Miss Muddle's UE Diary

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

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

here is the proof of their mistake







and here is what it should look like (although this is MBNA)...

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

HBOS – MASTERCARD CREDIT CARD

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.

March - Sent CCA to Niddy for checking

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

[Miss Muddled]

Re: Miss Muddle's UE Diary

Somebody's been busy

Well done Miss Muddled!!!
I take it no response from Westclots yet on the OD CCA request?
Have you done a CCA request on the Halifax Visa CC?
I have one of those..they can't find the agreement, sadly

Shep x

Good Morning Shep,

No response from Wesclots as yet. Did a CCA request a few years ago to APex for the CC they sent me an application form with T & C's have sent to Niddy for his expert advice....fingers crossed.

What a shame they can't find CCA for you..

Cheers

[Undercover Elsa]

Re: Miss Muddle's UE Diary

Somebody's been busy

Well done Miss Muddled!!!
I take it no response from Westclots yet on the OD CCA request?
Have you done a CCA request on the Halifax Visa CC?
I have one of those..they can't find the agreement, sadly

Shep x

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hiya Niddy
Have sent Mastercard T & C's and last two letters from Apex and Pinnacle.

Give me shout if you need anything else.

Cheers

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 4

HBOS – VISA CREDIT CARD

Type of account: –BOS CREDIT CARD

Date commenced:-MARCH 1996

Approx balance: - £10,000

Last full payment paid:- A PPROX MARCH 2009

Arrangement or not paying – NOT PAYING

Status:-According to Experian 8/6/2009 Never received a Default Notice or Termination Letter, I.

Account owner: -1st Credit – Returned Account HBOS



NIDDY SAYS TOTALLY

2012
March - With Niddy's expertise help 1st Credit returned this account back to HBOS, now that tells us a story....Completely UE.
April - All quiet on the western front no Contact from HBOS as yet (Hopefully not spoke to soon!!)

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 3

HBOS – PREFERENCE ACCOUNT


Type of account: – BOS PREFERENCE ACCOUNT
Date commenced:- MARCH 1996

Approx balance: - £12,000

Last full payment paid:- June2009

Arrangement or not paying – Not Paying

Status:- Default Remedy Date 14/9/2009 - Terminated 11/9/2009.(3 Days Early)No Default on Experian Credit Record

Account owner: - 1st Credit Returned to Account to HBOS

NIDDY SAYS TOTALLY

2012
March - With Niddy's expertise help 1st Credit returned this account back to HBOS, now that tells us a story....Completely UE.
April - All quiet on the western front no Contact from HBOS as yet (Hopefully not spoke to soon!!)

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 2

BOS – OVERDRAFT

Type of account:– BOS OVERDRAFT
Date commenced:- ????
Approx balance:- £3,000
Last full payment paid:- November 2009
Arrangement or not paying:– Not Paying

Status:- DEFAULT NOTICE FEBRUARY 2009 (TERMINATED ACCOUNT 16 DAYS EARLY OF REMEDY DATE)

Account owner:- Wescot Credit Services

2008
November – Received letter from BOS withdrawing our Overdraft
December - Received 4 more letters demanding repayment of overdraft

2009
January - Received letter demanding repayment.
February - Received Default Notice - Remedy 21st March 2009.
March - Received Termination Notice 16 days early.
March - Received letter from Albion Collections Demanding Payment.
April - Received Letter from Albion Collections “Call Us”.
April - Received letter from Albion Collections “Contact Us”.
May - Received Letter from Albion Collection “Further Action”
June - Received Letter Blair Oliver Scott “Door step threat”Court Action.
June - Made arrangement to pay £50 per month.
November – Couldn’t keep up payments (Demand letter from Blair Oliver Scott.

2010
Febrauary - Received Doorstep threat Letter
March - Received Notice of Intended Court Action letter.
April - Replied to Blair Oliver Scott advising them of Default/Termination fault.
April - Received Letter from Robinson Way “Formal Demand for Payment”
April - Replied advising Bad Default/Termination.
April - Received Letter Rob Way “Immediate Action Required”
May - Received letter Rob Way Account on Hold.
May - Received letter Rob Way to contact BOS with dispute.
July - Received letter Rob Way “House Visit Threat”
August - Received letter Rob Way “Court Action Threat”
August - Received Letter from Iqor “Demanding full payment”.
August - Replied advising Iqor of Bad Default/Termination.
October - Received letter from Geoffrey Park Bourne Sols demanding full payment.
October - Replied to GPB Sols Bad Default/Termination.
December - Received letter from Moorcroft “Intended Litigation”
December - Replied to Moorcroft “Bad Default/Termination”.
December - Sent Moorcroft “Hasselment letter”.
December - Received letter from Moorcroft “Account on Hold”

2011
January - Received letter from Moorcroft “Contact BOS” (Ignored)
January - Received Letter form Moorcroft “Possible Litigation”
January - Received letter from Moorcroft “Contact BOS” (Ignored)
February - Received letter from Moorcroft “Doorstep Threat/Payment Plan”
February - Received letter from Moorcroft “Account on Hold”

2012
February - Received Notice of Assignment letter from BOS and Wescot
February - Replied to Wescot with CCA request.
April - Still no reply from Wescot regarding my CCA request in February (Hopefully haven't spoken to soon!!!)
May: Spoken too soon, letter from Wescot arrived yesterday in reply to my CCA request in Febrruary, saying they have contacted HBOS for requested information.

[Miss Muddled]

Account No. 1

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

2008
March - Got into financial difficulty due to giving up work to look after Hubby. Sent umpteen letters and phone calls to BOS to try an come to some arrangement, they wouldn’t listen (Sound familiar) – NO JOY.
October - Received Letter of Assignment from Apex and BOS – Debt Sold to Apex Credit Management.
Oct 2008/April 2009 – Paid reduce monthly installments to Apex.

2009
May – Sent CCA Request to Apex.
September – Received set of T & C’s from Apex.
October – Replied to Apex advising them CCA request in Dispute.
November – Received CCA/Application Form.
December–Sent In Dispute Letter to Apex.
December –Receivedletter fromApex put hold on account.

2010
January – Received another copy of CCA/Application for & T & C’s exact same as before.
January - Sent Account In Dispute Letter.
January –Received letter from Apex, they are satisfied they have addressed all issues Account No Longer In Dispute.
February - Received Letter from Apex to contact them.
March-Sent letter reiterating Account In Dispute.
March -Received Threat of Action Letter.
April – Received Debtors Notice threatening Legal Action.
April - Received Letter from Pinnacle Legal Recoveries on behalf of Apex keen to discuss payment, reduce settlement figure.
April -Sent letter to Pinnacle to advise them Account in Dispute.
May - Received letter from Pinnacle ‘NOTICE OF LEGAL ACTION’.
May - Received from Pinnacle ‘LETTER BEFORE ACTION’.
May - Received letter from Apex Full payment within 72 hours or else. (Ignored)
November -Received Letter from Apex Legal Action to commence, threat of Charging Order. (Ignored)

November - Received letter from Pinnacle legal action to commence.
November -Sent letter welcoming legal action.
February- Received letter from Apex ‘PROTECT YOUR CREDIT RATING’ (Too LATE)

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.

March - Sent CCA to Niddy for checking.....And NIDDY SAYS....
April - Sent Missing Prescribed T & C to APex as advised by Niddy.
April - Received letter from APex stating all diferent section so fCCA Act and requesting I contact them to pay (But as you can see Niddy deemed UE so guess who won't be contacting them - Letter Ignored on Niddy's advice)

2013
July - Recieved letter from Apex stating they have written on numerous occaions and unfortunately I have not replied (all lies, sent letter Niddy complied to thier last letter)
July - Sent letter referring them to previous letters amd say no further correspondence will take place with Apeex until they acknowledge all points in previous letters. (They receieved letter 18/7/13)
July - Received letter dated 18/7/13 same day they received above letter from me. Again their letter satting Tried to contact us and not been able to talk to us (lies) We have responsibilty to pay outstanding balance, giving us 14 days to resolve matter.