inneedofhelp UE Diary

[Never-In-Doubt]

Re: inneedofhelp UE Diary

Think it's time for the Doorstep Bugger Off letter...

Yep get it sent off

[inneedofhelp]

Re: inneedofhelp UE Diary

Yep get it sent off

Thank you Niddy - and blimey that was quick

[Never-In-Doubt]

Re: inneedofhelp UE Diary

Thank you Niddy - and blimey that was quick

Keep us updated!

[inneedofhelp]

Re: inneedofhelp UE Diary

Update on Barclaycard. CSL have just received the doorstep threat letter. They have previously had Account Sold.

In response dated 17 Sep from CSL.. rather strange. They say

"We write in reply to your template letter dated 15th September and reference to English Common Law.

However iny our letter you made no attempt whatsoever to resolve this matter and we would ask you to profide us with full details of any outstanding dispute and your reason for non payment..."

They go on to say if you are experiencing financial difficulty blah blah blah and we look forward to hearing from you.

Do you think they've had enough of Niddy letters haha?!

I don't think any response is necessary, is it?

[Deepie]

Re: inneedofhelp UE Diary

Update on Barclaycard. CSL have just received the doorstep threat letter. They have previously had Account Sold.

In response dated 17 Sep from CSL.. rather strange. They say

"We write in reply to your template letter dated 15th September and reference to English Common Law.

However iny our letter you made no attempt whatsoever to resolve this matter and we would ask you to profide us with full details of any outstanding dispute and your reason for non payment..."

They go on to say if you are experiencing financial difficulty blah blah blah and we look forward to hearing from you.

Do you think they've had enough of Niddy letters haha?!

I don't think any response is necessary, is it?

I Would send this > --->Final Response - Unenforceability (General)

[inneedofhelp]

Re: inneedofhelp UE Diary

I Would send this ---> Final Response - Unenforceability (General)

Sent... Cheers!
Will let you know what they come back with...

[inneedofhelp]

Re: inneedofhelp UE Diary

Finally got a CCA from NatWest. It's only taken them the best part of a year.

Arrgh just typed a long message and lost it. Here goes again!

Received are:-

1. Covering letter justifying what they are sending.

2. Signed agreement. Looks legit and looks like the correct signature.

3. Sheet headed "Reverse of Application ... name/address". This looks like it's been added onto the top of a sheet of Ts and Cs. It's only one page and doesn't eg describe late payment charges.

4. Three sets of Ts and Cs. They are each 2 pages. Last one doesn't look complete as it isn't headed "Credit Agreement" like the other 2 are.

5. Letter meant to look like the coverign letter that is sent out with your card. It can't be a copy of the original as it's the wrong address for that. Stapled to it is another set of Ts and Cs. The late payment charge on this is £12 so that signals to me this was not the set in force at the time of the agreement. I'm sure it would have been higher (2002).

6. They have also sent latest statement.

Really not sure about this. Don't see why they have sent 4 different sets of Ts and Cs and whether that makes any difference.

There was PPI on this (probably accounts for a quarter to one fifth of the balance they claim (ie about £500 of £2300). We haven't claimed anything as we didn't want to upset the apple cart.

Advice v welcome!

[garlok]

Re: inneedofhelp UE Diary

Hi inneed of help,

Did you just lose the message? It has happened to me numerous times. When you log into AAD, click the little box "Remember me" alongside (to the right) your user name at the log in. That prevents the software from "timing you out" whilst you are typing epistles.

regards
Garlok

[Pixie]

Re: inneedofhelp UE Diary

Hi inneedofhelp

Creditors usually send 2 copies of T&Cs with ccas, those in place when the agreement was taken out and the current T&Cs. I don't know why they sent 4!!

Don't panic over it looking legit, it might not be.

Have a read of Niddy's advice on what to do with agreements while he's away

[inneedofhelp]

Re: inneedofhelp UE Diary

Hi inneed of help,

Did you just lose the message? It has happened to me numerous times. When you log into AAD, click the little box "Remember me" alongside (to the right) your user name at the log in. That prevents the software from "timing you out" whilst you are typing epistles.

regards
Garlok

Thanks Garlock.

I confuse myself as two of us (I normally post as MGS, Inneed is my OH and I normally upload his stuff for him) so I only Remember Me, for me if you see! That probably makes absolutely no sense at all. Anyway hopefully it was just a blip as it's not happened before and it's all good typing practice!!

[inneedofhelp]

Re: inneedofhelp UE Diary

Hi inneedofhelp

Creditors usually send 2 copies of T&Cs with ccas, those in place when the agreement was taken out and the current T&Cs. I don't know why they sent 4!!

Don't panic over it looking legit, it might not be.

Have a read of Niddy's advice on what to do with agreements while he's away

I've no idea why they have sent 4 apart from maybe they hope that one of them will be the right one I'm not panicking and I'm sorely tempted to write back thanking them for the 4 sets of Ts and Cs and asking them which is the right one...
Shall hold off though and check the link you've given. Thanks v much (MGS posting as Inneed).

[inneedofhelp]

Re: inneedofhelp UE Diary

Finally got a CCA from NatWest. It's only taken them the best part of a year.

Arrgh just typed a long message and lost it. Here goes again!

Received are:-

1. Covering letter justifying what they are sending.

2. Signed agreement. Looks legit and looks like the correct signature.

3. Sheet headed "Reverse of Application ... name/address". This looks like it's been added onto the top of a sheet of Ts and Cs. It's only one page and doesn't eg describe late payment charges.

4. Three sets of Ts and Cs. They are each 2 pages. Last one doesn't look complete as it isn't headed "Credit Agreement" like the other 2 are.

5. Letter meant to look like the coverign letter that is sent out with your card. It can't be a copy of the original as it's the wrong address for that. Stapled to it is another set of Ts and Cs. The late payment charge on this is £12 so that signals to me this was not the set in force at the time of the agreement. I'm sure it would have been higher (2002).

6. They have also sent latest statement.

Really not sure about this. Don't see why they have sent 4 different sets of Ts and Cs and whether that makes any difference.

There was PPI on this (probably accounts for a quarter to one fifth of the balance they claim (ie about £500 of £2300). We haven't claimed anything as we didn't want to upset the apple cart.

Advice v welcome!

I don't want to clog your inbox Niddy as these run to several pages,but as they ahve sent 4 copies of Ts and Cs would it be sensible next course to write back and ask them which is the right one?

[inneedofhelp]

Re: inneedofhelp UE Diary

Letter from Scotcall - looks like NatWest have appointed them. Usual doorstep threat. Have responded with a combination of account Sold and Doorstep threat (this worked a treat with them for my OH's CapOne which they were dealing with).

Still not sure what response should send to NatWest themselves regarding their 4 sets of Ts and Cs...

[Never-In-Doubt]

Re: inneedofhelp UE Diary

Letter from Scotcall - looks like NatWest have appointed them. Usual doorstep threat. Have responded with a combination of account Sold and Doorstep threat (this worked a treat with them for my OH's CapOne which they were dealing with).

Still not sure what response should send to NatWest themselves regarding their 4 sets of Ts and Cs...

send this back to Natwest - as it is: ---> CCA Query - Missing Prescribed Terms

[inneedofhelp]

Re: inneedofhelp UE Diary

send this back to Natwest - as it is: ---> CCA Query - Missing Prescribed Terms

Thank you Niddy, you are a star, as always. Will get that letter off to them, and have sent Account Sold to the DCA.