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**Elsie52** · 15 February 2011, 18:07

Re: Riberaclass UE Diary

Hiya,

It would seem that even though its UE and they won't enforce in a court of law...they still go through this process of passing on to DCA etc, so we send 'em a letter and they pass it on to someone else, the new DCA then write to us, we send them a letter and they pass it on.....Get the drift of the pattern.....and so it goes.!! Pretty repetetive stuff most of the time.

**Never-In-Doubt** · 15 February 2011, 20:31

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

MBNA c/c 1

Received 'notice of sums in arrears' & default notice. 'We may pass this to collection agent/litigation etc'.

Ignore? Will they continuse to send these letters even though it's U/E??

Many thanks RL

Yes ignore it - and yes, of course they will send those letters - its unenforceable, it does not mean they won't ask for repayment - it just means they cannot pursue it through court and even then they try it on, at times.

You need to read other users diaries if you are that confused, at this stage of the process! Its evident you're not familiar with the process which suggests to me you're not reading what you're sending out....?

Pay attention and learn - then learn more and eventually you'll know exactly what to do in what situation

**Never-In-Doubt** · 15 February 2011, 20:31

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

MBNA c/c 2

Received letter 'we are defaulting your account' & 'we may pass to DCA/apply for CCJ' etc.

Ignore??
Thanks RL

Yes, ignore it.

**Never-In-Doubt** · 15 February 2011, 20:35

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

Lloyds c/c no.2

Following the letter to SCM, Lloyds have replied saying 'we do not agree with your compalint'.
Will scan & send.

Thanks RL

Don't worry, they will never disagree - just ignore for the time being and see what happens.....

**Riberaclass** · 19 February 2011, 15:59

Re: Riberaclass UE Diary

Lloyds c/c no 1

Received letter from Lloyds saying 'we enclose reconstitued version of your executed agreement' Appears to be a copy of the credit agreement. Ignnore??
thanks RL

**Riberaclass** · 19 February 2011, 16:14

Re: Riberaclass UE Diary

Hi Nidd, On your reply to MBNA c/c - 1, you said I should have begun to understand the process - well I admit some of it does now make sense. I do read the letters that are sent out but still some of them confuse me - I'm probably being a bit thick. The ones I dont understand are the 'threat by lender/dca' as they don't appear to relate much to anything that's gone before - is this a deliberate confusion?
I also have a 'business' credit card that's not on the list. I had put it on the original, original site but I remembered you said as it was CCA exempt there was nothing I could do with itso never saw the point of adding to the newer sites. I've generally ignored it because some time ago I had asked about making F&F offers but understood that this was to done only when all the cards that were possibly U/E were sorted. They are now sending threats of 'we may commence proceedings' & not sure what approach to take. Would appreciate your comments. Many thanks as always RL xx

**Never-In-Doubt** · 22 February 2011, 07:51

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

Lloyds c/c no 1

Received letter from Lloyds saying 'we enclose reconstitued version of your executed agreement' Appears to be a copy of the credit agreement. Ignnore??
thanks RL

Send this: ---> CCA Query - Copy Document Supplied

**Never-In-Doubt** · 22 February 2011, 07:53

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

Hi Nidd, On your reply to MBNA c/c - 1, you said I should have begun to understand the process - well I admit some of it does now make sense. I do read the letters that are sent out but still some of them confuse me - I'm probably being a bit thick. The ones I dont understand are the 'threat by lender/dca' as they don't appear to relate much to anything that's gone before - is this a deliberate confusion?

Hiya, yea - they do try and confuse, but notice they use the word "may" an awful lot? Not, "we will" more "we may" - however if it is a threat of legal action, then obviously let me know about it....

Originally posted by Riberaclass View Post

I also have a 'business' credit card that's not on the list. I had put it on the original, original site but I remembered you said as it was CCA exempt there was nothing I could do with itso never saw the point of adding to the newer sites. I've generally ignored it because some time ago I had asked about making F&F offers but understood that this was to done only when all the cards that were possibly U/E were sorted. They are now sending threats of 'we may commence proceedings' & not sure what approach to take. Would appreciate your comments. Many thanks as always RL xx

Is this one you could make an offer of monthly repayment to.....? Also, who is hassling you - the bank or a dca?

**Riberaclass** · 27 February 2011, 15:13

Re: Riberaclass UE Diary

Hi Nidd - sorry for delay.

Re Business c/c. Letters are from Santander (it was a A&L card originally). Nothing from DCA yet.
Ignore?? thanks RL

**Riberaclass** · 27 February 2011, 15:36

Re: Riberaclass UE Diary

Lloyds overdrafts - A/c's 1+2.

Now had letter relating to no2 a/c only. 'We offered you help but you have ignored us' - Makes your heart bleed doesn't it? 'We are now passing your a/c to the Banks collection agent. Ignore I presume??

Even better they have now sent me a new debit card for this a/c which expires in 2014 - out on the town I presume!! lol

regards RL.

**Never-In-Doubt** · 27 February 2011, 17:48

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

Hi Nidd - sorry for delay.

Re Business c/c. Letters are from Santander (it was a A&L card originally). Nothing from DCA yet.
Ignore?? thanks RL

Yep just ignore for now. See what they say when they come back for round 199!

**Never-In-Doubt** · 27 February 2011, 17:49

Re: Riberaclass UE Diary

Originally posted by Riberaclass View Post

Lloyds overdrafts - A/c's 1+2.

Now had letter relating to no2 a/c only. 'We offered you help but you have ignored us' - Makes your heart bleed doesn't it? 'We are now passing your a/c to the Banks collection agent. Ignore I presume??

Even better they have now sent me a new debit card for this a/c which expires in 2014 - out on the town I presume!! lol

regards RL.

You wouldn't believe it unless it was genuine - how the hell can a bank be considering a default yet issue a new card? It really does beggar belief!

Yep just ignore - don't use the card, plus things would bounce anyway (unless you know a good cheque cashing place lol)

**Riberaclass** · 4 March 2011, 17:10

Re: Riberaclass UE Diary

Sainsbury's C/C

Received long & rambling letter from Sains re my complaint. Basically 'we have dealt with your complaint' & 'this is enforceable' blah blah. Will continue to ignore this unless N says otherwise.
many thanks RL

**Riberaclass** · 4 March 2011, 17:19

Re: Riberaclass UE Diary

Mint c/c

Received letter from 'Regal Credit' usual pay up or else stuff.

Send 'in dispute' letter as have previously sent this to power2contact on this a/c.

Trying to get the hang of what to do!!!
thanks RL

**Riberaclass** · 4 March 2011, 17:25

Re: Riberaclass UE Diary

Lloyds c/c no 2

Letter from MHA collections. 'We have been instructed to recover the arrears' 'SCM sols may issue proceedings against you etc etc'

Ignore??

thanks RL

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