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  • #31
    Re: Blagging it?

    It was a loan with clode funding v12 bought by TPI
    The original amount was about £4k and I paid off all but £220 then moved. The sneaky gits came after me threatening all sorts which got my back up somewhat over such a paltry sum when other debts (£5k + £3k + £500) seem to being chased with less vigor by the DCAs Am I bad?
    Last edited by baxta59; 20 June 2012, 18:53.

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    • #32
      Re: Blagging it?

      Originally posted by Never-In-Doubt View Post
      Please clarify when you opened this account...?

      Thanks
      In the wake of the latest from RBS, I am going to check into the Capital One account too as I dont want that coming back to bite me too. I will ask my bank tomorrow when the account was originally opened and when the last payment was made on this.
      Thanks

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      • #33
        Re: Blagging it?

        Originally posted by baxta59 View Post
        In the wake of the latest from RBS, I am going to check into the Capital One account too as I dont want that coming back to bite me too.
        Every cloud has a silver lining

        Comment

        • #34
          Re: Blagging it?

          Originally posted by baxta59 View Post
          In the wake of the latest from RBS, I am going to check into the Capital One account too as I dont want that coming back to bite me too. I will ask my bank tomorrow when the account was originally opened and when the last payment was made on this.
          Thanks
          Is this the one that's just £178? I was going to suggest sending a SAR just in case but probably not worth the £10 plus RD for that amount.

          Comment

          • #35
            Re: Blagging it?

            Originally posted by GetSmart View Post
            Is this the one that's just £178? I was going to suggest sending a SAR just in case but probably not worth the £10 plus RD for that amount.
            I have got myself a bit confused. The other one that concerns me is MBNA NOT Capital One as that was a small amount and they contradicted themselves by sending one letter stating that Capital One do not keep records that far back then a week later coming up with the agreement.
            The MBNA one is for about £3500
            Capital One was £550
            The other one was Clode and youre right, it was about £200

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            • #36
              Re: Blagging it?

              So what's the situation with the MBNA which seems to be the larger one?

              Comment

              • #37
                Re: Blagging it?

                I believe it remains in dispute but as I no longer live at my alternative address and have not had any mail forwarded to me I cannot say the state of play right now. Bryan Carter were dealing with it at the time. Wish I could find my blog on here

                Comment

                • #38
                  Re: Blagging it?

                  Originally posted by baxta59 View Post
                  I believe it remains in dispute but as I no longer live at my alternative address and have not had any mail forwarded to me I cannot say the state of play right now. Bryan Carter were dealing with it at the time. Wish I could find my blog on here
                  Is this the one ?------> RBS & MBNA via Bryan Carter/Arrow Global
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • #39
                    Re: Blagging it?

                    was it a diary baxta?

                    can you remember your user name?

                    edit, Deepie is superman tonight

                    Comment

                    • #40
                      Re: Blagging it?

                      As I suspected, as far as I can tell the MBNA one is still in dispute unless I have missed something somewhere

                      Comment

                      • #41
                        Re: Blagging it?

                        Originally posted by baxta59 View Post
                        As I suspected, as far as I can tell the MBNA one is still in dispute unless I have missed something somewhere
                        Your theory of dispute may not be a valid reason, so not necessarily. Failure to comply with s.78 is not classed as a formal dispute, for example. However if you do not owe the firm any money, and they are hassling you, then yes - you'd have cause to classify it as being in dispute.

                        Regardless, in dispute or not, you need to correspond whether it be sending a holding letter of full reply, each time they write tell us here and we'll try and guide you in the right direction.

                        Some letters you ignore, others you don't
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                        • #42
                          Re: Blagging it?

                          MBNA
                          I am confused again. I thought that if they do not respond as per the cca request or failed in any part of it the the matter enters dispute I am not talking about the RBS one which has the cc claim form issued but another account Nid

                          Comment

                          • #43
                            Re: Blagging it?

                            Originally posted by baxta59 View Post
                            MBNA
                            I am confused again. I thought that if they do not respond as per the cca request or failed in any part of it the the matter enters dispute I am not talking about the RBS one which has the cc claim form issued but another account Nid
                            Well yes, it means they will struggle to enforce but that doesn't necessarily put it into dispute per se. Thing is UE law changes all the time with new cases being brought in the courts. As such what we used to work to may not be the case, sometimes it is beneficial to us and other times to the bank.

                            The thing is does it matter if it is in dispute? No, not at all. If you request a CCA and they fail with any part of it then just wait till they respond next and then send one of the many templates (we'll guide you). And try and keep them at bay for 6 years (until SB).

                            Don't worry too much about the classification of "In Dispute"... It isn't that important really.
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #44
                              Re: Blagging it?

                              how have you got on with this one?
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #45
                                Re: Blagging it?

                                Hi

                                I have been getting mail from a DCA for months that get returned unopened. It was Fairfax but they have started putting bw legal on the envelope along with the usual 'to be opened by the addressee only'

                                Its got to be longer than 6 years. I have a good credit rating now and even got credit for a new car. I am guessing they are trying it on

                                Comment

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