Gusty's UE Diary

[gusty]

This is my first post and I've think I've understood how to do it. I think my story is a familar one looking at the forum. Through a series of events have ended up with a lot on credit and basically robbing Peter to pay Paul.

Have struggled and managed to keep up minimum payments up until now but can't keep it up so after reading this forum have decided to go down the UE route.

Again, probably a familiar story but surprised how unsympathetic the companies are to our plight. With one, I've been with them for almost 25 years but wouldn't help at all.

Anyway on with the next part of listing it all.

Gusty

[gusty]

Re: Gusty's UE Diary

MBNA
Type of account: Credit Card
Date commenced: 2000
Approx balance: £19,500
Date last paid: January 2012
Not paying
Status: In arrears (although credit report still says satisfactory)
Account owner: Lender

February: Sent off for CCA
February: Received CCA
February: A letter and lots of phone calls
February: Sent agreement to Niddy

[gusty]

Re: Gusty's UE Diary

Lloyds
Type of account: Credit Card
Date commenced: 1987
Approx balance: £15,000
Date last paid: January 2012
Not paying
Status: In arrears (again credit report says satisfactory)
Account owner: Lender

January: Sent off for CCA
January: Received CCA
This seems to be a reconstituted one, and they have the original credit limit wrong along with the original interest rate.
February: Letter and lots of phone calls
February: Sent agreement to Niddy

[gusty]

Re: Gusty's UE Diary

Post Office
Type of account: Credit Card
Date commenced: October 2006
Approx balance: £5,000
Date last paid: December, 2011
Not paying
Status: In arrears (Account not showing up on credit report)
Account owner: Lender

February: Sent off for CCA
February: Haven't received anything back yet. Is over 14 days now. Did find a copy of the html page that shows a tick box for applying for the card (so not hopeful).

[gusty]

Re: Gusty's UE Diary

Marks & Spencer
Type of account: Credit Card
Date commenced: October, 2006
Approx balance: £9,000
Date last paid: January, 2012
Not paying
Status: In arrears (Still satisfactory on credit report)
Account owner: Lender

February: Sent away for CCA
February: Recieved CCA
February: No calls yet, but expecting them soon
February: Sent CCA to Niddy

[gusty]

Re: Gusty's UE Diary

Family

Last one and the hardest is money owing to family, included here for completeness
£26,000 to sister in law
£20,000 to father

[what2donext]

Re: Gusty's UE Diary

This is my first post and I've think I've understood how to do it. I think my story is a familar one looking at the forum. Through a series of events have ended up with a lot on credit and basically robbing Peter to pay Paul.

Have struggled and managed to keep up minimum payments up until now but can't keep it up so after reading this forum have decided to go down the UE route.

Again, probably a familiar story but surprised how unsympathetic the companies are to our plight. With one, I've been with them for almost 25 years but wouldn't help at all.

Anyway on with the next part of listing it all.

Gusty

Gusty
Just a quick post to say welcome you are definitely in the right place for help, we were having the same problems as you also but there is light at the end of the tunnel.
Good luck
What2do

[MrsD]

Re: Gusty's UE Diary

welcome to AAD Gusty, you are certainly not alone, however you seem to be very well organised and that can only help you pursue UE, rust me the clerical admin is the worst part!!
Niddy will come back to you when he's had a chance to look at the stuff they've sent you. hang in there, you are in very good hands

[Never-In-Doubt]

Re: Gusty's UE Diary

MBNA
Type of account: Credit Card
Date commenced: 2000
Approx balance: £19,500
Date last paid: January 2012
Not paying
Status: In arrears (although credit report still says satisfactory)
Account owner: Lender

February: Sent off for CCA
February: Received CCA
February: A letter and lots of phone calls
February: Sent agreement to Niddy

This is currently enforceable (sorry to say). All the terms are there linked into the agreement, it actually looks good as far as MBNA stuff goes.

Sorry mate.

[Never-In-Doubt]

Re: Gusty's UE Diary

Lloyds
Type of account: Credit Card
Date commenced: 1987
Approx balance: £15,000
Date last paid: January 2012
Not paying
Status: In arrears (again credit report says satisfactory)
Account owner: Lender

January: Sent off for CCA
January: Received CCA
This seems to be a reconstituted one, and they have the original credit limit wrong along with the original interest rate.
February: Letter and lots of phone calls
February: Sent agreement to Niddy

This is a plain recon and 100% unenforceable - well done

Basically as you've stopped paying, see what happens and in the meantime send this bac: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Best of luck, keep us updated

[Never-In-Doubt]

Re: Gusty's UE Diary

Marks & Spencer
Type of account: Credit Card
Date commenced: October, 2006
Approx balance: £9,000
Date last paid: January, 2012
Not paying
Status: In arrears (Still satisfactory on credit report)
Account owner: Lender

February: Sent away for CCA
February: Recieved CCA
February: No calls yet, but expecting them soon
February: Sent CCA to Niddy

This is currently enforceable (sorry to say). All the terms are there linked into the agreement, it actually looks pretty good to be fair to HSBC/M&S.

Sorry mate.