Hi Everyone,

I requested a copy of my CCA on 4th December and received this reply from them. Would appreciate any opinions from others who have dealt with this company. It is currently up to date but they wrote to me a while ago closing the account, without any valid reason.

I wasn't bothered about it being closed but want to try a F & F in order to get it out of the way if possible.

MONUMENT REPLY - 16TH DEC.pdf

REPLY CARD.pdf

T & C'S - ORIGINAL.pdf

T & C'S CURRENT.pdf

i would say no

thats an application card not a cca.

dx

you might find this thread useful

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/219457-barclaycard-questioner-no-1-a.html#post2661645

dx

I agree, it is an application form with the terms and conditions.

Thanks DX and Blueda,

I knew there was a connection to BC, but this was originally with Providian.

Am I safe with the 'offsetting rule' as BC were never the original creditor?

I remember asking many times over the phone for details of the payment break plan but nothing ever materialised. So maybe SAR next to see how much I have paid on this and look to reclaim.

Unless any other suggestions.

Send for the subject access reqeust, and dont speak to them on the phone, all correspondence in writing from now on and keep a file of it all.

Thank you Blueda,

Back on my cases now!

Will do SAR this week and possibly put account in dispute and stop payments from this month. Never been missed before but so fed up with the extortionate charges and would try to negotiate F & F ultimately.

Anyone else had any success with F & F for Monument?

Keeping my Credit file good, was so important to me a few months ago but I really don't see that it matters too much nowadays as from my experience getting further credit would be difficult in the current climate anyway.

I have never had any dealings with monument, i have had reduced settlements as full and final settlements arranged through a debt management company, which with the help on this site you can do on your own.

Hi Blueda,

I am subbing to a lot of F & F threads on here, I have tried with Halifax but no joy so far, although they have greatly reduced the interest rate (written confirmation still awaited).

Tried with one of my MBNA cards after being given a contact by a successful Cagger, but it didn't work for me, although it appears that quite a few have been successful with them. Anyway have now decided that until they produce a valid CCA, I will not be speaking to them again!

Do you mind me asking who you had results with?

Hi Blueda,

 

I am subbing to a lot of F & F threads on here, I have tried with Halifax but no joy so far, although they have greatly reduced the interest rate (written confirmation still awaited).

 

Tried with one of my MBNA cards after being given a contact by a successful Cagger, but it didn't work for me, although it appears that quite a few have been successful with them. Anyway have now decided that until they produce a valid CCA, I will not be speaking to them again!

 

Do you mind me asking who you had results with?

Aktiv Kapital £1,153 settled for £440.00 Westcot £1,123 settled for £730.00 Barclaycard £2,079 settled for £831.00. An example of a settlment letter " Dear mr Blueda

We have received your payment in full and final settlement and the account is now considered settled. No action will be taken about any remaining balance.

The credit reference agencies will be notified accordingly ".

Dotty, make sure you destroy the credit cards before taking action.

Thanks for that info Blueda,

Aktiv & Wescot, are they DCA's? I have seen these names on other threads, who were the original creditors?

Hope you don't mind all the questions!

Thanks for that info Blueda,

 

Aktiv & Wescot, are they DCA's? I have seen these names on other threads, who were the original creditors?

 

Hope you don't mind all the questions!

Aktiv and Westcot are DCAs who purchased the accounts Aktiv ( Time retail ) Westcot ( stylecard ).

Thanks again, Blueda.

I see conflicting experience on here, some people seem to get better offers of F & F from the original creditors, then others state it is easier once the debt has been sold, I guess it just depends on the CCC or DCA.

I have now done SAR to send tomorrow, also preparing dispute letter, just need a little guidance on the wording regarding the fact that they have sent me what they believe is the CCA.

The other CCC's which I have put into dispute, I had not received anything at all so that was simpler to sort.

The standard follow up letter with a mention that what they have sent is not a valid CCA copy is what you need to send.

I will get it prepared to send of tomorrow.

Thanks again Blueda.

No problem Dotty, keep us posted.

Easier said than done!

I have been going round in circles trying to decide what to send. All the letters I have saved whilst reading threads on here do not really seem applicable for one reason or another.

Monument did reply (just) in the statutory time but not with anything I believe to be enforcible, although they differ in opinion.

The ones I have put into dispute so far have either not supplied anything or sent unreadable copies so that doesn't apply here.

I have looked in the library but still unsure.

Any further guidance would be appreciated.

Or do I send one of these?

A possible letter sent when an agreement received is questionable.doc

FAILURE TO PRODUCE REQUIRED DOCS.doc

2nd att

though it don't matter as they will disregard it anyway

dx

Hi DX and thank you.

Yes I expect to be ignored, I just want to ensure that I get it as right as possible, have done a few letters this week for other cards and it was all starting to get a bit blurry!

And without any alcohol! At the time anyway.

I agree with dx100uk , send the 2nd attachment and by 1st class recorded delivery.

Hi All,

Sent this today, a bit of a variation but gets to the point and as you say, DX, likely to be ignored anyway!

Thanks for everyone's comments and assistance.

ACCOUNT IN DISPUTE - with deletions.doc

Hi All,

 

Sent this today, a bit of a variation but gets to the point and as you say, DX, likely to be ignored anyway!

 

Thanks for everyone's comments and assistance.

That is a very good letter Dotty,they can ignore it if they choose but will get the message when the payments are stopped.

Well it's only due to the letters I have read on here, I save any that I think may be of use at some point and adapt accordingly, must admit I was getting in a bit of a tiz last night trying to decide how to word it, but got there in the end.

Have had a response to a SAR on one of my other cards today, Capital one so will have my work cut out this weekend to decide where to go next with it.

SAR reply today, how quick is that?

Will scan letter asap but only sent more T & C's (slightly different to he ones sent in reply to my CCA request, 3 General workscreen printouts, 10 pages of transactions, from 2003 to 2009 (Account opened in 2001) and 19 pages of.............. not really sure just a sort of tracking sheet from Feb 03 to Dec 2009. No details of application, not even the 'reply card' that they had supplied in my CCA request. Nothing relating to the Payment Break Plan that they are charging.

Perhaps they rushed it!

Hi, anyone still subbing?

This is the letter that they sent, I think I have read that they only need to go back so far, so how do you work out claim for PPI (or Payment Break Plan, as they call it!)? It assume it was paid from the start but it stopped in May 07! The sheets they sent with the SAR shows calls they made to me when I was a bit late with some payments but no call referring to cancellation of the PPI, very strange!

Does anyone have any ideas, how to proceed? I have already put the account in dispute.

REPLY TO SAR - with deletions.pdf