Gregco UE diary

[gregco]

Re: Gregco UE diary

They are still in default and can't enforce while they are in default of your s.78 request.

Do you think there any way I can get them to acknowledge the UE?

[SA Gold]

Re: Gregco UE diary

Do you think there any way I can get them to acknowledge the UE?

From reading all the diaries (and from my own dealings) it would appear this depends on the creditor.
Barclays actually stated in their replies to me they acknowledge they cannot enforce due to missing paperwork. What a shame

[gregco]

Re: Gregco UE diary

If this is the first contact from Hull Heroes Wetclothes it may be a good idea to fire off the Sold in Dispute letter just to notify the of the ongoing dispute ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

I had them on my case a couple of years ago and haven't heard from them since...

Have sent them the Dispute letter recorded delivery Today.

Received a letter today from Wetclothes, They've 'suspended all collection activities on the above account whilst the matter is under investigation. Upon conclusion perhaps several weeks, they will contact me again' I look forwards to it

[gregco]

Re: Left it too Late? 2 Court Claims received

• Type of account Current Account Overdraft HSBC
• Date commenced Pre Feb 2004
• Approx balance £886 although before charges etc £800
• Date last paid Aug 2011
• not paying
• Status default
• Account owner Central Debt recovery unit

This has been transferred to Wescot Who've sent a Notice of Debt Collection letter...Should I fire off the CCA OD req to them, or the second part, or sold in dispute?!?As its OD. Or just put it in the Filing cabinet.

[Deepie]

Re: Left it too Late? 2 Court Claims received

This has been transferred to Wescot Who've sent a Notice of Debt Collection letter...Should I fire off the CCA OD req to them, or the second part, or sold in dispute?!?As its OD. Or just put it in the Filing cabinet.

Looks like your not the only one------> http://forums.all-about-debt.co.uk/s...5&postcount=47

[gregco]

Re: Gregco UE diary

Just received some FINAL NOTICE letters from wetcloth. Is this one I need to respond to. These are both on the OD Accounts

[gregco]

Re: Gregco UE diary

Wetclothes issue FINAL NOTICES like confetti! Have you sent the O/D CCA request?

Yes I believe I sent it to the DCA, prior to Wescot taking over the account. Looks like I also sent an account in dispute letter to them, however I think that was for the CC, Should I request the paperwork originally requested before wetcloth took over..

Dear Sirs,

Ref: XXXXXXXX

I refer to previous correspondence and in particular my request for information under the provisions of The Consumer Credit (EU Directive) Regulations 2010; and also c.39 (s.74 (A&B) (VA)) CCA(1974).

I formally requested a copy of the required documents that should have been sent to me annually by [enter bank name here] and am to date still awaiting such documents.

Until such time as I am in receipt of the requested information, this account cannot be enforced and remains in an unenforceable position because the basic underlying principles of legislation are being ignored. I attach a copy of my original request again, and hope that this time you'll take me more seriously and actually send out historical data as required within the legislative statute that is the Consumer Credit Act (1974).

I look forward to your response within the next 28 days with the requested information.

Yours faithfully,


Sign Digitally

[The Tech Clerk]

Re: Gregco UE diary

Wetclothes issue FINAL NOTICES like confetti! Have you sent the O/D CCA request?

Now we know where confetti comes from lol

[SA Gold]

Re: Gregco UE diary

Now we know where confetti comes from lol

at the next wedding, i am going to give myself the task of trying to piece together all the confetti and make the original wet clothes letter.

[gregco]

Re: Gregco UE diary

• Type of account credit card opus
• Date commenced Oct 2010
• Approx balance £3025 although before charges etc £2580
• Date last paid July 2011
• not paying
• Status default
• Account owner DCA Connaught Collections

The citi account was merged into Opus - so the start date may be different, it may not as in Oct 2010 Citi issued cards, in which case UE is not an option however I wanted to ensure that you didn't think the date Opus took over as being the start date - but it may well be within that same month - sods law.

Best to check it out, so for now get the CCA and lets see....

Now that helps, but if in 2008 it still doesn't give UE protection but we can always look to blag it, Opus are not known for being aggressive, me thinks they are still finding their feet....

I kicked their arse easily enough

Lets see what the CCA (if any) provides.....

Hello,

All was quiet on the home front then on Friday 9th November Con collections decide to break the peace and quiet by sending me a 'true copy' of my credit agreement 'at the time the account was opened' & 'at the point of default' with a 'statement of account'; Which in my opinion is a little thin. There are no dates on it saying "your account was opened on 'today' date" only a header with the date on it, there are no signiture's, digital or else. So I'm thinking get off photoshop and get a proper hobbie...Any way.

As there is no confirmation on when this account was opened and I'm a little vague, where do I stand on the whole UE?

Think this is Niddy expert area for consideration or is it fact not enforceable as no signature?

[SXGuy]

Re: Gregco UE diary

What was the date on the header?

[gregco]

Re: Gregco UE diary

What was the date on the header?

I'm presuming its a date; '002 - Citi & bmibaby Cards 11 01 2008' Is all it say's.

[gregco]

Re: Gregco UE diary

Ive had a letter from Wescot;
Wescot Credit Services is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the above outstanding balance on their behalf.
YOUR OUTSTANDING BALANCE IS:
£xxxxx
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY. If you
have any queries or any of the information supplied is incorrect, please contact us on the number supplied.
TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST:
PLEASE CONTACT US AS SOON AS POSSIBLE AS FAILURE TO DO SO WILL RESULT IN FURTHER RECOVERY ACTION.
1. PAY THE DEBT IN FULL TO:
Wescot Credit Services Ltd PO BOX 137
HU28HF Wescot Payment
2. CONTACT US ON:

It is the first contact from Wetclothes, although I've only sent a CCA to the prior DCA who 'owned' the debt not OC...Is it still applicable? I'll send anyway!

Have sent them the Dispute letter recorded delivery Today.

Received a letter from Wet Cloth
Blah Blah Blah...We will suspend all collections on above account while matter is under investigations,,, Upon concluding our investigation we will contact you. We appreciate your patience during this time.

[gregco]

Re: Gregco UE diary

Sounds like it was from Jan 2008, not good for UE purposes...
I bet you won't eat or sleep till they contact you.


I never heard from them once they started investigating, over a year ago!

Finger Crossed They leave me alone too.

[gregco]

Re: Gregco UE diary

I've received a letter which states they have enclosed a copy of the statements as requested: Payment is now due..The 'statement' they've sent looks like this..

Your signature xxxxxxxxxxxxx

Account Number xxxxxxxxxxxxx

From time to time you may instruct us to carry out a transaction on your account that requires us to verify your signature. So that we can carry out any such transaction request, I would be grateful if you could provide me with a copy of your signature for our records.
To provide a copy of your signature(s), you will need to sign and date ain the spaces provided below. If you have a joint account, we will need a signature for each account holder.

First account holder Second account holder
Name:xxxxxxxxx
Signature:xxxxxxxxx
Date:xxxxxxxxxx

Once complete, please return this document to us at......

Account opening
customer services
Blah blah blah

Then I receive a SECOND letter from a solicitor representing Wescot;

Dear Sir/Madam,
As offer to reduce the amount payable on your debt
we are instructed by wescot regarding the above outstanding balance. As a final attempt to avoid further action , wescot is prepared to offer a discount to settle your account.

This offer is only available for a limited period. You should contact wescot by telephoning 0194091840198240 to agree a suitable settlement, or the offer will be withdrawn and further action will continue to recover the full outstanding balance of £1019.

To take advantage contact wescot on 0918274301794017

If you are unable to take advantage of this offer, wescot will still consider a realistic repayment plan and you should contact them to discuss your options. Unless a suitable arrangement plan is reached with wescot within 10 days of the date of this letter, further recovery action will be taken.

You can pay by debit card or Credit card, cheque quoting the reference

Yours sincerely.

Do I need to respond to this letter????