mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Hi again, this is the letter I got from Cabot regarding the CITI/CCAM/OPUS/ Progresive Credit LTD (Pick a name)

Dear Mr

Re OPUS Credit Card

I am writing further to your letter received on 4th September 2013, which has been referred to me by Financial Investigations and Recoveries Ltd ("FIRE") for a response.

Our understanding of your complaint

You state that this account is formally in dispute with CitiFinancial as they failed to comply with your request for information under section 77/78 of the Consumer Credit Act 1974 ("CCA") and as such believe the account is unenforceable.

Our Investigation

Upon reviewing our records, it would appear that we have previously addressed your concerns and have provided all relevant information to you in response to a request for information made directly to us. I have enclosed further copies of both our correspondence and the relevant information for your reference.

With regard to your comments that CitiFinancial failed to comply with your request for information under the CCA, please forward on to us any copies of the relevant documentation supporting this or provide details of the date of the original request that was made to them to enable me to investigate with them further.

Conclusion

We have complied with your request for information and have no evidence that this account is in formal dispute with CitiFinancial and therefore, your agreement is currently enforceable. This means that we are able to obtain a County Court Judgement against you. However, we would prefer that you work with us to set up a repayment plan to settle the outstanding balance.

Please be advised that your account has now been returned to us by FIRE for further administration.

Please note that, under the terms of our Complaints Procedure, this is our final response. If you remain dissatisfied, you may refer your complaint to the FInancial Ombudsman Service ("FOS"), within six months from the date of this letter. For more information please read the enclosed guide "Your Complaint and the Ombudsman". However as your complaint relates to the enforceability of the credit agreement, the FOS may be unable to assist you as this is not within their jurisdiction.

I trust I have clarified your concerns.


Do I need to respond to this or just wait for the next instalment?

Many thanks for all the help received.

[Mehim]

Re: mehim's UE Diary

Morning All,

got another gift voucher from Aktiv re the virgin/MBNA account.

Filed and ignored.

[Mehim]

Re: mehim's UE Diary

CITI Credit Card

start : Nov 2005
bal : £7,000 Now £7900+
last full : Sept 2009
present : not paying
status : default Unenforceable

dca : OPUS Now Cabot

2009

Feb 25th
I contacted a Claims Management Company.
Mar 15th
I agreed to sign up for 3 cards.
Mar
Letter from CMC advising me claim was going ahead and not to sign anything from CITI, to pass all correspondence from CITI to them ASAP
May 26th
Letter from CMC saying nothing had been received from CITI. They wrote telling them it was unenforceable as CITI had not complied within the time limit. Told me I could stop paying but would get loads of hassle. I kept paying meantime.
Loads of calls from CITI which I stonewalled referring them to the CMC
Aug 26th
Letter from solicitors acting on behalf of the CMC informing me that they would be writing to CITI asking for the account to be cancelled, if not they would be raising a court action.
Oct 1st
Letter from CMC saying they had the paperwork from CITI and the agreement was unenforceable. Again said I could stop paying it but I would get loads of hassle and they would default me. I stopped paying

2010

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

2011

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.
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.
Aug 18th
Sent SAR to CITI
Aug 24th
Letter from CITI they dont know who I am.
Aug 30th
Sent them name and DOB
Sept 20th
Letter from Cabot, telling me they acquired the original Credit Agreement from OPUS Credit Card. Included was a copy of an OPUS credit card agreement with a card number I had never seen before.
Sept 23rd
Letter from OPUS thanking me for my SAR?? Also included was a copy letter dated 10th August from them informing me that I could not send a SAR to CITI
Oct 3rd
Letter from Cabot putting the account on hold for 14 days.
Oct 17th
Sent Cabot a letter regarding the ones I had received from them, informed them I had never had an account with OPUS, never sent them a SAR
Oct 17th
Sent letter to OPUS pointing out the early dated one, informing them I would be taking no instructions from them on who I could send a SAR to. Also pointed out that this account was in dispute.
Oct 19th
Letter from Cabot saying they believe the information sent resolves the dispute, account on hold a further 14 days.
Oct 21st
Letter from OPUS regarding my complaint.
Oct 23rd
Letter sent to Cabot warning them that I may initiate legal action if they choose to ignore my dispute and attempt enforcement.
Oct 24th
Letter from Cabot confirming that they bought the account may 13th and any dispute is with them. Also included another copy of the OPUS agreement.
Oct26th:
Letter from OPUS saying they bought the account from CITI in March
Oct 31st
Letter from Cabot saying they have contacted Bank of Scotland (OPUS) for a copy of the agreement
Nov 2nd
Sent letter to data controller at CITI regarding no reply to my SAR
Nov 8th
Letter from Cabot apologising for delay in replying as original lender (CITI, OPUS, Bank of Scotland??? take your pick)was having a delay in retrieving the info.
OPUS called and asked me to verbally request a SAR from them which I did.
Nov 29th
Uncomplete SAR received from OPUS which included a recon OPUS agreement. It also had this in the letter,

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

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

2012

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

EMAILING NIDDY

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

EMAILING NIDDY

Niddy says

Feb 20th
Email from Cabot,

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

If you don`t contact us to agree a suitable repayment plan we`ll have to move your account to the next stage of our collections process."
Feb 21st
Sent account in dispute letter to Cabot with a copy of the letter from OPUS.
Feb 21st
Reply from Cabot advising me that they sent a recon true copy of the agreement in January which for the avoidance of doubt complies with the Consumer Credit etc. Still asking for payment.
Feb 24th
Incomplete response to my CCA request. Ignoring till they respond.
Feb 28th:
Another letter from Cabot. A Final Response. Letter at post #87
Feb 29th
Final response template letter sent to Cabot.
March 15th:
Letter from Cabot which included a copy of the letter at post #87. They again say that they wont be corresponding with me in relation to this matter. Oh dear it is now nearly £8000 they want from me.
July 25th:
Letter from CITI, lol, Further to their letter dated 24th August 2011 they are still unable to identify an account with the details furnished and ask again for my full name etc. They want another tenner as they returned my original one.
July 28th:
Replied with a copy of the 30th August letter along with proof of posting and their signature accepting the letter.
16th Oct:
Letter from CITI enclosing statements for the account they couldn`t find.

2013

7th Feb:
Letter from Cabot informing me that they recently bought the account that I held with Opus and we have tried to contact you??
16th Feb:
Letter to Cabot informing them the dispute is still ongoing.
1st March:
Letter from Cabot "Please call urgently and speak to one of their helpful customer advisors (SIC) regarding this account."
5th May:
Letter from Cabot offering 30% discount if I respond within 30 days from the day of the letter which is actually 26th April, yet received only today.
25th June:
Letter from Cabot telling me I owe money and they want a commitment to repay. If not they are going to move it to the next stage of their collection process.
30th Aug:
Letter from FIRE. NOTIFICATION OF INSTRUCTION TO COLLECT. due to my failure to pay this (alleged) debt, FIRE have been instructed by their client, CABOT FINANCIAL, to recover the full outstanding balance.
2nd Sept:
SWID off to Fire.
12th Sept:
Letter from fire in reply to my SWID, they are going to conduct a thorough investigation then come back asking me for cash lol
4th Oct:
Letter from Cabot referring to my SWID sent to FIRE. Upon reviewing their records they have addressed my concerns. With regard to my comments re CITI they want me to copy relevant documentation to them to enable them to investigate this further. This is their final response again lol.

Took me a few days to digest all the shit Cabot sent me in this letter. They are magicians, they have produced a recon for an agreement with CCAM (Progressive Credit Ltd wtf are they?) and a recon for CITI. I know CITI sold to OPUS but I have lost rack.

I also know I never signed any agreement with CCAM or Progresive Credit LTD. so where this recon comes from god only knows.

Not sure where I go with this one apart from ignoring it and going away on holiday.

Any suggestions gratefully received.

[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.
DCA: Allied International Credit, now Fredrickson International Limited, now Wescot

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.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

2013

27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
29th March:
Account in Dispute and In Writing Only, off to Freds
13th April:
Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
30th April:
Letter to Freds in reply to their one dated 12th April
10th May:
Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
23rd May:
Another letter from Fred`s, ffs they don`t allow much time to respond.

Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
5th June:
Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place, no chit sherlock
27th June:
Latest from Fred`s, despite previous correspondence I have failed (miserably I might say) to discharge this debt with their client.
4th July:
Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
9th Aug:
Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
21st Sept:
Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
26th Sept:
Letter from Tesco informing me that Wescot are now dealing with this .
28th Sept:
Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
4th Oct:
Sent SWID and telephone harassment letter for good measure
10th Oct:
Letter from Wescot, FINAL NOTICE oh dear, Please do not ignore this letter as this could result in further action being taken to recover the debt (alleged)

Busy post this week lol.

Another threat from Wescot, crossed in the post with my SWID.

I`ll file and ignore and await the next one.

Many thanks.

[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, Now Wescot

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."
13th Nov:
Another letter from Freds,

"we refer to your recent communication.
Please note we are no longer instructed in connection with this matter and have returned the account to our client."
28th Nov:
Letter from Nationwide.
"We have received a letter from you, via Fredrickson International requesting a copy of the agreement for the above account"

EMAILING NIDDY

No changeSill

2013

22nd April:
Letter from Nationwide, informing me that Wescot Credit Services are now managing this one.
29th April:
Letter from Wescot, pay us, we want money.
8th May:
Letter to Wescot, sold in dispute.
10th May:
Letter from Wescot, FINAL DEMAND in oh so scary red letters.
17th May:
Letter from Wescot offering a 50% reduced settlement offer
5th June:
Letter from Wescot, The opportunity to take control of your outstanding balance.
17th June:
Letter from Wescot Advising me that they are gonna steal my doorstep through some crowd called Credit Security.I have a final opportunity to avoid referral to Credit Security.
19th June:
Letter to Wescot re leave me doorstep alone and a gentle reminder to read my letter of 18th May
28th June:
Letter from Credit Security Ltd, yippeeeee gonna have a visitor
4th July:
Doorstep theft threat letter to Credit Security.
8th July:
Letter from Wescot, hehe, they do not have a record of receiving correspondence dated 8th may from me. (tough titty, I have proof they signed for it)
14th July:
Letter to Wescot sending them a copy of proof of posting and the electronic sig they gave for receiving my letter of the 8th May.
18th July:
Letter from Credit Security Ltd in reply to my doorstep threat dated 4th July. They are unable to come collect my doorstep as they are no longer instructed in this matter.
25th July:
Letter from Wescot acknowledging that I have raised a request for documentation and it may take several weeks to get the information back from their client.
3 Aug:
Letter from Wescot re Credit Card Agreement. They say Nationwide sent me a copy in November 2012. Pay us the money.
6thAug:
all-about-debt.co.uk/inde...e-cca-received tweaked and sent to Wescot.
18th AUg:
Letter from Wescot, re mine of the 6th. Everything on hold till they contact their client.
31st Aug:
Letter from Wescot,
We refer to your recent communication regarding the above account, please find enclosed copy application form as requested. Payment is now required.
2nd Sept:
Letter to Wescot re Application Form Received.
11th Sept:
Letter from Wescot, everything on hold again till they contact their client, this might take several weeks.
10th Oct:
Letter from Wescot referring to my recent communication, awaiting information from their client and will get back to me.

Afternoon All, another letter from Wesot thanking me for writing. they are waiting on their client getting back to them.

Filed and ignored.

Many thanks for all the help received.

[Mehim]

Re: mehim's UE Diary

OK Niddy,

thanks for all the help. I`ll await their next move.

TY

[Never-In-Doubt]

Re: mehim's UE Diary

Right been thinking about your case with the wrong cca's.

Technically the account is UE as a result because you NEVER agreed to anything they've sent you. How could you of when it's not you.

I think I'd be prone to wait for THEIR next move being honest. They can't enforce; they're unlikely to write it off and likely to remedy if you tell them their error. It may be best playing along with the normal UE process for now...

[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.
DCA: Allied International Credit, now Fredrickson International Limited

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.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

2013

27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
29th March:
Account in Dispute and In Writing Only, off to Freds
13th April:
Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
30th April:
Letter to Freds in reply to their one dated 12th April
10th May:
Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
23rd May:
Another letter from Fred`s, ffs they don`t allow much time to respond.

Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
5th June:
Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place, no chit sherlock
27th June:
Latest from Fred`s, despite previous correspondence I have failed (miserably I might say) to discharge this debt with their client.
4th July:
Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
9th Aug:
Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
21st Sept:
Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
26th Sept:
Letter from Tesco informing me that Wescot are now dealing with this .
28th Sept:
Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
4th Oct:
Sent SWID and telephone harassment letter for good measure

Morning all,
sent the above to Wescot for their eejits to read.

Many thanks for all the help.

[Mehim]

Re: mehim's UE Diary

Morning Niddy,

no worries mate, hopefully it will take all of 5 years for them to sort it out .

Many thanks.

[Never-In-Doubt]

Re: mehim's UE Diary

will sort your thing tomorrow mate - need some info from Paul etc first and he's busy

[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.
DCA: Allied International Credit, now Fredrickson International Limited

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.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

2013

27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
29th March:
Account in Dispute and In Writing Only, off to Freds
13th April:
Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
30th April:
Letter to Freds in reply to their one dated 12th April
10th May:
Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was cpmplied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
23rd May:
Another letter from Fred`s, ffs they don`t allow much time to respond.

Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
5th June:
Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place, no chit sherlock
27th June:
Latest from Fred`s, despite previous correspondence I have failed (miserably I might say) to discharge this debt with their client.
4th July:
Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
9th Aug:
Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
21st Sept:
Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
26th Sept:
Letter from Tesco informing me that Wescot are now dealing with this .
28th Sept:
Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.

Evening All,

well Wescot didn`t hang about, got a letter from them wanting my money. They can whistle.

Will get SWID off to them when I get around to it.

Many thanks for all the help.

[Mehim]

Re: mehim's UE Diary

Morning Everyone,,

some wee updates arrived this morning. Tesco (post 34) have sacked Fred`s by the look of it as they have appointed Wescot to deal now.
Will await contact.

MKDP apologise for the delay again with B/card (post 8)

FFS MKDP have again apologised for B/card (post 6), Maybe they have realised they are in the shit with this one as Niddy is dealing personally with this one. Mind you we haven`t replied to their forged recon yet. They may be psychic lol.

Many, many thanks for all the help myself and everyone else receives from Niddy and the site team.

TY

[The Tech Clerk]

Re: mehim's UE Diary

Gift voucher indeed! What a bloody joke!

go to their site and see their offers (NOT) the longer it takes youto repay them the less discount, they paylittle for an acount an hope to make 99% + profit they are assos

[Pip]

Re: mehim's UE Diary

Afternoon Everyone, Latest from Aktiv, another £3700+ gift voucher.

Gift voucher indeed! What a bloody joke!

[Mehim]

Re: mehim's UE Diary

Both sent to you Niddy.

Many thanks for all the help.