Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi pooky2483,

If Ihadn't been guided on to AAD when I was, My Daughters or I would not have my Hubby here with us today, this site is a life saver.

and Niddy, promise absolutely NO OFFERS OF PAYMENT....AGREEMENT UE.

(Sorry couldn't multiple quote, still need 'L' plates)

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Have been pondering whether to send medical evidence or not...was going send PM to ask....won't need to bother now

Nope, they do not have any right to see this, only a court can ask for it - anyway, the accounts are UE right? So you won't be making any offers to pay so the medical records are somewhat irrelevant, right?

[pooky2483]

Re: Miss Muddle's UE Diary

They certainly are a great team on here, and not just Niddy & the Mods (Sounds like a Rock Group ) it's help from everyone else who's in the same boat as us (Well, it's NEARLY a boat lol).

If it wasn’t for me coming on here and having my eyes opened, I wouldn’t be doing what I'm doing on THIS THREAD and hopefully reclaiming rather a lot of money, as if I'd have stayed on GAC (Sorry, a bit sick there lol) I would not have had the idea planted in my head that I could apply for the charges back of all the Banks I had accounts at.

[Miss Muddled]

Re: Miss Muddle's UE Diary

They have no bearing whatsoever as to the reason your hubby has a proxy to deal with any of his affairs.

They certainly will not have access to Hubby's medical records now Niddy has deemed agreements UE....was a bit scared at first (just like you hiding behind sofa, love it...) now with all the help we have been getting from Niddy and everyone else on here its giving me the confidence to stand up to them, Hubby on the other hand is still far to delicate to get involved at the moment, hopefully through time.

This forum has such a warmth feeling about it, its like one big happy family (as Shepherdess put it) and I feel so lucky and priviledge to be part of it.

[pooky2483]

Re: Miss Muddle's UE Diary

They have no bearing whatsoever as to the reason your hubby has a proxy to deal with any of his affairs.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hence they ain't gettin any medical records neither

Have been pondering whether to send medical evidence or not...was going send PM to ask....won't need to bother now

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hence they ain't gettin any medical records neither

[Miss Muddled]

Re: Miss Muddle's UE Diary

Leave it. It's ue as long as they're in default.

Ok Niddy....will leave in file till we hear anything from Wesclots.

I can see Niddy says it's UE.
What they ask in March, for your Hubbys medical records on his condition, that has feck all to do with the debt, especially if it's just in your name.

Maybe should have made myself clearer in first post....these debts are all in Hubby's name, he's not well enough to deal with them himself.
Hence why they are asking for medical evidence.

[pooky2483]

Re: Miss Muddle's UE Diary

HBOS – MASTERCARD CREDIT CARD

Type of account:– BOS CREDIT CARD
Date commenced:- MARCH 1996
Approx balance:- £11,500
Last full payment paid:- 2009
Arrangement or not paying: – Had an arrangement with Apex Credit Management for reduced payments in Dec 2008 for approx 6 months

Status:- No Default on Experian – Never received a Default Notice or Termination Letter, I would say approx going by statements default approx March 2008.

Account owner:- Apex Credit Management – Assigned October 2008

2012
February - Sent letter advising of Hubby’s Medical circumstances.
March - Received letter from Apex they have sent for another copy of the CCA to BOS to check queries and require documentation of Hubbys medical condition.

I can see Niddy says it's UE.
What they ask in March, for your Hubbys medical records on his condition, that has feck all to do with the debt, especially if it's just in your name.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

BOS OVERDRAFT - UPDATE

March 2012
Sent CCA rquest to Wescot for BOS Overdraft Account at end of February, no response from them as yet, no acknowledgement, should they have acknowledge our request. According to Royal Mail site they received CCA request 1/3/12.....not sure if I should write again or just wait and see....

Leave it. It's ue as long as they're in default.

[CleverClogs (RIP)]

Re: Miss Muddle's UE Diary

This account (the visa & mastercard) are BOTH 1,000,000% unenforceable

That is impossible, as it would be 100,000 times entirety.

Are there really 100,000 faults in it?

[Miss Muddled]

Re: Miss Muddle's UE Diary

BOS OVERDRAFT - UPDATE

March 2012
Sent CCA rquest to Wescot for BOS Overdraft Account at end of February, no response from them as yet, no acknowledgement, should they have acknowledge our request. According to Royal Mail site they received CCA request 1/3/12.....not sure if I should write again or just wait and see....

[Miss Muddled]

Re: Miss Muddle's UE Diary

How long can a creditor chase a debt?

This is dependent on the type of debt you have. The most common form of debt which people ask about in our forum is unsecured debts eg credit cards, personal loans, store cards, catalogues, bank loans, finance company loans etc. The Limitations Act 1980 states that when the following conditions are met then the debt cannot be pursue through the courts.




The conditions are:-

• That the creditor has not taken court action against you, eg CCJ, AND
• You have not made any payments on the debt over the last 6 years,AND
• During the years, you haven't written to the creditor acknowledging that owe them money.

As you can see all three conditions must be met in order for the debt to be "time barred". So the answer to the above question is 6 years.5 years in Scotland............

Cheers for the info in 2 Deep, much appreciated. (Helps like me,)

[Deepie]

Re: Miss Muddle's UE Diary

How long can a creditor chase a debt?

This is dependent on the type of debt you have. The most common form of debt which people ask about in our forum is unsecured debts eg credit cards, personal loans, store cards, catalogues, bank loans, finance company loans etc. The Limitations Act 1980 states that when the following conditions are met then the debt cannot be pursue through the courts.



The conditions are:-

• That the creditor has not taken court action against you, eg CCJ, AND
• You have not made any payments on the debt over the last 6 years,AND
• During the years, you haven't written to the creditor acknowledging that owe them money.

As you can see all three conditions must be met in order for the debt to be "time barred". So the answer to the above question is 6 years.5 years in Scotland............

[Deepie]

Re: Miss Muddle's UE Diary

Does this mean last paid HBOS full payment or last paid any kind of payment (i.e. reduced sums to DCA). Sorry for being so thick trying to get head into gear with all this info.

last paid any kind of payment ........