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Re: The SaltnVinegar UE Diary
Sounds promising.
Sounds promising.
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Re: The SaltnVinegar UE Diary
Thanks SW. It was promising when all BH could provide was an application form with no prescribed terms. They've gone and flogged it off to Cabot who are now having difficulty in even providing that, so I expect it'll do the DCA merry-go-round for a while yetOriginally posted by Still Waving View PostSounds promising.
"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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.
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Re: The SaltnVinegar UE Diary
Well after a year of having an email from QQ approx every 3 days today I get an email stating that they have sold the account (and all legal rights and duties), to BCW (Gothia). So I expect I will get a nice letter from Buchanan Clark and Wells, Mercers, or Red in the near future. Looking forward to taking them to task on this one as QQ have done pretty much everything incorrectly (including the NoA)!Originally posted by SaltnVinegar View Post"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Looks like I'm going to get a monthly letter off Firstsource then! I'm still not tempted by their F&F offer if I call them. They can provide a postal address that is not in India first!Originally posted by SaltnVinegar View Post"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Final demand from Firstsource stating that they will return the account to the OC if they do not have a response from me, and that they will inform the OC that they have been unable to reach a resolution. Well as I am not going to write to an address in Mumbai then they will just have to do that won't they?!Originally posted by SaltnVinegar View Post"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Just an update on this - had a few emails from Gothia on a special 'online offer'. Had a little look and it was nothing more than an information fishing exercise (as had to put in a LOT of personal information), so not that stupid.Originally posted by SaltnVinegar View Post
I also had a NoA - I'm going to wait until the first serious letter than send an account in dispute letter, by the fact that QQ have done nothing to address my complaint from more than a year ago. Looking forward to some fun with this lot!"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Ok this is an interesting one - so far no CCA has been produced, however all they have sent is a bunch of statements.Originally posted by SaltnVinegar View Post
However............. most of the statements I have never received, this is because that the address that is on the statements is not mine, it is an address 100's of miles away. I'm thinking Barclaycard have screwed up big time with this one. Will be interesting to see what/if any CCA they send and what address details will be on it.
Whats the view on their chances with this - is having statements with the wrong address on it sufficient to challenge an agreement, balances etc?"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
A CCA request will be going off tomorrow on this. Will be interesting to see what they come back with considering that on the majority of the statements that they have sent me is the wrong person!Originally posted by SaltnVinegar View Post"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Letter received from MKDP - they are unable to currently resolve my query. They are liaising with original creditor. They aim to work professionally and apologize for the delay blah blahOriginally posted by SaltnVinegar View Post"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Hi AllOriginally posted by SaltnVinegar View Post
Letter received from BCW Group today. Apparently I have missed some great offers to settle my account. Apparently they are also confident that they have a solution which I may not have considered myself.
Well I have a solution which they may not have considered either! Don't think thats what they have in mind though!
"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Hi EveryoneOriginally posted by SaltnVinegar View Post
Ok MKDP have finally got round to sending me a reconstituted copy of the alleged CCA. Except I think they are on extremely dodgy ground here as they have sent me TWO copies, one that has my address on it, another that has the details of someone with the same surname as me but a completely different address.
The copies of statements that they sent me also have a different address on from that which I've lived the last 8 years.
So this begs the question - how can an accurate reconstitution of an agreement be made?
Do I have grounds to dispute this on the fact?
Best
SnV"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
Bump
Any ideas on this? If memory serves I remember seeing a template letter to send if a CCA had wrong address/name on it (or was this a Niddy special?) but can't find it now.
Am I showing my hand too early by pointing out that both CCA and statements have an incorrect address on them?
Cheers
SnV
Originally posted by SaltnVinegar View Post"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
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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Re: The SaltnVinegar UE Diary
First of all, if there is no trace of this alleged debt on your credit reference agency files, it is either someone else's debt which those numpties have concluded was incurred by you just because you have the same surname, or it is over six years old and may thus be time barred by section 5 (link) of the Limitation Act 1980.
Does this other person have the same given name or initial as you?Originally posted by SaltnVinegar View Post
Is it the same address as that given on either of the alleged twue copies of the agreement?The copies of statements that they sent me also have a different address on from that which I've lived the last 8 years.
Have you ever resided at that address?
It has to state the nsne of the alleged debtor and the address at which they resided at the time the agreement was made; if you have never lived there or if they've got your name wrong, then they've cocked it up completely.So this begs the question - how can an accurate reconstitution of an agreement be made?
I'd say so, but I do doubt that you'd really have enough there to ask the Court of Protection to get the jerk at MKDR certified as a loony.Do I have grounds to dispute this on the fact?
I''d not bother about sending them a template letter, as the FCA rules appear to be rather stricter than the "guidance" from the Office of Faffing and Twaddling, and any letter sent to MKDR should reflect the fact that they do not seem to have the least idea or proof that you did incur the debt.Comment
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Re: The SaltnVinegar UE Diary
How much do you owe mate?Originally posted by SaltnVinegar View Post
We can try and help get it written off -
I did it recently for another user, I think it was in merchant rentals but we've done it maybe 5-6 times to date - it's a great bargaining chip
Gimme a shout if you need help with that mate, you get one chance to kill it at this stage so don't rush in....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.ukComment
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Re: The SaltnVinegar UE Diary
And how much does the other person owe?Originally posted by Never-In-Doubt View Post
Could you offer to get their debt written off too, for 5% of their debt?
Last edited by CleverClogs (RIP); 16 June 2014, 10:26.Comment
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