Newbee starting Unenforceability

[Scaggy]

Re: Newbee starting Unenforceability

Thank you everyone. Here is an update:

received these letters on 22/02/2012(same day!)
dated 17/2: Advising of issuing Default shortly
dated 18/2efault notice served under section 87(1) CCA

received letter 24/02/2012
letter dated 20/2/2012: Notifying me of default being registered 28 days from receipt of the letter.

Is it right for all of these letters to come together???

Also they have cashed my £1 cheque.

Do I need to reply to the default notice or sit tight and wait for my info ref UE???

I am now very confused as to what to do. They are piling on the letters and the phone calls come every 2 weeks.

Do I keep paying them?????

[Deepie]

Re: Newbee starting Unenforceability

Thank you everyone. Here is an update:

received these letters on 22/02/2012(same day!)
dated 17/2: Advising of issuing Default shortly
dated 18/2efault notice served under section 87(1) CCA

received letter 24/02/2012
letter dated 20/2/2012: Notifying me of default being registered 28 days from receipt of the letter.

Is it right for all of these letters to come together???

Also they have cashed my £1 cheque.

Do I need to reply to the default notice or sit tight and wait for my info ref UE???

I am now very confused as to what to do. They are piling on the letters and the phone calls come every 2 weeks.

Do I keep paying them?????

which account is this ?

[Never-In-Doubt]

Re: Newbee starting Unenforceability

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

Please see the above and complete the fields for EACH of the 4 accounts you have then we will help - right now we cannot possibly consider offering any support as we're plucking at hairs guessing what you're actually up-to.

Thanks.

[Scaggy]

Re: Newbee starting Unenforceability

• Type of account loan
  
  
• Date commenced 2007 Santander (originally Asda)
  
  
• Approx balance £11100
  
  
• Date last paid September 2011
  
  
• Are you on arrangement or not paying Arrangement
  
  
• Status in arrears
  
  
• Account owner lender

Cheque cashed. Recently I received ther following:
received these letters on 22/02/2012(same day!)
dated 17/2: Advising of issuing Default shortly
dated 18/2efault notice served under section 87(1) CCA

received letter 24/02/2012
letter dated 20/2/2012: Notifying me of default being registered 28 days from receipt of the letter.

Is it right for all of these letters to come together???

Also they have cashed my £1 cheque.

Do I need to reply to the default notice or sit tight and wait for my info ref UE???

I am now very confused as to what to do. They are piling on the letters and the phone calls come every 2 weeks.

Do I keep paying them?????



Thanks !

[Scaggy]

Re: Newbee starting Unenforceability

• Type of account loan
  
  
• Date commenced 2008 NRAM (originally Northern Rock)
  
  
• Approx balance £8500
  
  
• Date last paid September 2011
  
  
• Are you on arrangement or not paying Arrangement
  
  
• Status in arrears
  
  
• Account owner lender

UE letter sent. Cheque not cashed yet. If cheque not cashed by Monday will need to cancel it and resend postal order via recorded delivery.

[Scaggy]

Re: Newbee starting Unenforceability

• Type of account credit card
  
  
• Date commenced 2009 Halifax
  
  
• Approx balance £12000
  
  
• Date last paid September 2011
  
  
• Are you on arrangement or not paying Arrangement
  
  
• Status in arrears
  
  
• Account owner lender

UE letter sent. Cheque has been cashed. Waiting for reply.

[Scaggy]

Re: Newbee starting Unenforceability

• Type of account credit card
  
  
• Date commenced 2008 MBNA
  
  
• Approx balance £12000
  
  
• Date last paid September 2011
  
  
• Are you on arrangement or not paying Arrangement
  
  
• Status in arrears
  
  
• Account owner lender

UE letter sent. Cheque not cashed yet. If cheque not cashed by Monday will need to cancel it and resend postal order via recorded delivery.

[SXGuy]

Re: Newbee starting Unenforceability

eek, they all seem post 2007, not sure theres much that can be done with the UE route. Niddy will confirm.

[Never-In-Doubt]

Re: Newbee starting Unenforceability

UE isn't an option here I'm afraid. Post 04/07 is s.127 exempt so no right to claim ue.

Sorry; seems a dmp may be best here.

[CleverClogs (RIP)]

Re: Newbee starting Unenforceability

Basically 99.99% of the good folks on here are in a similar position

I'm not.

Am I the 0.1% or am I excluded from that statistic because I cannot be relied upon to be "good"?

and our hatred for financial institutions binds us together.

That's certainly true.

[CleverClogs (RIP)]

Re: Newbee starting Unenforceability

• Type of account loan
• Date commenced 2008 NRAM (originally Northern Rock)

UE letter sent. Cheque not cashed yet. If cheque not cashed by Monday will need to cancel it and resend postal order via recorded delivery.

• Type of account credit card
• Date commenced 2008 MBNA

UE letter sent. Cheque not cashed yet. If cheque not cashed by Monday will need to cancel it and resend postal order via recorded delivery.

By "UE letter", did you mean your request for the agreement under section 77 (link) or section 78 (link) of the Consumer Credit Act 1974?

Did you send either of those by Recorded Delivery?

[Scaggy]

Re: Newbee starting Unenforceability

By "UE letter", did you mean your request for the agreement under section 77 (link) or section 78 (link) of the Consumer Credit Act 1974?

Did you send either of those by Recorded Delivery?

no I didnt send recorde delivery. Will check and post in a minute about the rest!

I have already gone into arrangement with them all but I am overstretched. I did the arrangement by myself.

Do you think I should contact a DMA and get them to sort?

Are there any you would recommend??

I just want to get control of everything. But I will say Santander have been a pain They call me every 2 weeks for a grilling. I will refrain from talking to them from now on!!

[Scaggy]

Re: Newbee starting Unenforceability

The letter sent was covering section 77-79. I used the template from the site.

[Never-In-Doubt]

Re: Newbee starting Unenforceability

Ahh but they're exempt so forget ue.

We can line you up with a free dmp specialist. Just say the word and I'll on you.

Niddy

[CleverClogs (RIP)]

Re: Newbee starting Unenforceability

I will say Santander have been a pain They call me every 2 weeks for a grilling. I will refrain from talking to them from now on!!

When they call the next time, just bark or yap at them as if you were a dog.