spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Type of account (catalogue very.co.uk)mine

Date commenced (2004) maybe before

Approx balance.( £1,217

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (cca being sent )

Account owner (very.co.uk) now with cabot financial

Type of account (catalogue very.co.uk)mine

Date commenced (2004) maybe before

Approx balance.( £1,217

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (cca being sent )

Account owner (very.co.uk) now with cabot financial

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (Lloydstsb)

Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

Date last paid (22 June 2012)Please send another cheque/postal order, made payable to Lloyds TSB (a/c HPES

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (Lloydstsb)

received this from ltsb today 16/08/2012

Dear spent2much,

You recently sent us a payment for £1.00. Unfortunatley we are unable to accept this paymnt as:

- You have asked us pay into a product we do not manage

Please send another cheque/PO , made payable to LLoyds TSB (a/c HPES ) and quoting the loan agreement number, if you still wish to pay this money into your loan .

This isn't a loan it is a credit card , what are these muppets on about ?

anyone

[Spent2much]

Re: spent2much UE diary

Was that in response to your CCA request?

I'd just write back to them saying you did NOT intend to make a £1 payment into any account, it was the statutory fee to obtain a copy of your CCA and attach a copy of the CCA request letter you sent (and the PO of course). Would also be an idea to write on the reverse of the PO that it's for a CCA request ONLY.

yes this in response to the cca request , will re send the PO and write on the back for cca request only. They can wait till next week now before they receive the po again, i am busy and can't get into town until at least next saturday, i don't think there is any rush do you ?

[Spent2much]

Re: spent2much UE diary

still haven't had any response from 1st credit and others regarding the cca requests.

The longer they take the better really

[Never-In-Doubt]

Re: spent2much UE diary

still haven't had any response from 1st credit and others regarding the cca requests.

The longer they take the better really

You will, give it time

Keep us updated

[Spent2much]

Re: spent2much UE diary

You will, give it time

Keep us updated

last time i sent for a cca request 1st credit sent us a SD which we had to defend in court .

[Never-In-Doubt]

Re: spent2much UE diary

last time i sent for a cca request 1st credit sent us a SD which we had to defend in court .

See, they will be in touch - they always do! This time don't let it get that far

[Spent2much]

Re: spent2much UE diary

See, they will be in touch - they always do! This time don't let it get that far

we have you and the others to help us this time so it won't happen, before we got scared but not anymore we are fighting back

[Never-In-Doubt]

Re: spent2much UE diary

we have you and the others to help us this time so it won't happen, before we got scared but not anymore we are fighting back

But you still won didn't you?

[Spent2much]

Re: spent2much UE diary

But you still won didn't you?

yes we did , 1st credit sent a SD for two accounts and we won both, the judge wasen't very happy with them at all, basically told them they had wasted his time
and their so called solicitor was a bloody joke , i doubt he could find his own arse with both hands

[The Tech Clerk]

Re: spent2much UE diary

yes we did , 1st credit sent a SD for two accounts and we won both, the judge wasen't very happy with them at all, basically told them they had wasted his time
and their so called solicitor was a bloody joke , i doubt he could find his own arse with both hands

How Rude about the Solicitor, go to the back of the class & write on the wall " I must not take the Piss out of a Solicitor as he will not understand".

[Spent2much]

Re: spent2much UE diary

How Rude about the Solicitor, go to the back of the class & write on the wall " I must not take the Piss out of a Solicitor as he will not understand".

[Spent2much]

Re: spent2much UE diary

Originally Posted by Spent2much
Type of account (kays)
mine
Date commenced (2003)

Approx balance (£1,905)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (kays) now Littlewoods)
18/07/2012
recieved a cca back today , do i send the letter and the cca to niddy to look at ?
niddy says

Do i need to do anything or just wait now see what they do next ?

sent missing PT template 13/8/2012

received 21/8/12
Dear spent2much,
RE request to cancel your agreement

We write in response to your letter dated 13th August 2012, which has been passed to me for consideration.

In relation to your request for a copy of your K&Co/Kays account credit agreement we have provided you with a copy of your current agreement in our letter dated 17th July 2012.

This agreement sets out the contractual arrangement that is in place at this time between us and you in relation your K&Co/Kays account and it includes all applicable contractual variants and amendments that have taken place since your account was opened.

It is clear, that by ordering and purchasing goods from us, you acknowledge that there is an existing relationship in place. In the event that you did not bleive there was such a relationship it is unlikely you would have bought and continued to buy goods from us.

The lastes case law in relation to the enforceability of credit agreements has made clear that uneforceability does not mean that the rights of the parties under a credit agreement were never acquired or are extinguished.

I therefore confirm that the current outstanding balance on your account is £1953.20 and an amount of £1953.20 has become payable but remains unpaid. I would like to take this opportunity to remind you that repaymets be made every 28 days in accordance with the terms and condtions you agreed to when you opened your account.

Failure to make repayments in accordance with such terms and conditions means that we may notify the credit reference agencies of such failure from time to tome. Consequently , this may affect your future ability to obtain credit with other lenders.

In order to avoid any further detriment to your credit file please call us on 0844 822 4090 to make a payment of any amounts are overdue to to advise us when payment will be paid.

Letter goes on to say if i am experiencing financial difficulty they can duscuss and arrange a plan and will consider my case sympathetically .

[stuffthebanks]

Re: spent2much UE diary

sent missing PT template 13/8/2012

received 21/8/12
Dear spent2much,
RE request to cancel your agreement

We write in response to your letter dated 13th August 2012, which has been passed to me for consideration.

In relation to your request for a copy of your K&Co/Kays account credit agreement we have provided you with a copy of your current agreement in our letter dated 17th July 2012.

This agreement sets out the contractual arrangement that is in place at this time between us and you in relation your K&Co/Kays account and it includes all applicable contractual variants and amendments that have taken place since your account was opened.

It is clear, that by ordering and purchasing goods from us, you acknowledge that there is an existing relationship in place. In the event that you did not bleive there was such a relationship it is unlikely you would have bought and continued to buy goods from us.

The lastes case law in relation to the enforceability of credit agreements has made clear that uneforceability does not mean that the rights of the parties under a credit agreement were never acquired or are extinguished.

I therefore confirm that the current outstanding balance on your account is £1953.20 and an amount of £1953.20 has become payable but remains unpaid. I would like to take this opportunity to remind you that repaymets be made every 28 days in accordance with the terms and condtions you agreed to when you opened your account.

Failure to make repayments in accordance with such terms and conditions means that we may notify the credit reference agencies of such failure from time to tome. Consequently , this may affect your future ability to obtain credit with other lenders.

In order to avoid any further detriment to your credit file please call us on 0844 822 4090 to make a payment of any amounts are overdue to to advise us when payment will be paid.

Letter goes on to say if i am experiencing financial difficulty they can duscuss and arrange a plan and will consider my case sympathetically .

Hi STM,
Shop direct have used the same response to us,a standard response letter from them......
We ignored and waited for more of the same....

[The Tech Clerk]

Re: spent2much UE diary

sent missing PT template 13/8/2012

received 21/8/12
Dear spent2much,
RE request to cancel your agreement

We write in response to your letter dated 13th August 2012, which has been passed to me for consideration.

In relation to your request for a copy of your K&Co/Kays account credit agreement we have provided you with a copy of your current agreement in our letter dated 17th July 2012.

This agreement sets out the contractual arrangement that is in place at this time between us and you in relation your K&Co/Kays account and it includes all applicable contractual variants and amendments that have taken place since your account was opened.

It is clear, that by ordering and purchasing goods from us, you acknowledge that there is an existing relationship in place. In the event that you did not bleive there was such a relationship it is unlikely you would have bought and continued to buy goods from us.

The lastes case law in relation to the enforceability of credit agreements has made clear that uneforceability does not mean that the rights of the parties under a credit agreement were never acquired or are extinguished.

I therefore confirm that the current outstanding balance on your account is £1953.20 and an amount of £1953.20 has become payable but remains unpaid. I would like to take this opportunity to remind you that repaymets be made every 28 days in accordance with the terms and condtions you agreed to when you opened your account.

Failure to make repayments in accordance with such terms and conditions means that we may notify the credit reference agencies of such failure from time to tome. Consequently , this may affect your future ability to obtain credit with other lenders.

In order to avoid any further detriment to your credit file please call us on 0844 822 4090 to make a payment of any amounts are overdue to to advise us when payment will be paid.

Letter goes on to say if i am experiencing financial difficulty they can duscuss and arrange a plan and will consider my case sympathetically .

They will never go to heaven they lie?