Ahhwell UE Diary

[AhhWell]

Re: Ahhwell UE Diary

Hi all

Just a quick question, I have a CCA request expiring in 2 days time so that is the 12+2 period expiring.

Going to send this reminder

But it says

I am considering cessation of payments towards this account

.

I am not making any payments at the moment. so do i remove this sentence? or?

It is to a DCA that I have never paid money to but i never did CCA the OC.

Cheers

[Deepie]

Re: Ahhwell UE Diary

Hi all

Just a quick question, I have a CCA request expiring in 2 days time so that is the 12+2 period expiring.

Going to send this reminder

But it says .

I am not making any payments at the moment. so do i remove this sentence? or?

It is to a DCA that I have never paid money to but i never did CCA the OC.

Cheers

Don't send anything just sit tight for now.............

[AhhWell]

Re: Ahhwell UE Diary

Ahh OK thanks.

I always thought there was stages to meet before I sent the Final Demand one off.

Will sit tight for a bit.


Sods law its on the door mat when i get home LOL

[AhhWell]

Re: Ahhwell UE Diary

Did you send this CCA request to the same creditor who's got a CCJ against you? or is it a different one?

As I2D says, don't remind them, they are in default of your s.78 request. But if they've already got a CCJ, then they don't have to respond to a s.78 request.

Nope CCJ one gone very quiet and i assume still with the OC at this stage.

This is for a daft bunch that Niddy is going to town with in another thread, but i get paranoid posting in that section as they frequent the forum too

[AhhWell]

Re: Ahhwell UE Diary

Thanks.

I assume reminders are for Original Creditors and when you were making payments then.

I shall stay very quiet on the matter.

I assume they will still send something though even if outside the timetable, this just temporarily prevents them from enforcing.

[AhhWell]

Re: Ahhwell UE Diary

Hi all

Had a letter from Arrow Global over the weekend reponding to a letter I sent them back in May .

The headlines

I told them account sold in dispute.

They write back in May to say "oh no it is not"

I send them another letter saying you failed to understand the contents of my letter and added on to it that MBNA have failed to supply a true copy. I can not recall if i have sent Niddy what MBNA sent me so I will email you the documents to double check if enforceable as i have a feeling i started this one way back when i use to scan that "other" forum were they guy has just sold up

And now they have sent this letter.

Do I ignore or send something back?

Niddy full details will be in the email I send you.

Many Thanks

[Deepie]

Re: Ahhwell UE Diary

Hi all

Had a letter from Arrow Global over the weekend reponding to a letter I sent them back in May .

The headlines

I told them account sold in dispute.

They write back in May to say "oh no it is not"

I send them another letter saying you failed to understand the contents of my letter and added on to it that MBNA have failed to supply a true copy. I can not recall if i have sent Niddy what MBNA sent me so I will email you the documents to double check if enforceable as i have a feeling i started this one way back when i use to scan that "other" forum were they guy has just sold up

And now they have sent this letter.

Do I ignore or send something back?

Niddy full details will be in the email I send you.

Many Thanks

I would send this if it were me-----> Final Response - Unenforceable (CCA Received)

[AhhWell]

Re: Ahhwell UE Diary

Thanks In 2 Deep

I have emailed Niddy the documents and whether its enforceable or not I will ready that letter to see how they respond.

If it is enforceable I may as well try to blag it before I negotiate a payment plan.

Fingers crossed it is though

[AhhWell]

Re: Ahhwell UE Diary

Many thanks Niddy for a prompt reply yesterday.

MBNA stamped as

On the ignore list until any follow up correspondence

[AhhWell]

Re: Ahhwell UE Diary

Its been a while and I have had a bit of correspondence from some numpties which has been managed based on what I have learnt here. However its time for an update and they are interesting cases to post about.I have 3 updates and I will add them as 3 separate posts. 1 is good news [and a LOL moment] and 2 are Cabot and MK Rapid Recoveries which is a new name to me.

So here it goes...

Ahhwell

[AhhWell]

Re: Ahhwell UE Diary

Further to this post allaboutFORUMS - View Single Post - Ahhwell UE Diary

I got this response several weeks later

Dear Mr Ahhwell,
We have been contacted by CL Finance Limited in relation the query you previously raised with us. We apologise for the delay in our response and wish to thank you for your continued patience.

We can confirm that our letter of 20th July 2012 was sent to you in error. There has been no County Court Judgement raised against you in relation to this account. We sincerely apologise for this mistake and any inconvenience it may have caused you.

We have decided, therefore, to close the account as a gesture of goodwill which will be done with immediate effect. You will hear no further from us or any other organisation in relation to this matter

We hope that this is a satisfactory outcome.

What a daft lot.

[The Tech Clerk]

Re: Ahhwell UE Diary

Further to this post allaboutFORUMS - View Single Post - Ahhwell UE Diary

I got this response several weeks later



What a daft lot.

Pity I did not receive a letter like that from HSBC (DG Sols) just that their solicitor stated it was a mistake HSBC made in stating that to me in a letter, the DJ stated "Oh! well mistakes happen". But when I made a slight mistake just after, answer basically = HARDLUCK.

[Diasflac]

Re: Ahhwell UE Diary

Further to this post allaboutFORUMS - View Single Post - Ahhwell UE Diary

I got this response several weeks later



What a daft lot.

That is excellent news, congrats!

I wonder if this would always be the case for falsely claiming things like CCJ's in letters, the fine they'd receive would surely be higher than the debt. Would a threat of further action if they didn't settle the account work in situations like this?

[AhhWell]

Re: Ahhwell UE Diary

Ok my friends from Cabot with regard to an alleged debt from CITI.

I have had all sorts of correspondence with CITI but in brief I sent CITI a CCA request they sent back T&C's I sent them back its just a T&C's template and they come back with they have complied with CCA 1974 I say no then send them a Final letter.

Then Cabot come on the scene i send them a account sold while in dispute letter, they ignore me saying CITI complied, I deny that and copy them in on the 'just a T&C's letter' I sent to CITI. Then it goes quiet and every so many months I get letters from Cabot saying we are still awaiting info from CITI, and this has gone on for just over a year, then yesterday i get this letter;

Dear Mr Ahhwell

We have acquired the statements of account from Opus relating to this account and have enclosed copies for your attention. We apologise for the delay in supplying this but this can sometimes be the case when requesting archived information.

Opus has advised us that Citi Financial did comply with your request under the Consumer Credit Act 1974 in July 2010 and they have confirmed that since the account was owned by Opus that they did not receive any requests from you.

It is now important that you contact us within thirty days from the date of this letter in order to discuss your payment arrangements. The balance currently outstanding on this account is £xxxx.xx. If we fail to hear from you within the specified time period then your account may be passed to our collections department, where you will then be contacted to discuss your repayment options.

We trust this clarifies the matter.

Note: I never even knew that Opus owned the account as all correspondence was sent to CITI, when CITI went quiet i heard from Cabot next.

I attach a copy of one of the statements they are providing which do not say much and do not show transactions.

My query is do i just remind Cabot i have not seen a 'True copy' of the CCA and say that the account is still in dispute with CITI and I have not been told that Opus took over.

This is also a post April 2007 account

What do you think?

Thanks

[AhhWell]

Re: Ahhwell UE Diary

Now the for the real numpties MK Rapid Recoveries.

This is just for a few hundred pound but these guys are so persistent that i just want to beat them up with it and hopefully it will cost them more than the actual debt

Its regarding an alleged HSBC debt. I never had any real CCA correspondence with the HSBC as my last letter to them was I am being made redundant and I was trying to make them a full and final offer which had to be retracted because of this circumstance.

Anyway it went very quiet for years and now these guys pop up.

This is a pre April 2007 matter

The history with these is as follows;

1. They contact me I CCA request them.
2. They send me a copy of an incomplete application and some T&C's [I can email these if you request]
3. They kept phoning
4. Sent them telephone letter and it stopped.
5. They write to me to say they have supplied enough so pay up and this is a Final Response.
6. I write the following letter as they pissed me off;

In response to your letter dated 15 April 2013 reference XXXXXXX I respond as follows.

You obviously misunderstand, or chose to ignore the contents of my letter dated 26 February 2013 whereby I informed you that you failed to provide a true copy of the alleged executed agreement and instead you chose to send an application form which clearly was not completed and does nothing to support your case.

You did since write to me with a letter that does nothing to further your case which I chose to ignore because as stated in my letter dated the 26 February 2013 the alleged account is unenforceable and that I would only further correspond with you if you actually supply me with the original agreement, which clearly you cannot as you would have supplied it by now if it actually existed.

In conclusion I believe that you are wholly misguided in your approach and that you are ignoring fundamental facts that undermine your position. You will appreciate that this letter is not without prejudice so please be aware that your conduct will be brought to the attention of the appropriate tribunal at the appropriate time when matters of costs are addressed

Then i get two letter as they like to write from different areas of the same address This from MKDP;

Further to your recent correspondence regarding the above account. I can confirm that a Final Response was issued to you on the 8th March 2013. As no new information has been provided to us regarding this matter I must advise you that our complaints procedure has now been exhausted and we are unable to enter in to any further correspondence regarding this matter.

Should you remain unhappy with our response, you do have the right to refer your concerns to the Financial Ombudsman Service. This must be done within six months of the Final Response dated 8th March 2013 where a leaflet was previously enclosed which explains how to do this.

Do i ignore or write to FOS?

And this letter from MKRR;

FINAL DEMAND
As you have not taken up our offer of help your account is now with the pre-legal department.
This has left us with no option but to transfer your account to Raven Recoveries to resolve this on our behalf. This may involve applying to the courts for a County Court Judgment which if successful will enable us to commence with one or more of the following steps:
•Instructing a bailiff to remove goods from your property
•Obtain a charge against your property (if you are a homeowner)
•Deduct monies directly from your salary through your employer (if you are employed)
•Request your attendance at court for an examination of your financial means
This is your final opportunity to avoid this happening. We are still in a position to help you and we do not want to take legal action so please contact us immediately and avoid leaving this as our only
option.

Do I respond to this or await contact from Raven Recoveries and go through the whole CCA issue?

Thanks in advance

Ahhwell