A Ha!

[GlobalC]

Re: A Ha!

wait until Niddy comes back then upload, sounds peculier if you think its from the nineties, do you have anything dating from then? maybe an old statement or something?

Thanks for that, Does seem strange, i cant at the moment find anything from back that far, im wandering if i had cancelled a card and then submitted an application for another, all i know is i definately had a NW credit card back in the 90's as i took it travelling with me round asia which was 1999

[MrsD]

Re: A Ha!

wait until Niddy comes back then upload, sounds peculier if you think its from the nineties, do you have anything dating from then? maybe an old statement or something?

[GlobalC]

Re: A Ha!

Hi all, today i have received my cca from NW, to my surprise it appears that the agreement is from 2005, im sure i had this card back in the 90's! Anyway i guess i should just wait for Niddy to come back to check it over for me. Unfortunately it looks like its going to be enforceable as they have the actual agreement and my signature

[GlobalC]

Re: A Ha!

U should only cease payments if you're happy to.

So from reading that i guess i should make token payments until i have received the cca agreement

[swanfan]

Re: A Ha!

I sent them a letter ( 2nd one ) explaining that it i wanted them to stop charges and interest for a period of 6 months while i get back up and running. They at first wanted me to fill out an I&E sheet which i refused as i stressed that it would be a temporary arrangement ( hopefully! ) They now want me to call them to discuss my options?

Nooo, u don't call them.

You've explained your situation, you could sent the same letter & ask them to reconsider.

[GlobalC]

Re: A Ha!

U could send this to mbna if u haven't already--> Templates - Harassment

I sent them a letter ( 2nd one ) explaining that it i wanted them to stop charges and interest for a period of 6 months while i get back up and running. They at first wanted me to fill out an I&E sheet which i refused as i stressed that it would be a temporary arrangement ( hopefully! ) They now want me to call them to discuss my options?

[swanfan]

Re: A Ha!

Hi swanfan, many thanks for the quick responce, does this mean that the account is in dispute at this time, and should i be making payments still?

U should only cease payments if you're happy to.

[swanfan]

Re: A Ha!

U could send this to mbna if u haven't already--> Templates - Harassment

[GlobalC]

Re: A Ha!

Hi swanfan, many thanks for the quick responce, does this mean that the account is in dispute at this time, and should i be making payments still?

[swanfan]

Re: A Ha!

Nooo, just sit & wait.

[GlobalC]

Re: A Ha!

Hi Guys, well its been 18 days since i sent NW a cca, i havent received anything as yet, just wandering if i should be writting to them again, or just sit and wait?

The other two, mbna want me to phone them and are constantly phoning everyday, so far i have just ignored. The post office seem to be ignoring my letters but as this is unlikely to be UE i have been making payments albeit a bit late! Hope your all well

Global

[MrsD]

Re: A Ha!

your fingers will be in a cramp by the time they get around to producing anything decent!!!

[GlobalC]

Re: A Ha!

done and dusted, fingers crossed guys

[GlobalC]

Re: A Ha!

First thing tommorow i am sending off a cca request to natwest, thanks everyone for your help, looks like im going to be needing a lot more! What a great site guys

[GlobalC]

Re: A Ha!

Well i've just checked credit experian and i cant see a default on there although my score has dropped considerably since last week ( was 954, now 623 ) i wonder if it takes them awwhile to update the records?

Regards to the rest of my debts, i have the virgin card which i think is around 2004 and the PO is around 2007/08, i also have loans which are 2009 and 2010 and overdrafts, so i think its only worth a go with the three credit cards. If i send off a cca request to natwest, i think it will seriously rock the boat as i have 2 overdrafts with them that are maxed and also an old bank account that was a buisness acc for a ltd company this is also 5k in debt but is not solely in my name. Strangely the business stopped last xmas and havent heard a thing!