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  • #1

    kaypump UE journey

    I have had some default on loan and cc, just thought it is about time to try the un-enforceability route.

    List of account

    Llyods (Fairfax Solicitors): Status - Default 2011
    CCA sent out 28/08/13
    Response : Fairfax has passed the queries to Lloyds, account put on hold.
    Reminder sent 02/10/2013


    Barclays: Status - Default 2011
    CCA sent out 28/08/13
    No Response yet
    Reminder sent on 02/10/2013


    Natwest: Status-Default 2010
    CCA sent out 02/10/2013
    Awaiting response


    MBNA: Status-Default 2011
    CCA sent out 02/10/2013
    Awaiting response


    Mint: Status-Default 2010
    CCA sent out 02/10/2013
    Awaiting response


    Will keep this diary updated as thing unfold.
    Tags: account, accounts, block, cca, cca request, debt, default, details, house, lloyds, loan, missing, natwest, niddy, on hold, personal, personal details, signature, solicitors, template, terms and condition
  • #2
    Re: kaypump UE journey

    Well done on starting your diary...

    Would be best to have a separate post for each account.

    I see you sent Reminders on two accounts. If it were me I'd not chase them just wait, there in default of your CCA request by not responding.
    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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    • #3
      Re: kaypump UE journey

      Progress on CCA

      So far Natwest is the only one that has responded back with something.
      However, they just sent a random terms and condition without my signature together with an account statement.

      My question to the house is; can they just send a terms and condition or it has to be the one i signed when taking up the loan.

      I will be very grateful for comments.

      Many thanks

      Comment

      • #4
        Re: kaypump UE journey

        Hi kaypump. Send whatever you've received to Niddy - see here

        Remember not to block anything out, even personal details. Only Niddy can see the paperwork.
        Let your smile change the world but don't let the world change your smile

        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

        • #5
          Re: kaypump UE journey

          Emailed Niddy

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          • #6
            Re: kaypump UE journey

            Originally posted by kaypump View Post
            Emailed Niddy
            replied

            its UE until they comply with s.77/78. Send missing PT's template.
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