Snudgerchops UE Diary.

[snudgerchops]

Re: Snudgerchops UE Diary.

I don't deserve the thanks snudgerchops, it was Flowerpower

Just staple the envelope to the DN as suggested.

I have corrected my error - I really must stop being a plonker.

Now stapled...........

Thanks Pixie/Flowerpower/everyone.....

[Pixie]

Re: Snudgerchops UE Diary.

I don't deserve the thanks snudgerchops, it was Flowerpower

Just staple the envelope to the DN as suggested.

[snudgerchops]

Re: Snudgerchops UE Diary.

Mercers are in-house Barcraps. I hope you have kept the envelope containing the DN, may be an idea to staple them together as dates are important and, from what I've read on numerous posts, Barcraps/Mercers hardly ever get the DNs right!

It is their duty to serve you with a DN as well as to send statements of account, they're just doing what they're meant to do so there's no need to respond to these documents.

Look at the diaries here and you'll see Barcraps have been unable to supply a CCA in many cases, although they tend to be reluctant to admit it in the first place and just keep people waiting for a long time before telling them "sorry, we can't find it but you still owe... "

If the debt is UE and you're not paying they can add on as much interest as they want. Usually interest should stop after being defaulted. MBNA added it for 6-7 months after I stopped paying but it doesn't matter because I ain't paying. No CCA = no payment so the 'outstanding balance' becomes merely academic.

Thanks Flowerpower as always for the information.

The envelope has no post mark or date on it - TNT mail?? I will keep it though as you have suggested.

Not going to worry about the interest.

Thanks again.

[Pixie]

Re: Snudgerchops UE Diary.

Just keep the default notice safe.

What did you receive back from Barclaycard in response to your cca request?

[snudgerchops]

Re: Snudgerchops UE Diary.

Barclaycard CC


Balance: £8700
Default: Not Defaulted - AP marker on credit file.
Account Opened: 01/2004.

CCA request sent by recorded delivery. 03/03/2012.
Received response to CCA request. Letter dated 22nd March. (This date is outwith the 12+2).

21st May received letter from Mercers - Default notice.

Letter from Mercers. Have served default notice. This is what I wanted so should I just ignore This for now? Barclaycard have never sent me a copy of my CCA?

Also received a statement from Barclaycard - they are whacking on the interest. Should I also just ignore this?

Thanks
Snudgerchops

[Pixie]

Re: Snudgerchops UE Diary.

It's just that I've been where you are now...thinking everything was coming back enforceable, panicking with every dca threat...scared that bully boys were going to turn up at my door...

From experience (and with the support on here), I now know differently.

Anyway, on it being

[snudgerchops]

Re: Snudgerchops UE Diary.

What did I tell you snudgerchops!!

The fact that the cca is signed and dated doesn't mean a thing if the PTs aren't up to scratch.

I should have listened to you.

Your a star too.

Thanks

[Pixie]

Re: Snudgerchops UE Diary.

What did I tell you snudgerchops!!

The fact that the cca is signed and dated doesn't mean a thing if the PTs aren't up to scratch.

[snudgerchops]

Re: Snudgerchops UE Diary.

It looks good from where I'm sitting, i.e. good for you cos it's

This is an old style flyer type and the PT's are quite bad at the best of times, with these they're a joke!

Respond as follows ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Fantastic news - You are a star.

Thanks so much.

[Never-In-Doubt]

Re: Snudgerchops UE Diary.

MBNA CREDIT CARD/EXPERTO CREDITE


Balance: £4300
Default Date: 12/2009
Account Opened: 02/2003

CCA request sent by recorded delivery to Experto Credite. 03/03/2012.
Letter from Experto Credite, dated 5th March 2012, received 7th March. They have requested the information from MBNA. Full details of the letter can be seen by clicking the link in my first post above.

26/04/12 - Letter received from 'Aktiv Kapital', dated 118/04/12. They have bought the debt from Experto.
27/04/12 - Sent in response to above. http://www.all-about-debt.co.uk/templates/unenforceability/s3-t4.php

Letter from Experto Credite: Supplied documentation as requested.

Going to try and scan and upload for Niddy. They have my signature and it is dated.....Not looking to good is it?

It looks good from where I'm sitting, i.e. good for you cos it's

This is an old style flyer type and the PT's are quite bad at the best of times, with these they're a joke!

Respond as follows ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[snudgerchops]

Re: Snudgerchops UE Diary.

so was mine, and had a signature - but is UE. As everyone says, never judge the book by its cover, as each applicant is different.

There is Some information that may be of any help in the meantime, whilst Niddy or someone replies with more information.

Check out AAD forum example agreements - what to look for: allaboutFORUMS - View Single Post - UPDATED - A Full Guide to Unenforceability

Have taken a look, but I'm still not quite sure.

Will wait for Niddy to take a look.

[snudgerchops]

Re: Snudgerchops UE Diary.

so was mine, and had a signature - but is UE. As everyone says, never judge the book by its cover, as each applicant is different.

There is Some information that may be of any help in the meantime, whilst Niddy or someone replies with more information.

Check out AAD forum example agreements - what to look for: allaboutFORUMS - View Single Post - UPDATED - A Full Guide to Unenforceability

Will go and take a look. Thanks very much.

Have emailed copies so fingers crossed.

[5corpio]

Re: Snudgerchops UE Diary.

so was mine, and had a signature - but is UE. As everyone says, never judge the book by its cover, as each applicant is different.

There is Some information that may be of any help in the meantime, whilst Niddy or someone replies with more information.

Check out AAD forum example agreements - what to look for: allaboutFORUMS - View Single Post - UPDATED - A Full Guide to Unenforceability

[snudgerchops]

Re: Snudgerchops UE Diary.

agreements@all-about-debt.co.uk

Thanks

Fingers Crossed

[snudgerchops]

Re: Snudgerchops UE Diary.

Don't be flustered. Have a look here --->Unenforceability Diaries - Read me First! - allaboutFORUMS

Sorry Pixie - Please ignore my PM. i FOUND IT IN THE POST ABOVE.

tHANKS AND SORRY