Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

SB time clock starts, from when you last payed......

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.

[Deepie]

Re: Miss Muddle's UE Diary

Hopefully we only have a couple of years to go till Statute Barred, not sure when the SB time clock starts, is it from when we paid the last full payment to HBOS, as we did pay a DCA for a few months for one of the CC so not quite sure if this counts or not. Or does it start from default date ?

SB time clock starts, from when you last payed......

[Miss Muddled]

Re: Miss Muddle's UE Diary

It's good that you're in Scotland..that's one less year to wait for Statute Barred

Hopefully we only have a couple of years to go till Statute Barred, not sure when the SB time clock starts, is it from when we paid the last full payment to HBOS, as we did pay a DCA for a few months for one of the CC so not quite sure if this counts or not. Or does it start from default date ?

[Miss Muddled]

Re: Miss Muddle's UE Diary

Nice one Mis Muddled.
I also owe HBOS group (BOS,HBS & LTSB) over £40K and havent paid a penny for almost 2 years now as they are all deemed UE - not counting any chickens or anything yet - BUT long may it last.

They must be in real do do and have one hell of a bad debt provision, if two customers alone owe em the best part of £100K in unenforecable debt - how many more similar to us are out there ? - many I would have thought.

Good luck in your fight against them.

Matty

I bet there is hundreds maybe thousands of poor people like ourselves out there, we were the same all kicked off 2008-2009 haven' t paid HBOS for about 3 years now in total and then all of a sudden they sold to 1st Credit end of last year. They also sold the other CC about two years ago, but held on to the other CC and Pref Account, why we'll never know.

Now we need to wait and see who raises there ugly heads next and be ready with the giuillotine to chop them off again (With Niddy's help hopefully)

Good luck to you in your fight against them, hopefully together we can deal with this lot of crap once and for all.

[Undercover Elsa]

Re: Miss Muddle's UE Diary

It's good that you're in Scotland..that's one less year to wait for Statute Barred

[MattyA]

Re: Miss Muddle's UE Diary

Nice one Mis Muddled.
I also owe HBOS group (BOS,HBS & LTSB) over £40K and havent paid a penny for almost 2 years now as they are all deemed UE - not counting any chickens or anything yet - BUT long may it last.

They must be in real do do and have one hell of a bad debt provision, if two customers alone owe em the best part of £100K in unenforecable debt - how many more similar to us are out there ? - many I would have thought.

Good luck in your fight against them.

Matty

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Lets all just remember we're a long way from anywhere - all we've achieved so far is getting two accounts returned to the OC who will no doubt come after Miss Muddles with a vengeance so we're gonna have a wee bit of a fight on our hands yet however it'll be fine as I'll stay with this one and respond to most posts as I want to ensure things are dealt with properly and the way 'I' choose not the way HBOS want to go!

I'm not trying to scare you but lets remember who it is we're dealing with here, other than one of the most inept banks that exist, we're dealing with people that will flog this dead duck for a pittance to whoever will buy it thus we may bump into some nasty bastards along the way, but the good thing is I have dealt with them all before and will pretty much sort you with specific templates to send off to get rid early doors as I still have the main basis of complaint from 1st which can easily be edited and used to respond....

All we want is for the OC to be lumbered with it then we can pretty much forget about it and wait out the 5yrs SB timeframe (rightly or wrongly).

All the above in mind, don't worry - you'll be just fine and continue to enjoy this peace and quiet

Mod Note:
I2D etc - please PM me if anything changes here as I'll look after this being the HBOS accounts are so fucked up in so many ways......

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hehe, it's brilliant Miss M. Here's to betterer and betterer nights' sleep for you and Hubby!
Me? nahh I just pointed you in the direction of Sir Niddy the Nid...slayer of assorted foes

Just glad the French Resistance style rescue mission was worthwhile, LOL.
I actually messaged our erstwhile undercover comrade to say "Zeee eagle haz landed"

Hi Shep

Better night sleep with sweet dreams, hopefully still can't believe whats been happening these past few weeks.

Your guidance in the direction of Sir Nid was an incredible rescue mission...French Resistance saved lives and thats exactly what you done, helped save my Hubby's life, how will we ever repay you, Niddy and AAD.

[nanna58]

Re: Miss Muddle's UE Diary

wonderfull well doneXXXXXXXX

[samsmum]

Re: Miss Muddle's UE Diary

Well done,great news. So happy for you

[swanfan]

Re: Miss Muddle's UE Diary

Do you think we should wait until APex sends us another reply when they get, yet another copy of CCA before we send the Missing Prescribed Terms letter or just send right now ?

No don't wait send it.

[Undercover Elsa]

Re: Miss Muddle's UE Diary

Hehe, it's brilliant Miss M. Here's to betterer and betterer nights' sleep for you and Hubby!
Me? nahh I just pointed you in the direction of Sir Niddy the Nid...slayer of assorted foes

Just glad the French Resistance style rescue mission was worthwhile, LOL.
I actually messaged our erstwhile undercover comrade to say "Zeee eagle haz landed"

[Miss Muddled]

Re: Miss Muddle's UE Diary

Good Morning Shep

What do you think Shep, can you believe it, absolutely brilliant news. We also have a lot to thank you for, words can never express our gratitude.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Ok this agreement is half the visa that we just had returned from 1st Credit yet they have different terms - funny if not believeable.

Point is, send this back to Apex: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

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



Why? Easy...

Look at the agreement - what is the obvious error - look right at the very top? What is this 'page' exactly cos it aint a credit agreement regulated under the CCA1974 that's for sure ergo this is toilet roll right now and no matter what they do they will never be able to enforce this as there are no enforcement rights for such a breach, well there are but we'll get Paul on the case who will batter them into submission.

Kiss bye bye to that visa and mastercard - they're now dead as far as I am concerned.

Oh, they also never sent any terms from account inception, only a recon of current terms which don't correspond to the product you have - they're fucked, sorry but that's the only way to describe this.

Why do you think 1st Credit sold it back to HBOS quick enough?

As we always say, the devil is in the detail and the moment 1st Credit knew we had them by the balls they sold it back, shame cos now HBOS are left with that predicament

As for the preference account, this is also 100% UE without seeing any paperwork, they always are as they are best described as a running credit at fixed rate which in essence means they'd need 3 sets of PT's at outset which was never the case so all these preference style accounts that were issued by barclays, cahoot, hbos and M&S are all UE - always.

Good result for you

GOOD MORNING NIDDY

OMG, OMG, OMG.....pinch me I'm dreaming thats Brilliant News, we couldn't ask for better, this is the best news ever (apart from 1st Credits)your a Star Niddy, what else can we say.

Was at hospital most of the day yesterday/night yesterday, didn't have much time to get on here.

It's like we have been sent a Guardian Angel, to think that a few weeks ago we could have lost my Hubby to suicide as we thought we would lose our house because creeps like 1st Credit, Apex and other lowlife DCA telling us they could take our house, bankrupt us and such like and worst still, us totally believing them, until you came along Niddy.

You are DCA's and Banks etc.. worst nightmare, they have met their match, however to all of us on AAD you are a dream come true, as we were living in a nightmare before you started to kick arse.

You can described these agremnets in any form you like, if you say they are fucked then they are fucked....so in other words Apex 1st Credit and HBOS are full of carp.

Never, ever would we have known about these errors, as said before your a minefield of Information, a deadly weapon
I keep reading the post above I cant believe what I am reading you've not only made our day, it's like our Birthday, Christmas and Lottery (well we wish a lotery win) all at once, it's totally overwhelming.

Hubby does not surface till late (due to Meds) can't wait to let him read your post Niddy.....


Do you think we should wait until APex sends us another reply when they get, yet another copy of CCA before we send the Missing Prescribed Terms letter or just send right now ?

[Undercover Elsa]

Re: Miss Muddle's UE Diary