Conquistador's UE Diary 2010

[Never-In-Doubt]

Re: Conquistador's UE Diary 2010

Egg plc

15.12.10 Response received from Clarity - copy sent to Niddy for advice.

Hiya

Since when was a CCA £3? I am confused here - lol. I suggest you ignore them for the moment, retain that letter cos it is utter nonsense! £1 is the statutory fee for obtaining a CCA - they cannot ask for £3! Muppets!

[Never-In-Doubt]

Re: Conquistador's UE Diary 2010

MBNA Europe Bank Ltd

17.12.10 CCA copy received and sent to Niddy for enforceability status.

This is unfortunately enforceable. I'd either blag it or consider repayments - its up to you really....

[Conquistador]

Re: Conquistador's UE Diary 2010

MBNA Europe Bank Ltd

17.12.10 CCA copy received and sent to Niddy for enforceability status.

This is unfortunately enforceable. I'd either blag it or consider repayments - its up to you really....

That's okay, I've been paying them £1 PCM for nearly two years now without contest....at least I have closure either way.

[Conquistador]

Re: Conquistador's UE Diary 2010

Egg plc

15.12.10 Response received from Clarity - copy sent to Niddy for advice.

Hiya

Since when was a CCA £3? I am confused here - lol. I suggest you ignore them for the moment, retain that letter cos it is utter nonsense! £1 is the statutory fee for obtaining a CCA - they cannot ask for £3! Muppets!

Well it's UE anyway, I just don't understand why they think I want a CCA when your template lets them know the payments have ceased... :confusing

[Never-In-Doubt]

Re: Conquistador's UE Diary 2010

To be honest i'd ignore both for the moment, forget about it until the New year and see if they write back to you....

[Conquistador]

Re: Conquistador's UE Diary 2010

To be honest i'd ignore both for the moment, forget about it until the New year and see if they write back to you....

Well I haven't stopped paying Link anyway, so I guess I'll just keep paying until completion, unless you suggest a better plan...

[Conquistador]

Re: Conquistador's UE Diary 2010

HSBC Bank

Account Type Personal Loan
Commencement Date TBC
Approximate Balance £7247
Are you on arrangement or not paying On Arrangement
Status (default/in arrears/up-to-date) Up-to-date
Account owner (who is writing to you, a DCA or the lender) DG Solicitors

08.11.10 CCA Request sent

I haven't heard anything from these guys yet, what do you suggest?

[Never-In-Doubt]

Re: Conquistador's UE Diary 2010

So long as you sent the CCA Request off that is all that matters - they cannot take action if that is outstanding mate.....

[Conquistador]

Re: Conquistador's UE Diary 2010

So long as you sent the CCA Request off that is all that matters - they cannot take action if that is outstanding mate.....

I've cancelled the existing Standing Order for this debt in the meantime...

[Conquistador]

Re: Conquistor's Unenforceability Diary 2010

Barclaycard

Account Type Credit Card
Commencement Date TBC
Approximate Balance £3432
Are you on arrangement or not paying On Arrangement
Status (default/in arrears/up-to-date) Up-to-date
Account owner (who is writing to you, a DCA or the lender) Westcot DCA

08.11.10 CCA Request sent
10.11.10 Referred to Barclaycard for CCA
30.11.10 Letter sent to Westcot with PO for Barclaycard as requested

31.12.10 PO returned and asked to send replacement made to Lender not DCA so new PO sent out today.

[billypre]

Re: Conquistador's UE Diary 2010

Thats a bit strange and sure Niddy will have something to say on the matter. Its not up to you to do any chasing like that. They are hassling you to pay and its THEM that should chase the CCA surely ?

[Conquistador]

Re: Conquistador's UE Diary 2010

Lloyds TSB Bank plc

Account Type Credit Card
Commencement Date 01.06.04
Approximate Balance £6609
Are you on arrangement or not paying On Arrangement
Status (default/in arrears/up-to-date) Up-to-date (although bank claims arrears)
Account owner (who is writing to you, a DCA or the lender) Lender

08.11.10 CCA Request sent
17.11.10 Reconstituted Copy of unsigned CCA received.
03.12.10 UE Template letter sent as per Niddy.
Many Thanks Niddy!

29.12.10 Letter received from Lloyds TSB - copy PM'd to Niddy for reference.

[Never-In-Doubt]

Re: Conquistor's Unenforceability Diary 2010

31.12.10 PO returned and asked to send replacement made to Lender not DCA so new PO sent out today.

Why would you do that? You should be asking us for help here!

See this, what is what you should have sent! ---> viewtopic.php?p=2308#p2308

[Never-In-Doubt]

Re: Conquistador's UE Diary 2010

29.12.10 Letter received from Lloyds TSB - copy PM'd to Niddy for reference.

Its their final response, so ignore them...... see what happens next

[Conquistador]

Re: Conquistor's Unenforceability Diary 2010

31.12.10 PO returned and asked to send replacement made to Lender not DCA so new PO sent out today.

Why would you do that? You should be asking us for help here!

See this, what is what you should have sent! ---> viewtopic.php?p=2308#p2308

;D Oh well, at least I'll get the CCA and closure either way...