Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

usually, no news is good news

Hope mr muddle is a bit better now

Cheers evenlessdopey,

Exactly how we feel, unfortunately mr muddled not too good just now, ups and downs. At least we don't have HBOS on our backs which is a godsend, as before we were guided to AAD and Niddy life just wasn't worth living according to mr muddled.

[MrsD]

Re: Miss Muddle's UE Diary

usually, no news is good news

Hope mr muddle is a bit better now

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Folks,

Thought I would update this thread as haven't posted for ages....hubby been in and out of hospital so haven't had much time to sit and post anything....

Not heard a peep from HBOS regarding Credit Cards or Preference Account, since Niddy through 1st Credit in February, the only conclusion we can come to is that they now realise we have Niddy on our side and they are shit scared....however we did hear from Wescot a few months ago regarding the Overdraft, we requested a copy of the agreement for the Overdraft, but still waiting for copy...

Hopefully I haven't spoken too soon...

[Miss Muddled]

Re: Miss Muddle's UE Diary

You are correct in thinking this however lets see what they come back with..... The DN is funny, that is your saving grace here so keep that and well done

I have not done a letter regards phone calls yet as you have trucall in place thus it's not necessarily harassment.

We'll revisit this in due course if it does start to become a pain, yea I am busy but still, if it needs a letter sending then I'll do it - just PM and tell me and I'll crack on

Hope you're both keeping well...?

Cheers for the reply Niddy, wasn't quite sure how things stood with faulty default notice on an overdraft.

We do realise you are extremely busy, you never seem to stop.....

Truecall machine working no phone calls been let through. Hubby not so good just now, but waiting to hear from a specialist, hopefull soon.
No contact from HBOS regarding other two accounts that you got sent back from 1st Credit.

As soon as we hear from Wescot I shall update thread...

Hope everything well at your end....

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

HBOS - OVERDRAFT -UPDATE

May 2012
Sent letter requesting CCA for this account in February 2012, never heard a dicky bird till this week. Received letter from Wescot stating they are cotacting origial creditor HBOS for information.

Am I correct in thinking Overdrafts are not completely covered by the CCA act, however we do have a default notice from HBOS which they terminated 16 days early of default date, is this to our advantage.

You are correct in thinking this however lets see what they come back with..... The DN is funny, that is your saving grace here so keep that and well done

I have not done a letter regards phone calls yet as you have trucall in place thus it's not necessarily harassment.

We'll revisit this in due course if it does start to become a pain, yea I am busy but still, if it needs a letter sending then I'll do it - just PM and tell me and I'll crack on

Hope you're both keeping well...?

[Miss Muddled]

Re: Miss Muddle's UE Diary

HBOS - OVERDRAFT -UPDATE

May 2012
Sent letter requesting CCA for this account in February 2012, never heard a dicky bird till this week. Received letter from Wescot stating they are cotacting origial creditor HBOS for information.

Am I correct in thinking Overdrafts are not completely covered by the CCA act, however we do have a default notice from HBOS which they terminated 16 days early of default date, is this to our advantage.

[Miss Muddled]

Re: Miss Muddle's UE Diary

HBOS – MASTERCARD UPDATE

OMG...Received letter this morning from Apex Credit Management quoting all different sections of the CCA Act 1974, saying contact them now with offer of payment to prevent further reqcovery action.
As we all know Niddy has deemed this agreement Niddy cahse chased1stCredit with their tail between their legs with the same agreement as this agreement is for two separate Credit cards. One that was assigned to 1st Credit and the other to Apex Credit Management.

Well over the past few weeks Apex has been phoning and phoning, luckily Daughters helped us get a Truecall machine, however received a long and boring letter with yet another copy of the agreement from Apex today stating all different sections of CCA Act1974.

They stated in March they would send to HBOS for copy CCA for them to deal with my queries efficiently, that’s a joke…. we sent Missing Terms and Conditions letter to them in March as advised by Niddy. Definately can't resk a doorstep visit Hubby's Mental and Physical health would not survive that.

Hoping to send letter to Nidd yfor his respected opinion...don't know maybe it
benefit pointing out what he pointed out to 1st Credit.

Will be guided by the Sir... himself

[Miss Muddled]

Re: Miss Muddle's UE Diary

Are you with BT? Can they do call screening? (I know Virgin can't/don't/won't)
Slap 'em with the letter about harassing calls (I'm sure Niddy or someone will post the link)
Complain to OFCOM?

Thanks Pooky Unfortunately not with BT, don't know why Virgin won't supply this service....

Hold fire. News tomorrow regards phone calls etc!!

Just sit tight

Cheers Niddy,

Daughters have just told us they have chipped together to buy us a Truecall machine , we did have one but it broke recently and we couldn't afford to replace it.

[pooky2483]

Re: Miss Muddle's UE Diary

Hold fire. News tomorrow regards phone calls etc!!

Just sit tight

God, Niddy, you love keeping us in suspenders

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

ps I'll sort link for you over the weekend. Just prod me by pm of I forget but it won't be till I've finished what I'm doing thus my last post is kinda vague

Don't worry. Link will be getting a rocket (and some!!). Just try and list the approximate time and date of calls and pm me the list please. Then I'll do you a template - a nice "you dirty bastards better pay me compo or I'll rip your head off and puke down your dead skull" kinda thing

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hold fire. News tomorrow regards phone calls etc!!

Just sit tight

[pooky2483]

Re: Miss Muddle's UE Diary

Are you with BT? Can they do call screening? (I know Virgin can't/don't/won't)
Slap 'em with the letter about harassing calls (I'm sure Niddy or someone will post the link)
Complain to OFCOM?

[Miss Muddled]

Re: Miss Muddle's UE Diary

HBOS - M/C - UPDATE

No more letters or visits as yet, but Apex have been phoning us three times a day for the past 3 - 4 days since they sent us statements for his account which we never requested, still waiting to hear from them regarding their letter saying they would contact HBOS to check queries about CCA obviously the statements are their reply.....Niddy has deemed this agreement 1,000,000%

Phone calls driving hubby mad. we have already advised them
of Hubby's delicate state of mind and health issuesthey are obviously choosing to ignore this.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 6

FIRST NATIONAL – LOAN

Type of account:– LOAN
Date commenced:- FEB 2003
Approx balance:- £600
Last full payment paid:- June 2007
Arrangement or not paying: – Paid arrange £15 per month till Status:- DEFAULTED AUGUST 2007 – DID NOT ALLOW FOR SERVICE DAYS

Account owner:- Assigned to Aktiv Kapital approx October 2007

2007
June - Got into financial difficulty due to giving up work to look after Hubby.
Sept – Received Default Notice only 14 days from date of letter to remedy date, no time for service days.
Oct 2007– July 2010 – Payment Arrangement

2010
July – Dec – Received letters offering 50% discount – couldn’t afford to pay 50%

2011
Jan – Dec 2011 –Received letters offering discounts


2012
February – Received letter from BCW demanding full amount
February – Sent letter requesting CCA from BCW
March - Received from BCW letter stating they would contact AK
April - Sent CCA to Niddy for checking

[CleverClogs (RIP)]

Re: Miss Muddle's UE Diary

It's unlikely that they would send anyone round but, if they did, just tell them to bugger off.

If you can squirt water over the front of their trousers through the letterbox, that's a bonus; if you can tip them sideways into a moat full of ravenous piranha fish, that's even better.