Angelsoxx's UE diary

[angelsoxx]

Re: Angelsoxx's UE diary

DLC/Egg


start: 12/01/2005 (can't find anything earlier on my credit file, but I know it started with an egg card around 2002, then a loan was added around 2003/4 and it was compiled into one big loan at the time of the start date i guess)

Approx balance £19923

Date last paid full amount 2006

04/04/2006

Was on plan with cccs, plan stopped, no longer paying.

Defaulted Jan 2006

Handled by DLC
March 5th cca sent

Under this Egg loan on my credit report, it says "Date Satisfied 31/07/2011"
and then the loan is passed over to Britannica Recoveries S.a.r.l-arrow. I'm guessing Egg sold them the loan in 2011, I haven't had any notice of assignation. Is this right?

Also, the default date was Jan 2006, will this vanish any day now or do I need to do anything?

[angelsoxx]

Re: Angelsoxx's UE diary

Helloooooo

i've received a cc statement from Lloyds for the account which they sent me a UE reconstituted cca- along with missing info and wrong address!
They are still adding interest.
I've already sent the the missing prescribed terms letter so they know the account is in default/dispute. Should I do anything with this statement or do I just ignore it and wait to see what they do next?
Sorry if this seems a silly question, I want to make sure I do everything The Way Of Niddy!

[Deepie]

Re: Angelsoxx's UE diary

Helloooooo

i've received a cc statement from Lloyds for the account which they sent me a UE reconstituted cca- along with missing info and wrong address!
They are still adding interest.
I've already sent the the missing prescribed terms letter so they know the account is in default/dispute. Should I do anything with this statement or do I just ignore it and wait to see what they do next?
Sorry if this seems a silly question, I want to make sure I do everything The Way Of Niddy!

Just ignore .........it's only a statement.....

[angelsoxx]

Re: Angelsoxx's UE diary

I'm all fired up and ready for war-and none of the buggers have gotten back to me!!

[Never-In-Doubt]

Re: Angelsoxx's UE diary

apologies I do have your agreements to go through and will do so this weekend - honest

[Deepie]

Re: Angelsoxx's UE diary

I'm all fired up and ready for war-and none of the buggers have gotten back to me!!

They will..........

[angelsoxx]

Re: Angelsoxx's UE diary

apologies I do have your agreements to go through and will do so this weekend - honest

I meant the creditors, not you guys! That lloyds half-arsed excuse for a cca is the only thing I've had to argue with.

If nothing arrives from the others by Monday, do I send them reminders or do I do nothing until they get in touch? They have all signed for my cca requests so I know they got them.

[angelsoxx]

Re: Angelsoxx's UE diary

lloyds credit card

Start Date 20/02/2002

Current Balance £ 1,395

Date last paid full amount 2006

Default Date 09/11/2011

Was on plan, no longer paying

SCM handling account.

march 2012 cca sent

Letter today addressed to me/the occupier! silly twats asking for me to urgently get in touch our for the current occupier to send them my current address.
Bloody hell, I wrote to them two Weeks ago for a cca! I can't take those morons seriously.

[Never-In-Doubt]

Re: Angelsoxx's UE diary

Letter today addressed to me/the occupier! silly twats asking for me to urgently get in touch our for the current occupier to send them my current address.
Bloody hell, I wrote to them two Weeks ago for a cca! I can't take those morons seriously.

Haha

Now you see why we exist? Cos someone needs to provide a platform for us to take the piss out of incompetent DCA's

Beggars belief doesn't it

[angelsoxx]

Re: Angelsoxx's UE diary

Haha

Now you see why we exist? Cos someone needs to provide a platform for us to take the piss out of incompetent DCA's

Beggars belief doesn't it

I am LOVING it

[angelsoxx]

Re: Angelsoxx's UE diary

Lloyds (previously morgan stanley)

Start Date 03/11/2003

Approx balance £1039

Date last paid full amount 2006

Was on plan with cccs, plan stopped, no longer paying.

Default Date Default Date 17/12/2010

Lloyds handling

March 5th cca sent

26 march, letter from lloyds! Recon cca- again, my current address on it- for a card taken out in 2003... wasn't at this address! Sent to Niddy for professional opinion

[angelsoxx]

Re: Angelsoxx's UE diary

oh, this is interesting, I just noticed in the lovely letter they sent me.. "Failure to make payments under this agreement will result in collection activities and any default may also be reported to credit reference agencies"

It defaulted 2 years ago- and why only threats of dca's? where is the usual threat of court? They claimed ear;ier in the letter that the agreement is full;y enforceable, then why aren't they threatening me like it IS fully enforceable??
Can anyone else smell something, bit like cows, male cows...

[Never-In-Doubt]

Re: Angelsoxx's UE diary

Just ignore them, I wouldn't even respond to this to be honest!

I will check emails later but from what you have said it'll be

[angelsoxx]

Re: Angelsoxx's UE diary

DLC/Egg


start: 12/01/2005 (can't find anything earlier on my credit file, but I know it started with an egg card around 2002, then a loan was added around 2003/4 and it was compiled into one big loan at the time of the start date i guess)

Approx balance £19923

Date last paid full amount 2006

04/04/2006

Was on plan with cccs, plan stopped, no longer paying.

Defaulted Jan 2006

Handled by DLC
March 5th cca sent

can't send me a cca (they signed for my request on the 7th) but they can leave me pissg msgs on my answerphone when they don't get the payment they expect.. Grumble, grumble, mutter...

[angelsoxx]

Re: Angelsoxx's UE diary

Actually, if they don't send it so much the better! They are in default as long as they don't send it which means the account is UE until they send something compliant. With a bit of luck, they may never do!

Don't worry about their messages, you get used to them and they eventually stop ringing. The important thing is they can't take action against you, keep that in mind and it'll cheer you up whenever their messages make you

Thanks Flower
I've spent the last 6 years dreading the phone and the post- my attitude has taken a complete 360 in the last few months, even more so since I was pointed to this awesome forum.

I don't fear them anymore, I now laugh at their empty threats And giggle at the bollocks they write to me. All thanks to you guys!