Ken100464 UE Diary

[ken100464]

Re: Ken100464 UE Diary

Type of account (credit card/loan) MoreBankersNeedArresting ( Boooooooooooooooooooooooooooooooooooooo )
Credit card
Date commenced (ideally before Apr 2007)
2002 we think
Approx balance
£2200
Date last paid (approximate date you last made a FULL payment)
2008
Are you on arrangement or not paying
Arrangement CCJ at £22 pcm
Status (default/in arrears/up-to-date)
Default 2009 CCJ and CO 2009
Account owner (who is writing to you, a DCA or the lender)
Owner MFS who we write to Optima Legal

Complaint off to FOS on this one. However just after we posted this have a letter back from the OC saying they are looking into our complaint again and it is taking much longer than they thought. No shit sherlock you thought we were just dumb dumbs

[ken100464]

Re: Ken100464 UE Diary

• Type of account (credit card/loan)GE Money/Santander
  Credit Card but could have once been a storecard There are two account numbers for this account. Seemed to change 2003/2004
  
• Date commenced (ideally before Apr 2007)
  2002 we think
  
• Approx balance
  £700
• Date last paid (approximate date you last made a FULL payment)
• Spring 2009

• Are you on arrangement or not paying
• Arrangement £10
  
  
• Status (default/in arrears/up-to-date)
• Hmmmmmmm red 6's all the way. However we know OC defaulted us in Spring 2009. ICO has this one
• Default spring 2009 after ICO them.
  
  
• Account owner (who is writing to you, a DCA or the lender)
• CL Finance

CCa emailed to Niddy

Our most chatty DCA has suddenly lost its voice after our two CCA letters.

I know what they will have to send back and I am sure they know what they have now got from Santander. Its yellow can sit in your hand and smells like a lemon.

Hmmm I wonder what it is?

[Pixie]

Re: Ken100464 UE Diary

[ken100464]

Re: Ken100464 UE Diary

Hey Pixie

Like Rolf says "Can you tell what it is yet"

[Pixie]

Re: Ken100464 UE Diary

A canary that's been squirted with air freshener

[ken100464]

Re: Ken100464 UE Diary

Dam I might have to pay now spoil sport

[Pixie]

Re: Ken100464 UE Diary

No, I wouldn't bother paying if it's a canary

[ken100464]

Re: Ken100464 UE Diary

• Type of account (credit card/loan)GE Money/Santander
  Credit Card but could have once been a storecard There are two account numbers for this account. Seemed to change 2003/2004
  
• Date commenced (ideally before Apr 2007)
  2002 we think
  
• Approx balance
  £700
• Date last paid (approximate date you last made a FULL payment)
• Spring 2009

• Are you on arrangement or not paying
• Arrangement £10
  
  
• Status (default/in arrears/up-to-date)
• Hmmmmmmm red 6's all the way. However we know OC defaulted us in Spring 2009. ICO has this one
• Default spring 2009 after ICO them.
  
  
• Account owner (who is writing to you, a DCA or the lender)
• CL Finance

CCa emailed to Niddy

Cant quite believe this lot as they must have a death wish or someit.
Letter sent to us admitting AP's were wrong as we have a default recorded by the OC. Even kindly gave us £50 in compensation.

Just done our CRA check as part of seeing they are all behaving.

Guess what these muppets have done. Not defaulted the account and left on the AP markers.

Oh dear I have a default from the OC. I have a default on one of the CRA's when it was with the OC. I have a letter from the DCA admitting it was defaulted and therefore they will correct all three CRA's to show it is defaulted.

I have £50 compensation from the DCA admitting they are muppets.

What shall I do????? Write to them pointing out the error of their ways? Or shall I complain to FOS and get them charged the case fee of £500.

Difficult one this. On one side I could be decent or on the other I could inflict real pain seeing as my account is worth £700.

Is there anyway we could start a poll? See what AAD members think I should do?
PS I have 2 years before it really makes any difference if on AP or default so have all the time in the world on this one.

Any advice??????

[ken100464]

Re: Ken100464 UE Diary

Type of account (credit card/loan) MoreBankersNeedArresting ( Boooooooooooooooooooooooooooooooooooooo )
Credit card
Date commenced (ideally before Apr 2007)
2002 we think
Approx balance
£2200
Date last paid (approximate date you last made a FULL payment)
2008
Are you on arrangement or not paying
Arrangement CCJ at £22 pcm
Status (default/in arrears/up-to-date)
Default 2009 CCJ and CO 2009
Account owner (who is writing to you, a DCA or the lender)
Owner MFS who we write to Optima Legal

4th letter offering a 25% discount. Muppets if you know where this is going hopefully, you would be sending this back to the gangsters not offering poxy deals then threatening me with hell and damnation if we dont fall for it.

[ken100464]

Re: Ken100464 UE Diary

What was the exact date that the CCA rules changed in April 2007?

[ken100464]

Re: Ken100464 UE Diary

Type of account (credit card/loan) Egg
Credit Card
Date commenced (ideally before Apr 2007)
2001 however there was an account number change Apr 2007. OH cant remember anything about this. SAR has shown nothing up but also didnt reveal any CCA's
Approx balance
£2300

Date last paid (approximate date you last made a FULL payment)
2009

Are you on arrangement or not paying
Arrangement £20 pcm

Status (default/in arrears/up-to-date)
Default 2009
Account owner (who is writing to you, a DCA or the lender)
APEX

7/12/2012 Letter from Apex. They are in receipt of our CCA request (1st and second letters sent to get account in dispute)

Egg are not responding to their requests for CCA but they will continue to try.

In the meantime they invite us to carry on paying.
Just tidying up my thread didnt realise it was this long ago that Apex went a looking. Its ok guys stay there if you like.

CCA and documents posted to Niddy in secure section.

[ken100464]

Re: Ken100464 UE Diary

Type of account (credit card/loan) Egg
Credit Card
Date commenced (ideally before Apr 2007)
2001 however there was an account number change Apr 2007. OH cant remember anything about this. SAR has shown nothing up but also didnt reveal any CCA's
Approx balance
£2300

Date last paid (approximate date you last made a FULL payment)
2009

Are you on arrangement or not paying
Arrangement £20 pcm

Status (default/in arrears/up-to-date)
Default 2009
Account owner (who is writing to you, a DCA or the lender)
APEX

7/12/2012 Letter from Apex. They are in receipt of our CCA request (1st and second letters sent to get account in dispute)
Egg are not responding to their requests for CCA but they will continue to try.
In the meantime they invite us to carry on paying.

18/2/2013 CCA and documents posted to Niddy in secure section.

28/2/2013 Apex writing requesting payment proposals within next 7 days.
Not sure if this is EN or UE yet

[ken100464]

Re: Ken100464 UE Diary

Type of account (credit card/loan) Egg
Credit Card
Date commenced (ideally before Apr 2007)
2001 however there was an account number change Apr 2007. OH cant remember anything about this. SAR has shown nothing up but also didnt reveal any CCA's
Approx balance
£2300

Date last paid (approximate date you last made a FULL payment)
2009

Are you on arrangement or not paying
Arrangement £20 pcm

Status (default/in arrears/up-to-date)
Default 2009
Account owner (who is writing to you, a DCA or the lender)
APEX

7/12/2012 Letter from Apex. They are in receipt of our CCA request (1st and second letters sent to get account in dispute)
Egg are not responding to their requests for CCA but they will continue to try.
In the meantime they invite us to carry on paying.

18/2/2013 CCA and documents posted to Niddy in secure section.

28/2/2013 Apex writing requesting payment proposals within next 7 days.
Not sure if this is EN or UE yet

5/3/2013. Another threat giving us 10 days to pay up or they will set the hell hounds onto us. This time the word litigation has crept in. It is only pre litigation so not a LBA. However the tone of letter is a definite rachet up of the pressure.
We have not replied as yet but feel we perhaps need to get something to them.

[MrsD]

Re: Ken100464 UE Diary

what did Nids say?

[ken100464]

Re: Ken100464 UE Diary

Mrs D

He will look it over next few days.

However we are starting to feel we need to get something off as the tone is changing for sure. This is now letter 3 none of which we have replied to

The ten days which nicely includes 2 weekends, ends mothering sunday so they sure know how to play mind games.