mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Tesco Credit Card

Start: 2006 corrected to 2003
Balance: £7,500 Now £7965.55
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.
7th August 2012:
Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
17th August:
Another letter from them.

Further action to recover your debt

Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.

If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.

Hi Folks,

more threats from Tesco.

As this is enforceable, should I still be blagging or do I give the wankers £1 a month, that`s all they will ever get from me.

Many thanks.

[Mehim]

Re: mehim's UE Diary

Cheers Flower,

the boss did say to pm him if they got too heavy. I`ll wait and see what comes next. They are telling porkies as I have been writing back to them but as usual they seem to have ignored this contact.

TY

[vint1954]

Re: mehim's UE Diary

Afternoon All,

Letter from MBNA which I assume is ignored. Still getting calls from them, they should be actioning the telephone harassment letter I sent them soon. Poor Kevin wont have me to chat to now.

Many thanks.

Can you still access your account online?

Some years ago, I removed my number and replaced with 00000000000000000

[Mehim]

Re: mehim's UE Diary

Hi Vint,

The OH`s account was never set up for online and I`m not going to chance it now. Kevin called again this morning and actually told me he thinks I`m lying lolol, then he hung up. Just wait till he calls back is all I can say.

Many thanks for all the help and support.

[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.
10th August:
Both Telephone harassment and the new Scottish doorstep collection letters sent
15th August:
3 letters from MBNA sending copies of the last 4 months statements
17th August:
Letter informing OH she is 3 months in arrears.
21st August:
Letter from MBNA saying they are currently investigating the complaint, re calls I think. Keven called twice yesterday and twice was told to F*ck Off as I told lies lol

Morning Everyone,

Latest from MBNA which I`ll file in the ignore bin.

Many thanks

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000
last full : 2012
present : Not paying
status : Barclaycard admit Unenforceable

dca : Mercers

2011

March 29th
BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.
March 29th
Letter received confirming account closure.
April
Called them asking where the Agreement was that they were sending me.
May 9th
Letter received rabbiting on about s78 request, that they will respond ASAP
May 18th
Copy of Barclaycard T&Cs sent re s78 Request?
May 18th
Recon copy of a Providian National Bank agreement sent re s78 request?
Dec 14th
SAR sent to them

2012

Jan 11th
Uncompleted SAR received.
Jan 16th
Letter to them requesting the missing information from the SAR, re original CCA and all statements among other things. Informed them I will be making a complaint if i do not receive this, also threw Ezias V Welsh Minsters back at them.
Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me.
Feb 24th: No response to my CCA request. Ignoring till they respond.
March 6th
Letter Acknowledging my request dated 10th Feb. They are dealing with it and will respond asap
March 12th
Late Payment note with statement.
March 19th
Letter reminding me I haven`t paid.
March 21st
Sent Telephone harassment letter
March 29th
Letter informing me they are dealing with my complaint.
April 3rd
Letter from Barclaycard.

RESULT

"We are currently unable to provide a copy of the credit agreement you entered into. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues."

They have suspended the account because of the significant increased risk that I will cease to make payments. LOL I closed the account a year ago and stopped paying it.

Barclaycard say ya beauty

April 5th
Letter from them with a set of Barclaycard t&c`s, nice of them considering they say it is
April 6th
Another letter from them, saying they have enclosed the information I asked for. Nothing enclosed lol, and no idea which account they mean or what I am supposed to have asked for.
April 14th
Letter (FFS) Reducing my credit limit, also telling me I cant use the card till it is up to date in payments. I closed the account in March 2011
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, pillocks. Asking for payment on a card that Barclays have admitted is Also a default notice.
May 27th:
Letter from Resolve, threatening a doorstep visit. They did visit when I was away. Fuckwit also called today, I told him this was already resolved as Barclaycard had admitted no agreement and if he or anyone else came to my door again, I was just calling the police.
June 12th:
Letter to Mercers with a copy of the letter stating this is from Barclaycard
June 12th:
Letter to Resolvecall with a copy of Barclay`s letter and a leave my doorstep alone letter.
June 13th:
Letter from Mercers ffs wanting paid lol
June 14th:
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.
14th August:
Same letter from Calder as Barclaycard Nos 2 & 4
Also another from Barclaycard saying they are still looking into my complaint.
Doorstep letter to Calder along with my last one to Mercer and a copy of Barclaycard`s admitting
Final Response - UE (No CCA Received) to Barclaycard hopefully to put this to sleep
21st August:
Letter from Barclaycard, re my letter to Resolvecall on 12th June. They tell me that a final response was sent to me on 6th July (not to me it wasn`t). They also mention a response to my comments under s127 and ask me to disregard this "as it was input in to our correspondence in error" letter I enclosed. This latest and the copy of the final response both confirm no CCA

Afternoon All,

Latest from Barclaycard. Think I just ignore this one as they have sent me a copy of the final response letter that I never received. Please correct me if I`m wrong.

Many thanks

[Pixie]

Re: mehim's UE Diary

So they're admitting they've made a cock up?

I think you're right in ignoring this latest letter.

[vint1954]

Re: mehim's UE Diary

I would also wait to see what they send next.

[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.
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.
25th August:
Reply from Experto regarding the letters I sent to Credit Management Consultants. Usual crap re the shit they sent complies with s78, I get the feeling they are trying to reset the clock with this one.

Morning Folks,

Latest from Experto. I think they are trying to reset the clock.

I have been trying to get MBNA to fully respond to my SAR without sucess. This account may have had ppi for the first 3 years which would f*ck them even more if it did. I may be wrong on that but my reading is that they should have sent PT`s for that as well as the card.

I might need Niddy to read this latest letter from Experto and help me with a reply. Also to let me know if I should push for the statements from MBNA who tell me to ask Experto who have told me they do not have all the paperwork for the account.

Should I email the letter to Niddy with an explanation or leave it here for him?

Many thanks.

[Deepie]

Re: mehim's UE Diary

Morning Folks,

Latest from Experto. I think they are trying to reset the clock.

I have been trying to get MBNA to fully respond to my SAR without sucess. This account may have had ppi for the first 3 years which would f*ck them even more if it did. I may be wrong on that but my reading is that they should have sent PT`s for that as well as the card.

I might need Niddy to read this latest letter from Experto and help me with a reply. Also to let me know if I should push for the statements from MBNA who tell me to ask Experto who have told me they do not have all the paperwork for the account.

Should I email the letter to Niddy with an explanation or leave it here for him?

Many thanks.

Send it here---------> agreements@all-about-debt.co.uk
with your username and a brief note............

[Mehim]

Re: mehim's UE Diary

Hi I2D, many thanks will pop it off
TY

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000
last full : 2012
present : Not paying
status : Barclaycard admit Unenforceable

dca : Mercers

2011

March 29th
BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.
March 29th
Letter received confirming account closure.
April
Called them asking where the Agreement was that they were sending me.
May 9th
Letter received rabbiting on about s78 request, that they will respond ASAP
May 18th
Copy of Barclaycard T&Cs sent re s78 Request?
May 18th
Recon copy of a Providian National Bank agreement sent re s78 request?
Dec 14th
SAR sent to them

2012

Jan 11th
Uncompleted SAR received.
Jan 16th
Letter to them requesting the missing information from the SAR, re original CCA and all statements among other things. Informed them I will be making a complaint if i do not receive this, also threw Ezias V Welsh Minsters back at them.
Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me.
Feb 24th: No response to my CCA request. Ignoring till they respond.
March 6th
Letter Acknowledging my request dated 10th Feb. They are dealing with it and will respond asap
March 12th
Late Payment note with statement.
March 19th
Letter reminding me I haven`t paid.
March 21st
Sent Telephone harassment letter
March 29th
Letter informing me they are dealing with my complaint.
April 3rd
Letter from Barclaycard.

RESULT

"We are currently unable to provide a copy of the credit agreement you entered into. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues."

They have suspended the account because of the significant increased risk that I will cease to make payments. LOL I closed the account a year ago and stopped paying it.

Barclaycard say ya beauty

April 5th
Letter from them with a set of Barclaycard t&c`s, nice of them considering they say it is
April 6th
Another letter from them, saying they have enclosed the information I asked for. Nothing enclosed lol, and no idea which account they mean or what I am supposed to have asked for.
April 14th
Letter (FFS) Reducing my credit limit, also telling me I cant use the card till it is up to date in payments. I closed the account in March 2011
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, pillocks. Asking for payment on a card that Barclays have admitted is Also a default notice.
May 27th:
Letter from Resolve, threatening a doorstep visit. They did visit when I was away. Fuckwit also called today, I told him this was already resolved as Barclaycard had admitted no agreement and if he or anyone else came to my door again, I was just calling the police.
June 12th:
Letter to Mercers with a copy of the letter stating this is from Barclaycard
June 12th:
Letter to Resolvecall with a copy of Barclay`s letter and a leave my doorstep alone letter.
June 13th:
Letter from Mercers ffs wanting paid lol
June 14th:
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.
14th August:
Same letter from Calder as Barclaycard Nos 2 & 4
Also another from Barclaycard saying they are still looking into my complaint.
Doorstep letter to Calder along with my last one to Mercer and a copy of Barclaycard`s admitting
Final Response - UE (No CCA Received) to Barclaycard hopefully to put this to sleep
21st August:
Letter from Barclaycard, re my letter to Resolvecall on 12th June. They tell me that a final response was sent to me on 6th July (not to me it wasn`t). They also mention a response to my comments under s127 and ask me to disregard this "as it was input in to our correspondence in error". This latest and the copy of the final response both confirm no CCA
25th August:
Another from B/card re doorstep visit from Resolvecall. Apologising for the upset and inconvenience their contact may have caused. They confirm that Resolvecall are currently not dealing with my accounts.

Hello All,

latest from B/card. I am tempted to write back thanking them for the copy of their final response and confirmation in both letters that this agreement is (received 21st August). To inform them that this is my final response regarding this account. Also, should anyone appear again, who has anything to do with them, wanting my doorstep, I will just call the cops.
Should I do this or not?

[vint1954]

Re: mehim's UE Diary

If you have not already sent final response to BC, then do so. But they have backed off the doorstep visit, so that can be left.

[Never-In-Doubt]

Re: mehim's UE Diary

Morning Folks,

Latest from Experto. I think they are trying to reset the clock.

I have been trying to get MBNA to fully respond to my SAR without sucess. This account may have had ppi for the first 3 years which would f*ck them even more if it did. I may be wrong on that but my reading is that they should have sent PT`s for that as well as the card.

I might need Niddy to read this latest letter from Experto and help me with a reply. Also to let me know if I should push for the statements from MBNA who tell me to ask Experto who have told me they do not have all the paperwork for the account.

Should I email the letter to Niddy with an explanation or leave it here for him?

Many thanks.

Ok well what is strange here is that you never went to the ICO & FOS within the 6 month deadline from their final response regards missing statements. Why?

In essence the past argument is now dead, you need to start afresh - unfortunately - not yet though.

For now I would simply send this back to Experto and see what that does.... ---> http://www.all-about-debt.co.uk/temp...lity/s4-t6.php

Them writing to you does not reset SB so don't worry about that.....

[Never-In-Doubt]

Re: mehim's UE Diary

Hello All,

latest from B/card. I am tempted to write back thanking them for the copy of their final response and confirmation in both letters that this agreement is (received 21st August). To inform them that this is my final response regarding this account. Also, should anyone appear again, who has anything to do with them, wanting my doorstep, I will just call the cops.
Should I do this or not?

No. No need to respond, you have letters confirming they are UE hence if they get snotty and make threats, you copy the letter and send it with one of these.. >> http://www.all-about-debt.co.uk/templates/unenforceability/s2-t7.php