Weebell's UE Diary

[vint1954]

Re: Weebell's UE Diary

Indeed, keep it very safe along with the envelope that it came in.

Just wait for their next communication then post again.

How about the other accounts, any response?

[MrsD]

Re: Weebell's UE Diary

well done wee bell it is indeed a victory, tape that letter to your bosom, it's your get out of jail free card!!!!!

[IF]

Re: Weebell's UE Diary

Hi All,

Been away for a while OH (Snudgerchops on this site) has been unwell so things have slipped a little bit. He will be on later to update his diary.

Sorry to hear Snudgerchops has been poorly, hope he gets well soon.

Best wishes
IF...x

Is this a victory????

[weebell]

Re: Weebell's UE Diary

Sorry to hear Snudgerchops has been poorly, hope he gets well soon.

Best wishes
IF...x

Thank's IF.

He'll be on later today and will probably explain, it's fair to say that things have taken a toll on us both over the last few months.

That said - Thank's to everyone involved with this site, you are all so helpful, don't know what we would have done without your help.

[weebell]

Re: Weebell's UE Diary

well done wee bell it is indeed a victory, tape that letter to your bosom, it's your get out of jail free card!!!!!

Thank's - considering buying a safe and putting it in the loft - LOL

[Pixie]

Re: Weebell's UE Diary

Please also find enclosed a cheque for £1 refunding the fee paid for this service.

Is this a victory????

It is indeed dance

And they refunded the £1 fee...even better!

Don't panic when another dca gets on the case (as they probably will) Just post when you hear anything.

Good to hear that snudgerchops is on the mend

[Deepie]

Re: Weebell's UE Diary

Result...........well done

[weebell]

Re: Weebell's UE Diary

Hi All, long time no post, hope everyone who remembers me is well?

Received a letter today from Fidelite -(Cabot Financial (Europe) Ltd telling me to contact them within 7 days or else I can expect a doorstep visit. Quite intimidating..

Last payment was February 2012.
Last correspondence was August 2012, copy of letter below stating unenforceable at this time. Letter was from Apex, still have a copy.

Does anyone have any advice?

Thanks in advance for the help.

Weebell


HBOS CREDIT CARD APEX CREDIT MANAGEMENT


Balance: £10,000
Default Date: 05/2008
Account Opened: 09/2000

CCA sent by recorded delivery 03/03/2012

Dear Weebell,

We write further to your recent letter, in which you requested all documentation under the Consumer Credit Act (the act) with regards to your above noted account.

In relation to the afore mentioned account, we can confirm that unfortunately at present we are unable to obtain suitable copies of the required documentation from the original creditor in order to comply with your request. In light of this, we will be removing your account from our normal collection activity.

Although at this time your agreement is unenforcible, we must advise you that the debt still remains, the balance is due ans suitable collection activity may continue despite the unenforceability. We therefore recommend that payments are made in order to reduce your outstanding liability. You should also be advised that at any time we may produce a reconstituted copy of your Agreement, which would restore the enforceability of the Agreement.


Please also find enclosed a cheque for £1 refunding the fee paid for this service.

Is this a victory????

Thanks as always.[/QUOTE]

[nanna58]

Re: Weebell's UE Diary

Hiya welcome back , didn't want to read and run , is this close to SB and are talking delaying tactics ? x
Keep that letter very s afe x

[weebell]

Re: Weebell's UE Diary

Hiya welcome back , didn't want to read and run , is this close to SB and are talking delaying tactics ? x
Keep that letter very s afe x

Hi nanna58, thanks for your reply - you may have received a PM from me as I couldn't post - then realised I had to validate my email address as changed it..Sorry

I'm not sure what to do in terms of delaying tactics. I'm in Scotland so Statute barred I think is 5 years not 6 as in England. Last payment I made was February 2012 - so guess i'm 10 months away?

Not looking forward to a doorstep visit...

Thanks again

Weebell

[nanna58]

Re: Weebell's UE Diary

Scrap my reply then no probs, there is a doorstep template here my be an idea to send that , there was also a short version just incase someone turns up but to be honest they very rarely do, I'll try to find it for you.xxx Meantime have a look in the templates .x

[weebell]

Re: Weebell's UE Diary

Scrap my reply then no probs, there is a doorstep template here my be an idea to send that , there was also a short version just incase someone turns up but to be honest they very rarely do, I'll try to find it for you.xxx Meantime have a look in the templates .x

Superstar - Thank you. I'll go and take a look. x

[MrsD]

Re: Weebell's UE Diary

they very often don't turn up, we had over 30 debts and only ever had two attempts to remove our doorstep, told one to piss off and set the dog on the other, no one ever came back. and I'm in Scotland too.

I wouldn't answer the door to anyone I don't know and if you do by mistake don't talk to them, just shut the door again, they have no power, shouldn't even be on your doorstep without and invitation and if you tell them to go, they need to go. Just don't answer any questions but they probably won't turn up

[weebell]

Re: Weebell's UE Diary

they very often don't turn up, we had over 30 debts and only ever had two attempts to remove our doorstep, told one to piss off and set the dog on the other, no one ever came back. and I'm in Scotland too.

I wouldn't answer the door to anyone I don't know and if you do by mistake don't talk to them, just shut the door again, they have no power, shouldn't even be on your doorstep without and invitation and if you tell them to go, they need to go. Just don't answer any questions but they probably won't turn up

Thank's MrsD, shame you didn't get a video of the dog in action!

So, I'm thinking that maybe I should just ignore the letter I received from them? Anyone have any thoughts?

Thanks in advance.

Weebell

[nanna58]

Re: Weebell's UE Diary

Yep exactly right x