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  • #16
    Re: KKA's Unenforceability Diary

    Just for background info, when Egg accounts were sold to Citigroup which then sold on to Barclays, lots of documents went missing, hence the struggle to comply with some CCA Requests

    Comment

    • #17
      Re: KKA's Unenforceability Diary

      Elsa
      According to Noddle, 27/06/2005.
      I will upload the document now.
      thanks
      KKA



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      • #18
        Re: KKA's Unenforceability Diary

        Elsa
        I have uploaded the document, could you advise if anyone is available to take a look?
        Many Thanks
        KKA

        Comment

        • #19
          Re: KKA's Unenforceability Diary

          Hi Guys, can anyone confirm if the uploaded document has worked? just looking for some advice on this one thats all.
          Many Thanks
          KKA

          Comment

          • #20
            Re: KKA's Unenforceability Diary

            where did you upload it to please
            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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            • #21
              Re: KKA's Unenforceability Diary

              Yep I can see it. I'll check in the coming days. Don't worry. I'm just very busy - for instance sorting you legal cover etc

              Bear with me a day or two please. I am the only person who can see uploads. If you want Elsa to see it you need to email her.
              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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              • #22
                Re: KKA's Unenforceability Diary

                Originally posted by nightwatch View Post
                where did you upload it to please
                User uploads. It's locked to me
                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

                • #23
                  Re: KKA's Unenforceability Diary

                  Niddy
                  No probs at all, just wanted to make sure it had been uploaded correctly.
                  Look forward to hearing from you.
                  Cheers
                  KKA

                  Comment

                  • #24
                    Re: KKA's Unenforceability Diary

                    Hi All, Just for general info, the document was uploaded and Niddy has advised to send a template letter regarding prescribed terms; this was been sent in response to the recon credit agreement provided by MKDP - i will keep you updated on the response.
                    KKA

                    Comment

                    • #25
                      Re: KKA's Unenforceability Diary

                      Just a general update; the prescribed terms letter was sent as advised by Niddy; a response was received - Do i need to do anything further or just sit and wait?

                      The response was standard...

                      We acknowledge receipt of your dispute and shall endeavour to provide you with a response in due course.

                      MKDP LLP takes great care to ensure that such matters are dealt with in a professional manner and as such, we will be conducting a thorough review, which may include liaising with your original creditor. We can confirm that until such time that we are able to provide you with a satisfactory resolution, your account will be placed on hold and all collections activity will be suspended.

                      KKA

                      Comment

                      • #26
                        Re: KKA's Unenforceability Diary

                        No need to do anything, just sit and wait and see what they send next. It will probably be a letter to say that they've complied with CCA 1974 but let's wait and see.
                        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

                        • #27
                          Re: KKA's Unenforceability Diary

                          Hi
                          Just a quick update on this one.
                          I sent the prescribed terms letter as advised.
                          Following the initial response, I received an additional letter 4 weeks after stating they are still attempting to deal with the dispute.
                          I have now received a further letter stating the same again, however this time it also has the following statement.
                          'As we have not been unable to provide you with a final response within the time stipulated in the complaint handling rules, your may now refer the matter to the financial ombudsmen service'. They also enclosed a leaflet for information.
                          It then goes on to say we will however continue to investigate the matter and shall issue a response to you upon receipt of the required information from the original creditor.

                          Do i need to do anything further at this stage of just keep quiet?
                          Thanks for your help.
                          KKA

                          Comment

                          • #28
                            Re: KKA's Unenforceability Diary

                            Personally I would just keep quiet.
                            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

                            • #29
                              Re: KKA's Unenforceability Diary

                              Originally posted by Pixie View Post
                              Personally I would just keep quiet.
                              +1

                              All they are doing are informing you of the process, which is that as they have failed to address your complaint within the statutory timeframe, you now can complain to the FOS.

                              Time is your friend so the longer it takes them to address things, the closer you are to SB.
                              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                              The consumer is that sleeping giant.!!


                              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

                              • #30
                                Re: KKA's Unenforceability Diary

                                Do nothing. Wait for next letter.
                                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

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