Miss Muddle's UE Diary

[nanna58]

Re: Miss Muddle's UE Diary

wonderfull well doneXXXXXXXX

[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.

[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......

[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

[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

[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.

[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 ?

[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

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

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 ........

[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............

[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,)

[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....

[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?

[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.