paleomg's UE Diary

[paleomg]

And so it begins. I feel sick at the thought doing of this, but when your back is against the wall.............

[paleomg]

Re: TroubleandStrife's UE Diary

Capital One CC

Type of account credit card
Date commenced 1998
Approx balance £7,000 ish
Date last paid March 2012
Are you on arrangement or not paying £1

Status Default April 2012
Account owner Capital One



15th October cca response received

[paleomg]

Re: TroubleandStrife's UE Diary

MBNA CC

Type of account Credit Card

Date commenced pre 2000

Approx balance £7,000 ish

Date last paid March 2012
Are you on arrangement or not paying not paying £5 per month

Status Default August 2012

Account owner MBNA Aktiv Kapital


2012
13th Nov - Debt sold to Aktiv Kapital
18th Nov - Letter from Aktiv Kapital
22nd Nov - CCA request sent
28 Nov/14th Jan - Can't find the document

2013
22nd Jan - Copy of Application Form received

[paleomg]

Re: TroubleandStrife's UE Diary

Halifax CC


Type of account credit card

Date commenced pre 2000
Approx balance £12,000

Date last paid March 2012
Are you on arrangement or not paying £1

Status Default April 2012
Account owner Halifax cc

[paleomg]

Re: TroubleandStrife's UE Diary

I have emailed Niddy the cca response from cap 1. I had to send it via my Hotmail account. I hope that is ok.


The other two cc's are not causing any trouble at the moment.

[Never-In-Doubt]

Re: TroubleandStrife's UE Diary

I have emailed Niddy the cca response from cap 1. I had to send it via my Hotmail account. I hope that is ok.

This is UE - there are no terms either so respond as follows...

--> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[paleomg]

Re: TroubleandStrife's UE Diary

Thank you for confirming that Niddy.

Now ...how to get them to accept it

[Never-In-Doubt]

Re: TroubleandStrife's UE Diary

Thank you for confirming that Niddy.

Now ...how to get them to accept it

you don't, you simply send the template above.

[paleomg]

Re: TroubleandStrife's UE Diary

I'm back, after a very quiet few months !

MBNA/Aktiv Kapital CCA sent to Niddy

[paleomg]

Re: TroubleandStrife's UE Diary

This is weird....after sending the agreement last week, Aktiv Kapital have now sent another letter saying the account is still on hold as MBNA still can't find the document !

[MrsD]

Re: TroubleandStrife's UE Diary

muppets

[paleomg]

Re: TroubleandStrife's UE Diary

As it is approaching the deadline that AK have given, to pay up or else, I need to get something in the post to them tomorrow. So I am going to jump the gun and send off the 'missing prescribed terms' letter.

[ScabHunter]

Re: TroubleandStrife's UE Diary

Don't worry about their silly “deadlines”, they don't mean anything. The usual trick is to work it so the letter arrives after the “deadline”, so that people panic. Never panic at silly DCA threat templates. A proper letter before action is a cause for concern, this type of joke isn't.

Is this the one referenced in post #3, where you've been sent an application form?

If it is, there is a special template just for that -

Our Templates | Unenforceability Templates | CCA Query - Application Form Received

SH

[Never-In-Doubt]

Re: TroubleandStrife's UE Diary

As it is approaching the deadline that AK have given, to pay up or else, I need to get something in the post to them tomorrow. So I am going to jump the gun and send off the 'missing prescribed terms' letter.

As SH has said above, ignore their deadline and await future correspondence - no need to send anything back if they have since written confirming the account is still on hold....

Just sit back and chill

[paleomg]

Re: TroubleandStrife's UE Diary


Thanks, niddy. Did you get a chance to look at the document I sent to you ?


Oops sorry, just read your post properly