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Stagparty

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  1. @dx100uk Thanks for the comment. The debt is around 10 years old and I’ve been making payments monthly after verifying it was valid courtesy of some other kind folk on here many years ago. I have sent the CCA request and it was correct.
  2. Thank you for the quick response. I am right in thinking they shouldn’t refuse payment by Postal Order aren’t I?
  3. Hi I have a debt which has recently been transferred to Watch Portfolio to administer on behalf of TTI SPC. The original debt was with Egg for a loan. I think I received a Notice of Assignment years ago from Arrow Global but I might be mistaken but I don’t recall anything telling me it was assigned to TTI SPC. Watch Portfolio have accepted my offer of token payments but will not accept payment by Postal Order. However they will accept a cheque or BACS payment. All my other depts are paid by postal order each month. My mental health is not good and
  4. dx - you're right, this has been going on for years and i'll be eternally grateful for the help i've had and hopefully continue to get. Unfortunately my mental health leaves me very vulnerable at the moment I wasn't aware there had been so many different threads started, please accept my apologies for any inconvenience I've caused and accept my thanks for your help. Ford - I have no idea, the letter is headed "Notice of Intended Legal Action", I've never had any correspondence from Keynes before so I just don't know - however I think I'm probably wise to take it as a genuine threat rath
  5. Thanks again guys for this information. When referring to the pre action protcol do i need to refer to any specific clause or paragraph number? Should I enter MDKP as the payee on the postal order? Do I need to mark it "For CCA request purposes only" so they can't try applying it as a payment against the alleged debt, especially as it is getting close to being Statute Barred?
  6. Thanks again for your help. When replying to Keynes is it worth spelling out to them the dn is defective and MKDP's refusal to deal with the issue will be brought to the Courts attention?
  7. DonkeyB - thanks again for your help. Sorry to be so stupid, I'm still confused about this and haven't slept for worrying about it ( I guess that's one of the reasons the letters are sent) Should I send the CCA Request to Keynes Collections (the ones who I've had this latest letter from) or MKDP?
  8. Nationwide, after many months finally provided all the information needed to satisfy a CCA Request. However the agreement may be defective as I don't believe all the relevant information was contained within the 4 corners. I think I uploaded a copy towards the front of this thread. It also seems as if MKDP send the CCA information piecemeal as part of their response to my complaint. I don't think I have as yet submitted a CCA request to them. Is it still worthwhile doing so? Also it looks like the last payment made was around 5 and a half years ago. Is there any way I could drag
  9. I haven't sent a CCA request to Keynes Collections, I did previously send one to Nationwide. Should I send a CCA request at the same time as invoking the pre action protocols? Thanks very much for your advice!
  10. Sorry to be a pain guys but I've just spent the last couple of hours or so reading various threads and seem to have got myself into a total muddle now. Can someone please check my understanding... It seems as if the "Defective Default Notice" argument is no longer valid and that a creditor can now repeatedly serve one until he gets one right. If this is correct then am I best trying to agree a token payment to MKDP? My personal circumstances and continued ill health mean that I could only afford a token payment (as demonstrated by my monthly payments to other creditors). A
  11. Hi All I wonder if anyone can help on this for me... As a quick recap this relates to a Nationwide Credit Card which was terminated by them using a Defective Default Notice (the correct notice period wasn't given). I accepted their termination in writing and they have passed the account to various Collection Agencies. I've had various correspondence from MKDP and consistently written back to them explaining the dispute etc. They've finally decided to escalate matters and I've today received a letter "Notice of Intended Legal Action" May I please have some urgent advice a
  12. This is the bit that confuses me most.... how can a bank, when the have put in writing that they have terminated the account be able to keep issuing Default Notices until they get one that does comply with the Act. Surely once the account has been terminated it would need the debtors agreement to restart it so that a subsequent DN is compliant? On a separate note, I have requested a copy of the agreement under s77/78 CCA 1974 - it will be very interesting to see whether or not the one produced matches the one Nationwide provided a few years ago!
  13. OK - thanks for the clarification I am pretty certain if NW thought they had a good case they would have pursued it or at least made lots of noise about it over the last 15 to 18 months instead of being totally quiet. There is a suggestion above to re apply for the copy of the original document - is this worth doing even though NW did provide this (am the terms weren't all in the 4 corners) Thanks again guys
  14. Ok, can I please check my understanding here.... An account can no longer be terminated on the back of a defective default notice, even if the creditor says the account has been terminated. But they then can't go to court to have the account enforced - Is this similar in effect to the original credit account being missing prescribed terms (ie the account exists but the Court won't enforce it?) Nationwide obviously realised they had big problems and an unenforceable account here as they went absolutely silent for around 18 months before unloading the account. Am I also right in
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