Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 5

DEBENHAMS STORE CARD – GE MONEY – ASSIGNED TO CL FINANCE

Type of account:– Store Card
Date commenced:- MARCH 2003
Approx balance:-£2,400
Last full payment paid:- Approx Jan 2009
Arrangement or not paying: – Had an arrangement with Lewis Credit Service until Jan 2009.

Status:- No Default Notice or Termination Notice

Account owner:- Assigned to CL Finance Sept 2009 (Lowell’s now chasing)


Basis of this account is - received CCA from CL Finance July 2009 but there was a different account number on it they said this was because first card got lost stolen I have requested proof of this statement, but none forth coming since requesting also charges awarded from FOS but have never been credited to the account.



2007
October - Got into financial difficulty due to giving up work to look after Hubby.

2008
Jan – December – Several demands from Lewis Debt Recovery
September – Assigned to CL Finance

2009
Jan – May – Received demands and reduce payment offers from Lewis
May - Sent CCA request to Lewis
July - Received a copy of a agreement with a completely different account number
CL Finance said that GE Money says that this was due to card being change at some point because it had been reported lost or stolen. (Can’t remember this happening)
December – Applied for charges

2010
June - FOS awarded full charges, Santander said they would send charges to CL Finance (To my knowledge this has never been deducted from balance as yet.
June - Advised CL Finance regarding different account numbers – they were sending demands for ABCDEF but they sent an agreement for GHIJKL.
June - Received letter from Santander explaining about different account numbers.

2011
September - Sold to Lowell’s
September - Received demand letter from Lowell’s (STILL NO CHARGES BEEN DEDUCTED FROM BALANCE)
October - Sent letter to Lowell’s advising of dispute
October - Received letter from Lowell’s querying account with CL Finance.

2012
January - Received letter from Lowell’s advising me that even although different account number on CCA it is the same account.
January - Sent a CCA Request
January - Received letter from Lowelll stating awaiting copy of CCA from CL Finance
March - Time to send CCA to Niddy for checking.

[Miss Muddled]

Re: Miss Muddle's UE Diary

UPDATE ------BOS MASTERCARD

March 2012
March - Received letter from Apex saying they had referred account to HBOS to get a copy of the agreement to enable them to deal with our queries efficiently accpount on hold. (THey already have a copy it was them who sent Hubby a copy months ago)

March - Niddy deemed account totally Sent Missing Prescribed Terms letter as advised by Niddy (No response to this letter) - Niddy has already saw 1st Credit off with this same agreement for another account, 1st Credit sold back to HBOS.

March - Received letter today enclosing statements that we requested (We have never requested these statements) to call their office as a matter of urgency to resolve this matter.

Do we contact them stating no reply to our letter and advising them we didn't order statements but still waiting for them to get agreement to deal with our queries efficiently ?.

[Deepie]

Re: Miss Muddle's UE Diary

UPDATE ------BOS MASTERCARD

March 2012
March - Received letter from Apex saying they had referred account to HBOS to get a copy of the agreement to enable them to deal with our queries efficiently accpount on hold. (THey already have a copy it was them who sent Hubby a copy months ago)

March - Niddy deemed account totally Sent Missing Prescribed Terms letter as advised by Niddy (No response to this letter) - Niddy has already saw 1st Credit off with this same agreement for another account, 1st Credit sold back to HBOS.

March - Received letter today enclosing statements that we requested (We have never requested these statements) to call their office as a matter of urgency to resolve this matter.

Do we contact them stating no reply to our letter and advising them we didn't order statements but still waiting for them to get agreement to deal with our queries efficiently ?.

Just ignore for now see what they send next....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Just ignore for now see what they send next....

Hi in 2 deep

Thanks for the quick response...will ignore letter, and wait for their next move.... Wonder what that will be.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

[CleverClogs (RIP)]

Re: Miss Muddle's UE Diary

their next move.... Wonder what that will be.

It'll probably be a mail-merged snotty-gram or even a letter making silly threats about collecting your door-step or getting a charging order on your house without first bothering with the nicety of seeking a CCJ.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Cheers to you Niddy...

It'll probably be a mail-merged snotty-gram or even a letter making silly threats about collecting your door-step or getting a charging order on your house without first bothering with the nicety of seeking a CCJ.

Here's hoping they don't turn up on our doorstep, Hubby really not good just now, this would totally finish him....

Was wondering if it would be worth while sending a letter similar to the one Niddy sent 1st Credit for the other credit card on this agreement, who then sold it back to HBOS, would this maybe jog their memory that this agreement is UE...which I am sure they must know.

[Deepie]

Re: Miss Muddle's UE Diary

Cheers to you Niddy...



Here's hoping they don't turn up on our doorstep, Hubby really not good just now, this would totally finish him....

Was wondering if it would be worth while sending a letter similar to the one Niddy sent 1st Credit for the other credit card on this agreement, who then sold it back to HBOS, would this maybe jog their memory that this agreement is UE...which I am sure they must know.

Just ignore for now.........

[Miss Muddled]

Re: Miss Muddle's UE Diary

Just ignore for now.........

Ok I2D....will ignore for now. Our lips are sealed..

[CleverClogs (RIP)]

Re: Miss Muddle's UE Diary

It's unlikely that they would send anyone round but, if they did, just tell them to bugger off.

If you can squirt water over the front of their trousers through the letterbox, that's a bonus; if you can tip them sideways into a moat full of ravenous piranha fish, that's even better.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 6

FIRST NATIONAL – LOAN

Type of account:– LOAN
Date commenced:- FEB 2003
Approx balance:- £600
Last full payment paid:- June 2007
Arrangement or not paying: – Paid arrange £15 per month till Status:- DEFAULTED AUGUST 2007 – DID NOT ALLOW FOR SERVICE DAYS

Account owner:- Assigned to Aktiv Kapital approx October 2007

2007
June - Got into financial difficulty due to giving up work to look after Hubby.
Sept – Received Default Notice only 14 days from date of letter to remedy date, no time for service days.
Oct 2007– July 2010 – Payment Arrangement

2010
July – Dec – Received letters offering 50% discount – couldn’t afford to pay 50%

2011
Jan – Dec 2011 –Received letters offering discounts


2012
February – Received letter from BCW demanding full amount
February – Sent letter requesting CCA from BCW
March - Received from BCW letter stating they would contact AK
April - Sent CCA to Niddy for checking

[Miss Muddled]

Re: Miss Muddle's UE Diary

HBOS - M/C - UPDATE

No more letters or visits as yet, but Apex have been phoning us three times a day for the past 3 - 4 days since they sent us statements for his account which we never requested, still waiting to hear from them regarding their letter saying they would contact HBOS to check queries about CCA obviously the statements are their reply.....Niddy has deemed this agreement 1,000,000%

Phone calls driving hubby mad. we have already advised them
of Hubby's delicate state of mind and health issuesthey are obviously choosing to ignore this.

[pooky2483]

Re: Miss Muddle's UE Diary

Are you with BT? Can they do call screening? (I know Virgin can't/don't/won't)
Slap 'em with the letter about harassing calls (I'm sure Niddy or someone will post the link)
Complain to OFCOM?

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hold fire. News tomorrow regards phone calls etc!!

Just sit tight

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

ps I'll sort link for you over the weekend. Just prod me by pm of I forget but it won't be till I've finished what I'm doing thus my last post is kinda vague

Don't worry. Link will be getting a rocket (and some!!). Just try and list the approximate time and date of calls and pm me the list please. Then I'll do you a template - a nice "you dirty bastards better pay me compo or I'll rip your head off and puke down your dead skull" kinda thing