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  • #16
    Re: What's the worst thing that can happen! UE diary

    Thanks again.

    I'm sure with all the assistance and support generated from this site that It's going to be fun from now on!

    Comment

    • #17
      Re: What's the worst thing that can happen! UE diary

      Hi CharlieH

      Welcome to the forum, nows the time to have some fun.
      Bet you allready feel alot better now you have come here.

      Sea Saw
      My Brains not in sycn leave me alone.

      Comment

      • #18
        Re: What's the worst thing that can happen! UE diary

        Account four
        MBNA

        Type: Credit card

        Start: 2002

        Balance: £4100

        Last 'full' payment: January 2012

        Arrangement: No longer making minimum payments

        Status: In arrears

        Account owner: Link Financial Outsourcing

        Key: Sent Received Updates


        2012
        April
        23.04 CCA request template downloaded, letter wrote and copy letter placed in a MBNA binder.
        24.04 CCA request sent to MBNA, by Royal Mail recorded delivery and with an unsigned postal order for £1.00.
        08.05 Letter received from Link Financial Outsourcing Limited stating that on 27.04.12 MBNA assigned them the debt, and again on 27.04.12 they assigned the benefit of the debt to IDR Finance UK Limited. Do I therefore send the 'Account sold whilst in dispute' letter to IDR Finance?
        Last edited by CharlieH; 8 May 2012, 10:35.

        Comment

        • #19
          Re: What's the worst thing that can happen! UE diary

          Originally posted by CharlieH View Post
          Account four
          MBNA

          Type: Credit card

          Start: 2002

          Balance: £4100

          Last 'full' payment: January 2012

          Arrangement: No longer making minimum payments

          Status: In arrears

          Account owner: Link Financial Outsourcing

          Key: Sent Received Updates


          2012
          April
          23.04 CCA request template downloaded, letter wrote and copy letter placed in a MBNA binder.
          24.04 CCA request sent to MBNA, by Royal Mail recorded delivery and with an unsigned postal order for £1.00.
          08.05 Letter received from Link Financial Outsourcing Limited stating that on 27.04.12 MBNA assigned them the debt, and again on 27.04.12 they assigned the benefit of the debt to IDR Finance UK Limited. Do I therefore send the 'Account sold whilst in dispute' letter to IDR Finance?
          Just ignore for now ...see what they do next...
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #20
            Re: What's the worst thing that can happen! UE diary

            Thanks in 2 deep, that's saved me some postage! lol

            Comment

            • #21
              Re: What's the worst thing that can happen! UE diary

              Hi Charlie, well done for standing up to the bullies, this site made me feel 100% happier

              Comment

              • #22
                Re: What's the worst thing that can happen! UE diary

                Account three
                Barclaycard

                Type: Credit card

                Start: 1995

                Balance: £9400

                Last 'full' payment: January 2012

                Arrangement: No longer making minimum payments

                Status: In arrears

                Account owner: Mercers Debt Collections

                Key: Sent Received Updates


                2012
                April
                23.04 CCA request template downloaded, letter wrote and copy letter placed in a Barclaycard binder.
                24.04 CCA request sent to Barclaycard, by Royal Mail recorded delivery and with an unsigned postal order for £1.00.
                09.04 Letter received reference to Section 78 of the Consumer Credit Act 1974. States that due to circumstances beyond their control they no longer hold a copy of the executed agreement. Regulation 9 of the CNC Regulations confirms that, in these circumstances, for accounts opened before 19 May 1985 (such as mine) the copy agreement they provide may comprise an easily legible statement of the current terms of the agreement, and this will be sent shortly...

                Comment

                • #23
                  Re: What's the worst thing that can happen! UE diary

                  Originally posted by CharlieH View Post
                  Account three
                  Barclaycard

                  Type: Credit card

                  Start: 1995

                  Balance: £9400

                  Last 'full' payment: January 2012

                  Arrangement: No longer making minimum payments

                  Status: In arrears

                  Account owner: Mercers Debt Collections

                  Key: Sent Received Updates


                  2012
                  April
                  23.04 CCA request template downloaded, letter wrote and copy letter placed in a Barclaycard binder.
                  24.04 CCA request sent to Barclaycard, by Royal Mail recorded delivery and with an unsigned postal order for £1.00.
                  09.04 Letter received reference to Section 78 of the Consumer Credit Act 1974. States that due to circumstances beyond their control they no longer hold a copy of the executed agreement. Regulation 9 of the CNC Regulations confirms that, in these circumstances, for accounts opened before 19 May 1985 (such as mine) the copy agreement they provide may comprise an easily legible statement of the current terms of the agreement, and this will be sent shortly...
                  I Would forget about this for now Result.
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #24
                    Re: What's the worst thing that can happen! UE diary

                    Reads too good to be true!!! lol

                    Comment

                    • #25
                      Re: What's the worst thing that can happen! UE diary

                      Originally posted by CharlieH View Post
                      Reads too good to be true!!! lol
                      excellent start mate - result
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment

                      • #26
                        Re: What's the worst thing that can happen! UE diary

                        Thanks Niddy

                        Comment

                        • #27
                          Re: What's the worst thing that can happen! UE diary

                          Account four
                          MBNA

                          Type: Credit card

                          Start: 2002

                          Balance: £4100

                          Last 'full' payment: January 2012

                          Arrangement: No longer making minimum payments

                          Status: In arrears

                          Account owner: Link Financial Outsourcing

                          Key: Sent Received Updates


                          2012
                          April
                          23.04 CCA request template downloaded, letter wrote and copy letter placed in a MBNA binder.
                          24.04 CCA request sent to MBNA, by Royal Mail recorded delivery and with an unsigned postal order for £1.00.
                          08.05 Letter received from Link Financial Outsourcing Limited stating that on 27.04.12 MBNA assigned them the debt, and again on 27.04.12 they assigned the benefit of the debt to IDR Finance UK Limited. Do I therefore send the 'Account sold whilst in dispute' letter to IDR Finance?
                          09.05 Telephone call from IDR/Link. I have asked them to contact me by letter only. But they informed me that they are a 'telephone based company'. How unfortunate for them. I did tell them that they had been sold the debt whilst in dispute...

                          Comment

                          • #28
                            Re: What's the worst thing that can happen! UE diary

                            Originally posted by CharlieH View Post
                            Account four
                            MBNA

                            Type: Credit card

                            Start: 2002

                            Balance: £4100

                            Last 'full' payment: January 2012

                            Arrangement: No longer making minimum payments

                            Status: In arrears

                            Account owner: Link Financial Outsourcing

                            Key: Sent Received Updates


                            2012
                            April
                            23.04 CCA request template downloaded, letter wrote and copy letter placed in a MBNA binder.
                            24.04 CCA request sent to MBNA, by Royal Mail recorded delivery and with an unsigned postal order for £1.00.
                            08.05 Letter received from Link Financial Outsourcing Limited stating that on 27.04.12 MBNA assigned them the debt, and again on 27.04.12 they assigned the benefit of the debt to IDR Finance UK Limited. Do I therefore send the 'Account sold whilst in dispute' letter to IDR Finance?
                            09.05 Telephone call from IDR/Link. I have asked them to contact me by letter only. But they informed me that they are a 'telephone based company'. How unfortunate for them. I did tell them that they had been sold the debt whilst in dispute...
                            don't speak to them on the phone .... fail security
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #29
                              Re: What's the worst thing that can happen! UE diary

                              Will do and message understood!

                              On this occasion, they didn't even go through any security?

                              Comment

                              • #30
                                Re: What's the worst thing that can happen! UE diary

                                Originally posted by CharlieH View Post
                                Will do and message understood!

                                On this occasion, they didn't even go through any security?
                                Then just hang up who ? who? sorry can't hear you..........
                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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