Tigger69 UE Diary

[Never-In-Doubt]

Re: Tigger69 UE Diary

Ok Thanks Niddy. Will sort some small payments out in the short term and look at it again when we see what the SAR brings from Kays. Thanks again dunno where I'd be without you.

Hiya, nooo - for the moment stop all payments and see how far they will push it. Basically, ignore them now but post updates here, just don't respond ok?

Don't pay, no need to right now - not unless they threaten court which for the sum involved, would be costly and stoopid!

[Never-In-Doubt]

Re: Tigger69 UE Diary

Thanks evenlessdopey Now I'm waiting for it to default, they'll probably not bother

Hmmm, me thinks they ought to be doing it within 6mths or we'll fight them for removal cos they should do it within 6mth of first missed payment.

[Tigger69]

Re: Tigger69 UE Diary

Hi Niddy Thank you for the great news, what a weight you've lifted off my shoulders!!!! ;D Probably being a complete and utter numpty here (sorry) but just want to check which letter you want me to send to NDR ...debtors final response - cca received??

I posted the link, click it!

Its here: ---> CCA Query - Application Form Received

;D Ok will do Thanks.

[Tigger69]

Re: Tigger69 UE Diary

Hiya, nooo - for the moment stop all payments and see how far they will push it. Basically, ignore them now but post updates here, just don't respond ok?

Don't pay, no need to right now - not unless they threaten court which for the sum involved, would be costly and stoopid

no problem.

[Tigger69]

Re: Tigger69 UE Diary

Thanks evenlessdopey Now I'm waiting for it to default, they'll probably not bother

Hmmm, me thinks they ought to be doing it within 6mths or we'll fight them for removal cos they should do it within 6mth of first missed payment.

Its got to be well over 6 months, hmm need to check.... will put that on my to do list before I start :yeah

[Never-In-Doubt]

Re: Tigger69 UE Diary

hmmm, keep us updated....

[Tigger69]

Re: Tigger69 UE Diary

Will do

[Never-In-Doubt]

Re: Tigger69 UE Diary

Cheers gh gh

[Tigger69]

Re: Tigger69 UE Diary

I would send the SAR - leave it at that for now. That covers everything about YOU that that lender has. So if you send it to Kays, it may well form other brands

Hi Niddy. Its finally arrived, not as much as I thought, only the stuff Kays hold and even that doesn't seem complete, no cca's of any type!

[Never-In-Doubt]

Re: Tigger69 UE Diary

Hi Niddy. Its finally arrived, not as much as I thought, only the stuff Kays hold and even that doesn't seem complete, no cca's of any type!

LOL, cos they don't have it - they never do!

However don't miss the issue, weren't you SARing them to determine when the default was placed on the credit file?

[Tigger69]

Re: Tigger69 UE Diary

Hi Niddy Ermmmmmmmm lol

Have quoted (hopefully) the post below where you suggested we SAR them.
I'd previously sent a CCA request, they returned a more recent fixed sum loan agreement, no original agreement. Other than that I just did as you suggested lol
Still waiting for the defaults to actually land.

Hmmm,

I'm confused lol. Ok, I think you need to SAR them as a whole, which will supply you everything. Lots of work for you, to filter through it all, but I need accurate accounts - so we need to original agreement when you opened the account. The subsequent agreements you are signing seem to be fixed term Buy now pay later (BNPL) agreements which are all well and good, but how can they differentiate payments - ie what amount would be paid into what account/element of s.77?

Basically, send this and get EVERYTHING they hold about you: ---> viewtopic.php?p=2312#p2312

[Never-In-Doubt]

Re: Tigger69 UE Diary

Hi Niddy Ermmmmmmmm lol

Have quoted (hopefully) the post below where you suggested we SAR them.
I'd previously sent a CCA request, they returned a more recent fixed sum loan agreement, no original agreement. Other than that I just did as you suggested lol
Still waiting for the defaults to actually land.

Sorry, remember now (eeek, its been busy you appreciate).... i'd not respond right now, just ignore them and see what they do next....

[Tigger69]

Re: Tigger69 UE Diary

Ok Will do. Thanks Niddy
I had noticed you've been very busy........you've even hidden the smilies .lol. Off to catch up and find my way around now.

[Never-In-Doubt]

Re: Tigger69 UE Diary

you've even hidden the smilies .lol. Off to catch up and find my way around now.

No I haven't - I made a post in the actual thread I expected you all to read, being I asked you to when I emailed the password link out!!

See this: ---> http://forums.all-about-debt.co.uk/s...60&postcount=3

Then read that whole thread or you'll miss loads of little tricks and features

[Tigger69]

Re: Tigger69 UE Diary

Wondered why I had saved and flagged the email. I was supposed to change the settings before posting .
The site looks great Niddy.