mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Hi Flower,

I read a lot in here, don`t say a lot but I sure read.

I can only thank you for getting me here.

[nanna58]

Re: mehim's UE Diary

Mehim you make i larfff

[Mehim]

Re: mehim's UE Diary

Hi Nanna,

Glad I can help brighten things up a touch for you.

[Mehim]

Re: mehim's UE Diary

No 1 Barclaycard/Monument Credit Card

start : Before 2004, Unsure when
bal : £3,000 Now £3007
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.
12th Sept:
Another letter from Calders with the same as last time.
4th Oct:
Letter from Barclay. Formal demand for payment and notifying me that they intend to file a default at the credit reference agencies.
19th Oct:
Letter from Barclay saying Credit Solutions are now dealing with this one
19th Oct:
CCA Query - Letter Previously Confirming No CCA to Credit Solutions along with Barclay letter admitting no cca
25th Oct:
Letter from Credit Solutions, Formal Demand.
6th Nov:
Reply to the Confirmation of no CCA Template from Credit Solutions.

"I have noted the contents of your letter and can confirm that as we are unable to provide you with the CCA in line with Section 77-79 of the Consumer Credit Act 1974 and therefore the account is now unenforceable at law, however we do urge you to make payments."

Yeah right, gonna run to the bank asap lol

Morning Everyone,

Another bites the dust.

Many, many thanks to Niddy and the rest of the team who help us all out so much.

TY

[Mehim]

Re: mehim's UE Diary

Hi Flower,

That`s the second one I have saying that. Barclay sent me one ages ago regarding the same account. You would think they would learn who is not going to roll over for them.

TY

[SA Gold]

Re: mehim's UE Diary

Excellent news!

[greymatter]

Re: mehim's UE Diary

Great news

[helmsman]

Re: mehim's UE Diary

Morning Everyone,

Another bites the dust.

Many, many thanks to Niddy and the rest of the team who help us all out so much.

TY

Jackpot

[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
8th Sept:
Letter asking me to contact them as they would like to offer assistance to prevent the termination of the agreement
12th Sept:
Notice of sum in arrears, no Office of fair Trading Information sheet included which they say is.
12th Sept:
Letter apologising for the delay in responding to my complaint re telephone calls. They will issue a response by 8th October 2012
14th Sept:
LOL Final response letter responding to the telephone calls complaint. They also ask for income/expenditure information.
7th Nov:
Letter from MBNA with a Default Notice.

Morning All,

Default notice from MBNA.

I`m thinking I just ignore this for now. I intend to SAR them at a later date to check info regarding this. My own 2 MBNA cards, for which I managed to get partial SARs,I was able to pick up that they actually sold on the accounts to Varde prior to the remedy date which I think kinda buggers them.

Please let me know if I should be doing anything else.

Many thanks

EDIT

Having read the included letter properly, there is one para.

"You should pay the amount disclosed on the enclosed Default Notice, by the payment date on this Notice, which will prevent further action.
If full payment of the arrears is not a realistic option, we`ll consider regular monthly payments or even a payment in partial settlement of your balance. Should you be experiencing financial difficulties we`d consider a reduce payment program"

[PlanB]

Re: mehim's UE Diary

I've only had a quick look at that MBNA history but can you say why the account changed from being to ? Another member on here has just received a solicitor's LBA for two of her MBNA accounts which are deemed enforceable so it may make sense for her to take a second look at them in case there is something helpful in hers too

[Mehim]

Re: mehim's UE Diary

Hiya

Ok, I think we may have found something - those terms were NOT from the same period you opened your account, they came from cards after 2002. Yours was 1995.

How do I know this? Cos in my collection I have MBNA terms from 1992-2007 and a simple compare tells me which is which and sorry MBNA, but you actually sent the wrong terms (and if not with yours with the other case which was also UE as their account was from 1999 not even 2002)....

I would therefore say this is currently unenforceable based on the fact I dispute the terms as being relevant to the account and also everything is illegible and so I would send off the missing PT's template and accept this as being

Hi PlanB

above is the relevant post regarding the change from to .

Hope this helps

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

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

2011

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

2012

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

"In your letter you state the account is currently in dispute as they have failed to comply with your request under the Consumer Credit Act 1974. I can confirm that according to the notes on our system prior to receiving tyour above mentioned letter we have not received any request from you under the Consumer Credit Act 1972, however you may have sent this to our client.

In order for us to raise your dispute with our client we require more information regarding your request.

We need to clarify the following:-

Whether you have or have NOT received any documentation from the client since your request was made

Whether you have paid the statutory fee of £100 (your request would not have been processed if this fee was not paid)"

Afternoon All,

Latest from Credit Solutions regarding this account.

Idiots apparently cannot read. The template specifically told them Barclays had failed to respond to my CCA request.

I did get a set of Barclay t&cs for a MDSW credit card in response. This is also the card which they have twice sent me an agreement for a person in Sheffield.

I was considering sending a short note telling them to:-

1) read the letter correctly.
2) Telling them to ask their client what information was sent to me.
3) Again check with their client about the £1.00 fee.

I might as well also inform them I`ll be invoicing them £18.00 per non- essential letter I have to send back to them as I am not prepared to do their work for them at no cost.

Many thanks

[MrsD]

Re: mehim's UE Diary

a wee one liner referring them to your last letter

this is someone just pushing a button for the next mailshot, they are halfwits

[stuffthebanks]

Re: mehim's UE Diary

Morning Everyone,

Another bites the dust.

Many, many thanks to Niddy and the rest of the team who help us all out so much.

TY

Nice one mate..

[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 : 2012
present :Not paying
status : Unenforceable
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."
July 5th:
Sent "Account in Dispute" to Fred
13th August:
Letter from Freds saying account is on hold while they await instructions from the OC
2nd Oct:
Letter from Fred`s.They referred matter to client who confirmed that they do not hold a record of a documentation request made to them (Oh yes they do)
4th Oct:
One liner to Fred`s suggesting they contact their client as I have proof of postage and a signature accepting my request for the CCA
18th Oct:
Letter from Fred, Letter Before Action, dated 16th giving me 7 days to pay
19th Oct:
Sent to Fred`s Threat by Creditor - Threat-o-Gram Letter Before Action
26th Oct:
Letter from Freds,

"We write further to your letter dated 19th October 2012, the content of which has been noted.
We confirm that we are acting on the instructions of our client who believes the outstanding balance is lawfully due to them. We confirm that we are acting in good faith and all our actions have been lawful. We and our client deny harassment ans any such claim will be vigorously defended and you are put to strict proof of such serious allegations.
We refer to our letter dated 1 October 2012, and reiterate that our client has no record of receiving a request for the documents under sections 77-79 of the Consumer Credit Act 1974 from you, Please provide us with evidence of your request together with evidence that the statutory fee was cashed.
In the event that a section 77-79 request has not in fact been or is unaccounted for please submit.resubmit your request to our client direct.
We look forward to hearing from you with confirmation of your position within 14 days. Please note should we not hear from you within this time collection activity may resume."
31st Oct:
Letter to Freds, included copy of original CCA request, proof of posting and their acceptance of same. Also informed them I`d be invoicing them for £18.00 a letter for any more unnecessary ones I needed to send to them
10th Nov:
Letter from Freds.

"We thank you for your recent letter dated 31st October 2012 the contents of which we note but do not accept.
We confirm that we are no longer instructed and the account has been returned to our client and our file is now closed.
We further confirm that we have forwarded your letter to our client for their records and advise that as we have no retainer with you any future invoices will be rejected."

Good morning fellow fighters.

I can certainly say the advice given here does work.

Another runs for cover. I never needed to send an invoice lol. I`ll sit with my feet up and await the next shark.

Many thanks for all the wonderful help and advice we all receive from this great forum team.

TY