TreadingWater's UE Diary

[Treadingwater]

Re: TreadingWater's UE Diary

MINE

Account Barclaycard (prev Egg)

Start Date Dec 2000

Approx Bal 6700.00

Date Last Paid April 2012

Arrangement/not paying still paying

Status Up to date

Account owner Lender


20/4/12 CCA request sent
25/4/12 Ltr from B/Card ack receipt and dealing with my request and will respond asap

Update ltr from b/card acknowledging receipt and dealing with my request will respond asap

OH's

Account Lloyds Credit Card

Start Date approx nov 2004

Approx Bal 16000.00

Date last paid April 2012

Arrangement/not paying still paying

Status Up to Date

Account owner lender


20/4/12 CCA request sent
26/4/12 recon agreement rec'd-already!!

Update- Rec'd recon agreement from Lloyds already!! Rec'd copy of app, credit card conditions and terms and conds applicable from 24/2/12. Can someone plse advise what I need to email Niddy?

[Treadingwater]

Re: TreadingWater's UE Diary

Hi,

Can someone please advise what needs to be sent to niddy from Lloyds recon agreement? There are numerous pages and I am sure Niddy won't be too happy to be sent all of it and I just want to make sure Niddy is sent all that he needs?

[SXGuy]

Re: TreadingWater's UE Diary

if unsure send niddy all of it, but from what you have said, i would hazzard a guess at saying its missing the prescribed terms from account inception.

[Treadingwater]

Re: TreadingWater's UE Diary

OH'S


Account Barclaycard C/card

Start Date 12/2006

Approx Bal 4000.00

Last Paid April 2012

Arrangement/not paying still paying

Status Up to date

Owner Lender


20/4/12 CCA request sent
27/4/12 Ltr rec'd from B/Card ack cca req- are dealing and will respond asap

Update ~ ltr from Barclaycard they have rec'd cca req and will respond asap

[Treadingwater]

Re: TreadingWater's UE Diary

if unsure send niddy all of it, but from what you have said, i would hazzard a guess at saying its missing the prescribed terms from account inception.

Thanks SXGuy- there are 34 pages....will Niddy really want to see all these??

[Deepie]

Re: TreadingWater's UE Diary

Thanks SXGuy- there are 34 pages....will Niddy really want to see all these??

Just send cover letter plus first 3 pages if he needs to see anymore he will ask.......

[Treadingwater]

Re: TreadingWater's UE Diary

Will do.

Thanks I2D

[Pixie]

Re: TreadingWater's UE Diary

Are you still making payments?

If so, I'd stop making the payments as most of these debts are likely to be UE (not sure about the MBNA ones.) Of course, this will trash your credit rating but it will be trashed anyway going down the UE route! Should any come back as enforceable, you can make an arrangement to pay, sort out a full and final settlement or blag it.

If you can afford to, put the money you've paying to one side so that you can make a full and final settlement, should it be necessary.

[Treadingwater]

Re: TreadingWater's UE Diary

Thanks Pixie.

All payments were the last!

I was going to continue making payments until all CCA requests had been sent but as I have picked up on here there does not seem much point now.

Just awaiting answer from Niddy re the first cca agreement

[Never-In-Doubt]

Re: TreadingWater's UE Diary

Thanks Pixie.

All payments were the last!

I was going to continue making payments until all CCA requests had been sent but as I have picked up on here there does not seem much point now.

Just awaiting answer from Niddy re the first cca agreement

Hiya

Sorry for the delay - been a mad week and been all over the place! Ok this is unenforceable as the PT's are not linked to, let alone present with the actual signed agreement therefore I would respond as follows: --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Well done, not a bad start



As for the additional payments etc - yea, don't pay anything whilst you're going through UE as it helps them default you meaning no matter what, those live accounts that are being updated even though you're paying £1 whatever will now go defaulted which is what you want as then you know in 6yrs no matter what, you've a clean credit file.

[Never-In-Doubt]

Re: TreadingWater's UE Diary

OH's

Account Lloyds Credit Card

Start Date approx nov 2004

Approx Bal 16000.00

Date last paid April 2012

Arrangement/not paying still paying

Status Up to Date

Account owner lender


20/4/12 CCA request sent
26/4/12 recon agreement rec'd-already!!
27/4/12 Emailed Niddy Agreement

As per my post above.

Send this ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: TreadingWater's UE Diary

Thanks SXGuy- there are 34 pages....will Niddy really want to see all these??

Nope, for future reference I only ask for the main cover letter, the agreement part and any terms (usually the first couple of pages) - I will then ask for anything extra if needed.

Thanks

[Treadingwater]

Re: TreadingWater's UE Diary

Hiya

Sorry for the delay - been a mad week and been all over the place! Ok this is unenforceable as the PT's are not linked to, let alone present with the actual signed agreement therefore I would respond as follows: --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Well done, not a bad start



As for the additional payments etc - yea, don't pay anything whilst you're going through UE as it helps them default you meaning no matter what, those live accounts that are being updated even though you're paying £1 whatever will now go defaulted which is what you want as then you know in 6yrs no matter what, you've a clean credit file.

Hi Niddy,

Please don't apologise - I just really appreciate your help - anyway with that news you can take as long as you like!! In all seriousness, I think the support from this site is fantastic and as for yourself Niddy- the time you must put in and the help that you give to everyone is just really really commendable

I did think this one may be enforceable as the way the letter was worded ie we will not be entering into any further correspondence with regards to the eligibility of this agreement....etc....I also noticed terms printed on the back of the application- though not very legible. It also seemed to have 2 copies of terms? But this is fantastic news Niddy- like you say brilliant start- Thank you so much

Nope, for future reference I only ask for the main cover letter, the agreement part and any terms (usually the first couple of pages) - I will then ask for anything extra if needed.

Thanks

Thanks Niddy - just one other question - with the responses should we also be sending these by recorded delivery or is this just the cca requests that we send by recorded?

Thanks again Niddy- much appreciated- and of course Thanks to everyone else for their help and input

[Never-In-Doubt]

Re: TreadingWater's UE Diary

Send everything recorded - its proof of postage you really need so we suggest recorded.

Regards the terms, they have sent the original terms (as purported by them) and the current terms which is correct however the original terms are not the originals and still, they were separate to your signed agreement in totality.

[Treadingwater]

Re: TreadingWater's UE Diary

OH's

Account Lloyds Credit Card

Start Date approx nov 2004

Approx Bal 16000.00

Date last paid April 2012

Arrangement/not paying still paying

Status Up to Date

Account owner lender


20/4/12 CCA request sent
26/4/12 recon agreement rec'd-already!!
27/4/12 Emailed Niddy Agreement
30/4/12 Niddy deemed

Updated ~ Niddy deemed cca UE!!