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DoubleU

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About DoubleU

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  1. Thanks Hefty - I didn't mean it the way it looked. If that was on the cards, you would have to come round and revive me with some smelling salts or something stronger. I agree, and I will ignore it. I am sure if they are in the process of taking action, it would not result in anything under the current circumstances. Having just had another look at the letter, I just realise that there is a heading in bold capitals. It reads: YOU HAVE INFORMED US OF THE SALE OF YOUR PROPERTY. This is of-course wrong. I have done no such thing. I told them I have put it on the market, so, I have to draw the
  2. Thanks Hefty - I could not put that better if I tried. I think they are just nosey - not only that, but if at all they would press for reposession - of which there has been no indication whatsoever - they would have to go via the court. I believe that any court would not entertain their case, bankruptcy is simply out of the question, I have wondered whether I should apply, but received a definite NO!!) a) because of the government instructions for reposessions and b) I will be able to pay one and and a half times the standard mortgage once I receive my full wage. I just held back on that, beca
  3. Good morning all! Working on the SAR's and these will go out today or tomorrow. First the good news: I am starting a well paid job on Monday. Hooray! peace at last????) In the meantime I have a small question. I have been talking to my mortgage bank (Halifax) regarding the arrears I have. I have informed them that I will start work on Monday 17th, and that as soon as I know how much I will receive net in my wage packet, I will contact them to make some sort of arrangement about the removal of the arrears. During the conversation, I also told them that my house has been
  4. Hi all, First, Hefty Hippo - I am sitting here red faced - No I have not sent a SAR to Barclays, but in the meantime I have sent out the reply to Mercers. I have had a lot of problems over the past 5 weeks and somehow this (and there is no denying that this is more important) took my eye off the ball. I just hope that I will not pay dearly for my stupid mistake. The SAR WILL go out to Barclaycard this week. Then I also received a letter from Westcots, who have inherited a different case (but exactly the same situation) from Robinson Way, after I sent Robinson Way a letter telling them t
  5. Hi peeps, Well I never . . . Just as I am about to settle down, and in comes the mail. Attached letter received from Mercers. I suppose the action required now, is to send them this? ACCOUNT IN DISPUTE Date: Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I am in receipt of your letter dated XXXXX This account is in dispute with **original creditor** and has been since DATE . Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but a
  6. Hi debt4get, Thanks for your very swift reply. You confirmed what I thought, just hope you will understand that I am still very insecure, especially when a 'new' DCA calls. Although I did not think of Mercers as an integrated part of Barclays, I was aware of it. I just wonder whether, since they present themselves as 'independent' I need to deal with them on an 'independent' basis, whilst in the knowledge that whoever I speak to at Mercers, probably only has to walk 20 yards to speak to all the people I have corresponded with over the past 4 months. Anyway, thanks for th
  7. Good morning all, Below an update on my continuing communications with Barclays. 3 more letters that I should comply, but nothing sent to me that even remotely looks like a credit agreement. I have not ignored their letters and have replied each time that they have not complied with my request under the CCA 1974 and that as a result the account remains officially in dispute. I have also complained to them that the issue is dealt with by a different person on each occasion and that I do not feel confident that that is the best way to deal with my request. All the letters have the same
  8. Hi, Thanks very much for that, I will certainly do that today and see if I can catch the postman. What you say certainly makes sense. Let's see what they will come up with next, although I don't think it will be a copy of the signed agreement after having been sent a CCA and a letter stating the debt was now in dispute because they were in default. Let's see . . . . Thanks diddy!! regards DoubleU
  9. Thanks Diddidicky that tells me I am running ahead of myself and I am in danger of acting prematurely. (that's what unfamiliarity does for you) So, I need to go back a few paces. Apart from the letters that I have received from Barclays, containing a lot of blurp saying that this is all they are going to supply me with (the T & C's that are attached) They have supplied me with nothing that even carries my name or address, other than a monthly statement dated March 2010. Although I suspect these are original 2004 T & C's there is absolutely no proof that they relate to my agreement.
  10. Right, I found the tunnel, there is electricity, but my light is only flickering, So, this is what I understand: You send a CCA and they send a reconstituted agreement and start putting the pressure on again. Unless you want them to take you to court and take a chance that they will produce the original signed agreement in the court (doesn't look good for you) you need to do a SAR in order to make sure that they do not have the original (right??) Then you know for sure, and if they don't supply an original signed agreement in reply to a SAR, then there is little chance they will produce it i
  11. I have just been reading through this thread and I am getting more and more confused. On the one hand, I am told that as a result of the Carey V whoever it was case, the creditors can send a 'reconstituted agreement without a signature and yet I am still reading discussions on whether the documents supplied have the signatures in the right place and or whether they were properly executed or not. Surely if indeed a reconstituted agreement is sufficient for the courts, they can dig up a set of T&C's, put your name on it and that is the end of the whole affair. No further defenses - just pay
  12. I have just been reading through this thread and I am getting more and more confused. On the one hand, I am told that as a result of the Carey V whoever it was case, the creditors can send a 'reconstituted agreement without a signature and yet I am still reading discussions on whether the documents supplied have the signatures in the right place and or whether they were properly executed or not. Surely if indeed a reconstituted agreement is sufficient for the courts, they can dig up a set of T&C's, put your name on it and that is the end of the whole affair. No further defences - just pay
  13. Well, as I said, I follow your advice, and what you are saying makes sense. So, here's to my first SAR. I am saving a bit on suspended payments, so a tenner for a SAR is not entirely wasted. I was wondering when I would have to go for that, and now is the time, by the sound of it. I already have a template, so I'll fill that in and send it off tomorrow. Worrying, but we'll have to adopt the 'stiff upper lip' attitude and go for it. I'll keep all of you posted (of course). By the way Hefty, they have not sent me a reconstituted agreement - just 3 sets of T&C's (mind you, if that is a re
  14. Hi Senior, I decided to leave the 'harrassed' bit of, because you are obviously much more knowledgable on this subject than I am, and therefore much less 'harrassed now(?) Well, I'll follow your and all cagger's advice in the believe that you guys know what and what not to do, and in the process eliminate another sleepless night. Thanks to all of you once again. Best from DoubleU
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