mehim's UE Diary

[Pixie]

Re: mehim's UE Diary

We're not qualified to give advice, just help

It might be an idea to send Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

[Mehim]

Re: mehim's UE Diary

lol all help gratefully received Pixie

ty


Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

Printed, ready to go tomorrow.

many thanks.

[Mehim]

Re: mehim's UE Diary

No 4 Barclaycard Credit Card

start : Sept 2004
bal : £2,400 Now £2484
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them stating they sent me a final response in May, acknowledged the SAR and pointed out the parts of s78 that had been repealed.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
4th Oct:
Letter from Barclay. Formal demand for payment and notifying me that they intend to file a default at the credit reference agencies.
26th Oct:
Letter from Risk Management Alternatives (RMA), This account has been passed to them, usual crap, want to arrange a payment plan to avoid further action. May also instruct Scotcall to visit me.
31st Oct:
Letter from Barclay informing me this has been passed to RMA
31st Oct:
Reply to RMA, account in dispute and Scottish doorstep letter.
17th November:
Letter from NCO? Looks like they are replying for RMA.
"We are in receipt of your recent correspondence relating to the above reference. This matter is being investigated and a detailed response will be provided to you once the investigation is complete."
6th Dec:
Letter from NCO (RMA)Final response, going to resume collection activities. lol, if any further questions please do not hesitate to contact me using the details below.
10th Dec:
CCA Query - Creditor Refusal to Accept UE Status posted off to NCO
17th Dec:
Letter to NCO (RMA) re numerous calls to my mobile dispite them saying in their letter received on the 6th that they would only contact me in writing as requested.

Morning Everyone,

Just a wee update, been reading about that Elephant.

paper trail, paper trail.

[MrsD]

Re: mehim's UE Diary

trumpet trumpet

[ScabHunter]

Re: mehim's UE Diary

17th Dec:
Letter to NCO (RMA) re numerous calls to my mobile despite them saying in their letter received on the 6th that they would only contact me in writing as requested.

Have you got evidence of these calls? It could come in extremely useful if you were ever threatened with legal action in this case.

I have to admit I'm not really familiar with cell phones and what they can record and what they can't. Even if the times only came up on display, it might be possible to scan the display or take a picture of it.

SH

[Mehim]

Re: mehim's UE Diary

Hi SC,
Unfortunately the wamkers call my mobile BUT..... I can copy the screen display which tells me 8 calls. It only gives the last date but at least it tells me how many.
Pity it aint me house phone with truecall.

Many thanks for mentioning the idea of a picture of the screen., I never thought of that myself. (Mental note, Pic of the mobile)

Cheers

[Mehim]

Re: mehim's UE Diary

Afternoon Folks,

I now have a picture of my phone showing 8 calls received from the wankers.

All received after the date on their letter saying they would only communicate in writing as requested.

I`m now going to check all the default notices re the rectification dates etc.

I know the 2 MBNA ones were sold to the Varde Experto lot prior to the rectification date.

I think that might be helpful.

TY
Many thanks

[ken100464]

Re: mehim's UE Diary

All adding to the evidence.

[vint1954]

Re: mehim's UE Diary

You need to look for the date that it was issued against the date for rctification. Also the clause that they state you have defaulted on.

They can sell the debt at any time.

Did you get a termination notice?

[Enforcer]

Re: mehim's UE Diary

I agree, the Elephant thread was absolutely brilliant! Thanks Paul and all of the other members.

[Mehim]

Re: mehim's UE Diary

Hi Vint,

Both MBNA accounts got a default notice dated 4th June 2010, rectification date 22nd June. Both refer to Paragraph 8 of the agreement.They sold both to Experto on the 15th June 2010

No termination notice for either. I was under the impression they couldn`t sell till after the rectification date but I`m no expert. Neither had the OFT info sheet included, they said i should contact them if it wasn`t included. This was my pre AAD days.

many thanks for the advice.

[The Tech Clerk]

Re: mehim's UE Diary

sounds familiar? MBNA actions.

[Mehim]

Re: mehim's UE Diary

Hello Everyone,
Long time since I have been typing.

Just a quickie to let Niddy know it is me on from a strange IP NO

I am in the sun in the Canary Islands for a couple of weeks.

Not a lot else been happening with any of my accounts.

All the best.

[ScabHunter]

Re: mehim's UE Diary

I am in the sun in the Canary Islands for a couple of weeks.

I wish I was there with you! We had some heavy snow yesterday, although it is clearing now. It is a far more constructive way to spend money than giving it to DCA leeches, that's for sure.

Not a lot else been happening with any of my accounts.

All the best.

That is good news also. Let's hope you've got a pollution-free doormat when you get back home again.

And all the best for 2013 to you, Mehim. We'll still be here when you come back nice and refreshed.

SH

[greymatter]

Re: mehim's UE Diary

Bring back a bit of sun please.