Mortimer Clarke - Old yorkshire bank credit card

[datxman]

Hi everyone,

 

I need help with Yorkshire bank I have recently fallen behind with my payments, when I say fallen behind I have been about £40 short of the minimum payments, so I phoned the bank and made a arragement with them, however I am still getting on average 15 calls a week from them I have sent in the letter stating that I believe that they are harrasing me and that I request that my phone number be removed from their records.

 

I have recieved a reply today stating that I am only getting the phone calls as I am in arrears and that phoning me is easiest method to contact me. And that they believe the phone calls do not amount to harrasment.

 

Then they go on to say that they have set up a arrangement for me (which I had done already) but this arrangement has now been increased by a extra month - don't know why.

 

What do you think I should do now?:?

[dx100uk]

have they got online banking?

if so

change your numbers to all 0's

works a treat!

 

dx

[datxman]

No I don't I am going to reply to their letter to state that they have harrased me and that I think I am owed a apology at least.

 

What do you think?

 

p.s. thanks for your reply

[datxman]

Hi everyone,

 

I am currently in the process of taking YB to court, however they have issued a notice of default stating if I do not pay with a certain date I will be defaulted and proceedings taken against me. I have sent them a letter stating to pay up or else we go to court, but I am not sure were I stand.

 

:shock:Please help

[evancosmo]

Is the DN being issued solely for bank charges? If it is, check out the library for the templates on dealing with this

[datxman]

Thanks I will have a look at this, however just recieved a letter from solicitors asking for all the money back so going to give it a try anyway.

[datxman]

Hi everyone I have issued court proceedings to yorkshire bank however I am still getting phone calls and treatening letters asking me for all of the outstanding amount from a DCA on the behalf of YB. what can I do I have nowhere to turn.

 

Can they still ask me for the money despite the full amount being in question, I thought they had to wait to see what happened at the court case, we have not had a stay put on it yet, but we are expecting one being requested pretty soon.

 

Thanks in advance:confused:

[Michael Browne]

There are account in dispute letters, which you can edit to suit, here

 

Account in Dispute Letters - Consumer Wiki

[datxman]

Please can anyone help me with this, the account has been passed over to a company called Marlin. I have asked them to send me proof of debt using the template from this site. They have sent statements covering three months a default notice and a agreement (although it appears to be a application form) if you look at the application form / agreement it is very unclear you can make out some of the words but a lot of it is faded.

 

What can I do about it?

 

Please help me out here, I have 5 working days to arrange payment and I dont have it.

 

 

 

 

 

[silverfox1961]

Hi

Firstly, an application form can be an agreement so long as the prescribed terms are contained within the document (either front or back)

 

Secondly, how the hell are you supposed to read that piece of rubbish. It is very blurred and faded. I would be writing back for a clearer copy.

 

Oh yes, the link you posted above still doesn't work.

 

If they are demanding full payment, tell them what you can afford-once they have supplied what you want

[datxman]

Thanks for your reply,

 

We have asked for a clearer copy but they told us that it is on Microfiche and thats as clear as they can get it.

 

What are prescribed terms?

 

Regards

 

Datxman8-)

[dx100uk]

please dont feel threatened by these muppets

 

they are a dca, they have no legal powers and can do nowt to you.

 

your are under no legal obligation to meet their deadline nor to converse with them, particularly on the phone.

 

can you give us a bit of history on the debt and your last financial in/out on it.

 

dx

[datxman]

Hi DX

thanks for your reply.

 

This all started about a year ago when a company who I shall not name but you will proberly know them contacted us saying they can reclaim the charges on the account and that the contract may be unenforceable. we got instructed to stop paying, which was music to our ears as we did not have enough money to pay it as I was out of work for 7 months and times were very tight as we have five children.

Anyway we got notification that the claim was going to court and that we would hear something soon, anyway about 4 months after that we recieved a letter saying that this company had been wound up and that the file would be sent back to us.

We then started to panic as we did not have the cash to pay for this. any about a month ago we got a letter from Marlin saying that they have had the debt assigned to them now and that we needed to start paying, so I asked for proof of debt and we got sent three months statements a default notice and the un-readable application form.

I then requested them to send another copy of the application/agreement form as I could not read the one that they had sent me. And the reply I got back was that was the only one they had, and it was a bad copy as it is stored on microfiche.

These muppets have told us that they have proven the debt and have closed the complaint down and that we need to contact the FSO if we want to take it further.

 

I do not know which way to turn, the debt is 9K and I do not have the money to pay this.

 

Any idea what I can do next.

 

I am trying to post this link again I do not know why it is not posting.

 

 

[datxman]

Hi everyone,

 

Can anyone help me with what needs to be included in a credit agreement?

 

This is for a credit card pre 2007

 

Thanks in advance

[datxman]

Can anyone help me draft a response to a rejection letter asking for a full and final settlement letter.

 

I asked YB to accept a full and final settlement of my credit card account but they sent me a letter back saying they would accept 80% of the total.

 

What can I do now? what letter do I need to send?

[datxman]

I have contacted CCCS and they have done a budget sheet for me, I sent this with a letter offering £10 per month they have cashed the first cheque, but not the second. now I am getting letters from Mortimer and clark saying I have not contacted them and that I have chose to ignore their requests to offer a arrangement to pay this debt.

 

Can anyone help me please.

[datxman]

Hi all,

 

I am looking for some advice after receiving a letter from Mortimer clarke solicitors on behalf of ME III for an old credit card.

 

Over four years ago I had a letter from MC and I sent in a income and expenditure form and offered £10 per month as payment. I have been paying this without fail but today I got a letter saying that they think I can afford more and that if I do not phone them they will take legal action.

 

My family offered to lend me £1500 towards the debt but the debt is £8800 and they refused it as full and final settlement but accepted the £10 per month. They kept sending me letters saying they would clear the debt for 50% of the outstanding amount but I am unable to get any loans etc.

 

I can't afford to pay anymore and I will not phone them.

 

What are my options - shall I just chance it and go to court? Shall I offer the £1500 again (I will need to see if my family can still help me with this) 

 

I am just so worried.

 

Thanks in advance

[dx100uk]

why are you blindly paying a DCA anyway?

 

send them a CCA request

 

dx

 

[datxman]

Hi DX100uk,

 

These people are a nightmare, I am not sure what I am looking for in a CCA which would make it legally binding etc.

 

I will try anything to prevent these from getting anymore from me, I have been honest with them and always paid.

 

What should I be looking for in the CCA

[dx100uk]

get the cca running 

if they rurn anything 

scan it up to PDF

and we'll check it.

 

ive merged a few old threads

seems like all they had in the past was an application form and you wrre told so then to stop

but you appear to vanish everytime and never comeback again for years having not taken the advice given 10yrs ago and several times since

 

this would have been statute barred by now if you'd stopped paying rather than being a DCA cash cow.

 

dx

 

[fkofilee]

Can I see the letter plz?

[datxman]

Here you go

[fkofilee]

So have you been paying with an agreed repayment rate before?

[datxman]

Yes without fail

[dx100uk]

cash cowed.

 

dx