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  • #46
    Re: Snudgerchops UE Diary.

    Originally posted by snudgerchops View Post

    Going to try and scan and upload for Niddy. They have my signature and it is dated.....Not looking to good is it?
    So was my MBNA cca - but it was unenforceable

    Don't worry about it. Let Niddy see it (email it to him with your username in the subject line)
    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.

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    • #47
      Re: Snudgerchops UE Diary.

      Originally posted by Pixie View Post
      So was my MBNA cca - but it was unenforceable

      Don't worry about it. Let Niddy see it (email it to him with your username in the subject line)
      Sorry - all flustered - What email address should I send it too? I can't find it....

      Comment

      • #48
        Re: Snudgerchops UE Diary.

        Originally posted by snudgerchops View Post
        Sorry - all flustered - What email address should I send it too? I can't find it....
        agreements@all-about-debt.co.uk
        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

        • #49
          Re: Snudgerchops UE Diary.

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

          • #50
            Re: Snudgerchops UE Diary.

            Originally posted by Pixie View Post
            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

            Comment

            • #51
              Re: Snudgerchops UE Diary.

              Originally posted by in 2 deep View Post
              agreements@all-about-debt.co.uk
              Thanks

              Fingers Crossed

              Comment

              • #52
                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
                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

                • #53
                  Re: Snudgerchops UE Diary.

                  Originally posted by 5corpio View Post
                  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.

                  Comment

                  • #54
                    Re: Snudgerchops UE Diary.

                    Originally posted by 5corpio View Post
                    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.

                    Comment

                    • #55
                      Re: Snudgerchops UE Diary.

                      Originally posted by snudgerchops View Post
                      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.
                      Originally posted by snudgerchops View Post
                      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
                      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

                      • #56
                        Re: Snudgerchops UE Diary.

                        Originally posted by Never-In-Doubt View Post
                        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.

                        Comment

                        • #57
                          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.
                          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

                          • #58
                            Re: Snudgerchops UE Diary.

                            Originally posted by Pixie View Post
                            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

                            Comment

                            • #59
                              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
                              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

                              • #60
                                Re: Snudgerchops UE Diary.

                                Originally posted by snudgerchops View Post
                                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
                                Last edited by snudgerchops; 29 May 2012, 09:32.

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