comment


                      • Re: mehim's UE Diary

                        Calders and Mercers are in-house muppets of Barclaycard.
                        Let your smile change the world but don't let the world change your smile


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

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

                        Comment


                        • Re: mehim's UE Diary

                          Hi Pixie,

                          yip I realise that but I don`t think they know I know it lolol
                          ************************************************** ***********************
                          OH`s MBNA

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

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                          • Re: mehim's UE Diary

                            Let your smile change the world but don't let the world change your smile


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                            • Re: mehim's UE Diary

                              Oh they'll know alright. These templates (ie AAD) gets a lot of traffic. I suspect dca's know you guys use templates but so what - if they're accurate. They use em. So can we

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                              • Re: mehim's UE Diary

                                Hi Niddy,

                                my pleasure, it is the least i can do after all the help I have received.
                                ************************************************** ***********************
                                OH`s MBNA

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

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