Miss Muddle's UE Diary

[cymruambyth]

Re: Miss Muddle's UE Diary

Half way down your member page, go to your account, then on left hand side there is the option to edit settings and towards the bottom on the left you can change your email address. It works!

[The Tech Clerk]

Re: Miss Muddle's UE Diary

virgin allow you a couple of months to change e-mail addresses I took 3 months

[Miss Muddled]

Re: Miss Muddle's UE Diary

Not sure if this question should be in my Diary, but here goes.....

We are changing from Virgin Media to Sky at beginning of next month and Virgin have told us we can no longer keep our old/ancient blueyonder email addresses (had them for approx 20 years now).

Anyway how will this effect my membership with AAD. Do I just change my email address or will this cause me security problems and if so how do I change my email address with you Guys/Gals (don't want to lose contact with such a great site).

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No, 9

STORE CARD ACCOUNT

Type of account:– Originally Loan from 1 st National transferred to GE Money
Date commenced:- 2003
Approx balance:- £1,000
Last full payment paid:- 2007
Arrangement or not paying: – Never paid since 2007
Assigned to: Link Fiancial 2007 (never paid anything to them)

Totally forgot about this one, for many years only ever received statements from Link Financial every 6 months or so and maybe few leters saying pay up or else.

Never paid since 2007 so would expect it to be SB however on checking a few of the statements they have allocated a £1 payment to this account in 2009 which would have been payment for the CCA that we applied for in 2009 is this allowed to be added to the account to restart SB clock, sure I have read somewhere that this is not allowed but not sure if was on AAD or when I was on CAG (many years ago now).

Now received a letter from Robinson Way today demanding payment, anybody any pointers on what we should do.

They obviously don't think its SB or do they and are just trying to bully us into paying.

Have sent Niddy a copy of the CCA that Aktiv Kapital have sent me, I know if anybody can find anything wrong with it, it will be Niddy.

I did pay them for quite sometime when I was on CAG as I was advised it was enforcable at the time, however will wait to see what Niddy's expert watchful eye says.

Have managed to keep them at bay for past 4 years or so but they seem to be getting desperate now.

Cheers Niddy for casting your expert eye over this CCA and declaring it We knew if anybody could find something wrong on this CCA , you could. To think for the past 3 years we always thought this was enforceable as when we were on CAG they deemed it enforceable and to be honest AK never bothered us so it never occured to ask Niddy to have a peek at this, but just recently Aktiv Kapital have raised their ugly heads again.

Niddy advised to send Missing Terms letter. but....not sure if I should delete section 2. stating:

The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI/1557) states: 2: Legibility of notices and copy documents and wording of prescribed Forms..

As the CCA was legible but missing main terms do I delete this and enter something else in or leave as letter stands.

Sorry for being a total dunderheid,

[Miss Muddled]

Re: Miss Muddle's UE Diary

webmaster@all-about-debt.co.uk

Have sent Niddy a copy of the CCA that Aktiv Kapital have sent me, I know if anybody can find anything wrong with it, it will be Niddy.

I did pay them for quite sometime when I was on CAG as I was advised it was enforcable at the time, however will wait to see what Niddy's expert watchful eye says.

Have managed to keep them at bay for past 4 years or so but they seem to be getting desperate now.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Niddy

Just registered on your new amazing Website and downloaded SB letter for Scotlland. Will post tomorrow.

Upwards and Onwards with AAD behind us, what more can we ask for,,,

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Cheers MrsD..SB letter on its way tomorrow.

Hold fire, new templates will be live this weekend - best to use them as they have the new FCA guidelines in them

- just wait till Monday and the new site will be live by then

[Miss Muddled]

Re: Miss Muddle's UE Diary

webmaster@all-about-debt.co.uk

Cheers Deepie, Greatly appreciated.

[Deepie]

Re: Miss Muddle's UE Diary

Please..can anyone remind me of the email address to send CCA's to Niddy..

webmaster@all-about-debt.co.uk

[Miss Muddled]

Re: Miss Muddle's UE Diary

Please..can anyone remind me of the email address to send CCA's to Niddy..

[Miss Muddled]

Re: Miss Muddle's UE Diary

I'd send off the SB letter http://www.all-about-debt.co.uk/old/...otland-5-years

if they want to argue about that £1 we'll set Niddy on them.....................

Cheers MrsD..SB letter on its way tomorrow.

[MrsD]

Re: Miss Muddle's UE Diary

I'd send off the SB letter http://www.all-about-debt.co.uk/old/...otland-5-years

if they want to argue about that £1 we'll set Niddy on them.....................

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No, 9

LOAN ACCOUNT WITH PAYMENT PROTECTION

Type of account:– Originally Loan from 1 st National transferred to GE Money
Date commenced:- 2003
Approx balance:- £1,000
Last full payment paid:- 2007
Arrangement or not paying: – Never paid since 2007
Assigned to: Link Fiancial 2007 (never paid anything to them)

Totally forgot about this one, for many years only ever received statements from Link Financial every 6 months or so and maybe few leters saying pay up or else.

Never paid since 2007 so would expect it to be SB however on checking a few of the statements they have allocated a £1 payment to this account in 2009 which would have been payment for the CCA that we applied for in 2009 is this allowed to be added to the account to restart SB clock, sure I have read somewhere that this is not allowed but not sure if was on AAD or when I was on CAG (many years ago now).

Now received a letter from Robinson Way today demanding payment, anybody any pointers on what we should do.

They obviously don't think its SB or do they and are just trying to bully us into paying.

Had few demanding letters and statements over the years...more up to date events below:

Mar 2014 - Received letter from Robinson Way demanding payment
April 2014 - Sent Statute Barred Letter
May 2014 - Received letter from Ro Way enclosing a copy of a letter I sent requesting copy of CCA in 2009 saying "As this acknowledged the account within last 6 years, your account is not Statute Barred.
May 2014 - Sent Refusal to Accept Statute Barred letter to Rob Way..
June 2014 - Received letter from Rob Way saying Notice of Home Visit.
June 2014 - Sent Letter Niddy complied telling basically and to the point PISS OFF.(See copy in post # 370)June 2014 - Another amazing result for Niddy and us. Rob Way has written saying due to Niddy's letter and comments they have removed the account from their files and returned it to Link who have been made aware that this is SB..

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 8

STORE CARD

Type of Account..........Store Card
Date Commenced......2001
Approx Balance...........£900
Last Full Payment.......2007
Arrangement................Stoped arrangement in 2010
Status..............................Didn't recieve a Default Notice from GE Money.
Account Owner............Assigned to Aktiv Kapital aprox October 2007.

2007
June - Stopped payments due to financial difficulty.
July - Dec Recieved letters offering 50% discount - Ignored them
Oct 2--7 - July 2010 Payment arrangement

2009
May - Received copy of CCA and was told by another forum (CAG) it was enforable so got scared and carried on with payment arrangement.

2010 - 2013
June - Stopped Payment Arrangement
July - Dec Received more discount letters

2014
Feb - Received threantening letters that they could take action copy in above post.
Feb - Sent CCA Request, Telephone Harrassment, & Doorstep Visit Letters
March - Received letter from AK they trying to gety copy of CCA from original creditir (Have already had a copy from them in 2009) so no doubt they should have a copy)
March - Oh SHit just recoevd a copy of the CCA from AK (Was hoping they couldn't find one after all this time. will need to send to Niddy for hos expert advice.

Hi folks

AS said in update...Oh Shit AK have sent me copy of CCA, was jopong after all this time they wouldnlt be able to find it.

Niddy can I send you a copy of the CCA that I have recieved for your expert opinion....There is quite a bit of charges to be clained on this account but would not wipe out the balance.

[Miss Muddled]

Re: Miss Muddle's UE Diary

I think I'll come and move in with you Miss Muddled...mine would be SB by now!

You would be welcome anytime Elsa our door will always be open for you....