Which Way to Go?

[Deepie]

Re: Which Way to Go?

Hi. Another update -

Credit card 3 Bank of Scotland. – Taken out early 90's
Balance approx. £13,200
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by Blair Oliver Scott




I have today received a letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12.

This is looking like something of a result, although the positive bits are hedged about with all sorts of caveats. Is it the done thing to upload the whole letter here (minus the personal details, of course)?

Send to Niddy for a look----> agreements@all-about-debt.co.uk

[Still Waving]

Re: Which Way to Go?

Hi. Another update -

Credit card 3 Bank of Scotland. – Taken out early 90's
Balance approx. £13,200
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by Blair Oliver Scott

2/8/12 CCA letter sent.
14/8/12 date of BoS response – Niddy says Unenforceable.
20/8/12 date of letter from Blair Oliver Scott “Contact us within 5 days, or else.”.
28/8/12 Missing Prescribed Terms letter sent to BoS.
29/8/12 Account in Dispute/Harassment & Threat of Doorstep Visit letter sent to Blair O.S.
4/9/12 received letter dated 28/8/12 from Blair O.S. - "Notice of Intended Court Action. Sum claimed due by 4/9/12."


Do I ignore this latest letter for the time being, given that it has probably crossed with my most recent letters to both BoS and Blair?

I have today received a letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12.

This is looking like something of a result, although the positive bits are hedged about with all sorts of caveats. Is it the done thing to upload the whole letter here (minus the personal details, of course)?

[Still Waving]

Re: Which Way to Go?

I would be tempted to do a one liner referring them to your CCA request, they are getting a little ahead of themselves here..............

Thanks MrsD. That's what I'll do, saving the template letters for later on.

[MrsD]

Re: Which Way to Go?

I would be tempted to do a one liner referring them to your CCA request, they are getting a little ahead of themselves here..............

[Still Waving]

Re: Which Way to Go?

Hi. An update -

Update: Reply received from Mint re CCA request. They have returned my postal order, and the gist of their letter is

"I am unable to deal with your request due to, (ticked as appropriate)

s78 request received, however this has been returned to you as we require your signature before we can proceed. Please sign your request for information and return ....."

I am therefore proposing to send the template response covering this scenario.

I sent CCA Request - Demand of Signature by Creditor letter to Mint/RBS on 29/08/12.
Today I received a letter from them dated 05/09/12 - "THIS IS A FINAL DEMAND FOR PAYMENT - We currently require (the full amount) from you. If we do not receive a payment within the next 14 days, the account will be sent to a debt collection agent. Even at this late stage ........ discuss a repayment programme"

Please can you clarify which is the most appropriate Template response to send? If it's CCA Reminder - Unenforceability Threat, I shall have to tweak the final paragraph a little, as I am no longer making payments.

Many thanks.

[MrsD]

Re: Which Way to Go?

I would definitely blag it for all your worth, if we can't believe they actually managed an enforceable one, why should they???

they must be SO used to peeps writing back and telling them their paperwork is a load of old bollocks..................

[Still Waving]

Re: Which Way to Go?

No shit, it's good! Shocking really.....

Do you think you could keep that down a bit?

[Never-In-Doubt]

Re: Which Way to Go?

From MBNA?

I can't believe that either!

No shit, it's good! Shocking really.....

[Still Waving]

Re: Which Way to Go?

Sorry but this is enforceable.

Not the hoped for response. (

Me, I'd just blag it and send off the missing prescribed terms template and see what they want to do next...

That's what I'll do. From the interest rates I was paying they've had their money back anyway.

Thanks Niddy

[Still Waving]

Re: Which Way to Go?

I would send this if it were me----> Threat by Creditor - To Commence Litigation

Thanks in 2 deep, I will

[nightwatch]

Re: Which Way to Go?

Wow

I cannot believe I have just seen an enforceable agreement from 1994 - that has shocked me and must be a first. Sorry but that is actually a good agreement, ie all the terms are present - the additional .pdf means little - the original is the actual problem.

Me, I'd just blag it and send off the missing prescribed terms template and see what they want to do next...

Sorry but this is enforceable.

[Never-In-Doubt]

Re: Which Way to Go?

Update:

I have now received a response from Idem Servicing in respect of one of my MBNA accounts. Sending it to Niddy for an opinion.

Wow

I cannot believe I have just seen an enforceable agreement from 1994 - that has shocked me and must be a first. Sorry but that is actually a good agreement, ie all the terms are present - the additional .pdf means little - the original is the actual problem.

Me, I'd just blag it and send off the missing prescribed terms template and see what they want to do next...

Sorry but this is enforceable.

[Deepie]

Re: Which Way to Go?

2/8/12 CCA letter sent.
14/8/12 date of BoS response – Niddy says Unenforceable.
20/8/12 date of letter from Blair Oliver Scott “Contact us within 5 days, or else.”.
28/8/12 Missing Prescribed Terms letter sent to BoS.
29/8/12 Account in Dispute/Harassment & Threat of Doorstep Visit letter sent to Blair O.S.
4/9/12 received letter dated 28/8/12 from Blair O.S. - "Notice of Intended Court Action. Sum claimed due by 4/9/12."


Do I ignore this latest letter for the time being, given that it has probably crossed with my most recent letters to both BoS and Blair?

I would send this if it were me----> Threat by Creditor - To Commence Litigation

[Still Waving]

Re: Which Way to Go?

Credit card 3 Bank of Scotland. – Taken out during 90's (I think)
Balance approx. £13,200
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by Blair Oliver Scott

2/8/12 CCA letter sent.
14/8/12 date of BoS response – Niddy says Unenforceable.
20/8/12 date of letter from Blair Oliver Scott “Contact us within 5 days, or else.”.
28/8/12 Missing Prescribed Terms letter sent to BoS.
29/8/12 Account in Dispute/Harassment & Threat of Doorstep Visit letter sent to Blair O.S.
4/9/12 received letter dated 28/8/12 from Blair O.S. - "Notice of Intended Court Action. Sum claimed due by 4/9/12."


Do I ignore this latest letter for the time being, given that it has probably crossed with my most recent letters to both BoS and Blair?

[Still Waving]

Re: Which Way to Go?

Update:

I have now received a response from Idem Servicing in respect of one of my MBNA accounts. Sending it to Niddy for an opinion.