Tigger69 UE Diary

[Tigger69]

Re: Tigger69 UE Diary

You did do it right, well done

You'll see I replied to your upload as well

This is a clear recon i.e. they have stuck the top bit with no terms to the base with the terms - at the time, these were not linked (they never were) and so the same applies, it is and remains

You need to send this to CrapQuest: ---> CCA Query - Copy Document Supplied

Crapquest have replied re: Very account, they have referred the above to the compliance department. A quality Assurance officer will respond in due course and the account is on hold while they investigate.

[Never-In-Doubt]

Re: Tigger69 UE Diary

Crapquest have replied re: Very account, they have referred the above to the compliance department. A quality Assurance officer will respond in due course and the account is on hold while they investigate.

Okies, they will write back denying your claim of UE and instead try and make idle threats, so for now - just ignore them yea?

[Tigger69]

Re: Tigger69 UE Diary

OkThanks Niddy. Suppose it was too much to hope they'd roll over and accept that its UE .

[Never-In-Doubt]

Re: Tigger69 UE Diary

OkThanks Niddy. Suppose it was too much to hope they'd roll over and accept that its UE .

They won't do that i'm afraid.....

[Tigger69]

Re: Tigger69 UE Diary

Crapquest have replied re: Very account, they have referred the above to the compliance department. A quality Assurance officer will respond in due course and the account is on hold while they investigate.

Hi Niddy
Letter from Quality Assurance Officer at Crapquest in response to the copy document letter we sent regarding Very's CCA. In short they deny knowledge of my dispute with Very and ask if I deny signing a credit agreement, ordering goods, receiving statements or making payments to help them understand my dispute.
However they appreciate that I believe the agreement supplied is non compliant but state as I would have received a copy when I signed it, I have had every opportunity to raise my issues and concerns in relation to the agreement
Crapquest state they are awaiting statements relating to the account and they will forward them to me upon receipt. Whilst they are waiting for all the required documentation the account remains unenforceable and no further action will be taken against me. They would also confirm that in the unlikely event they are unable to supply the relevant documentation it does not mean that the debt ceases to exist, nor does it mean that Capquest would have to close the account and remove any data held on file.

[Tigger69]

Re: Tigger69 UE Diary

Littlewoods


Type of account: Catalogue
Opened: 02/11/2005
Approx: balance £1880
Last full payment Approx June 09
Stopped token payments in September,
Status: Default 31/01/11
Account owner: NDR
Lowells 18/02/11


CCA request, will send Niddy a copy of CCA

12/12/10 Letter received from Littlewoods asking me to phone them regarding my last letter (that will probably be the settlement offer from before I found you guys)
18/02/11 Letter received from Lowell's, they have bought the debt from SDG
23/02/11 Niddy - ignore for now.
9/03/11 credit file alert Lowells placed default 31/01/11
6/04/11 Letter from Lowells, SDG have not forwarded the CCA, therefore Lowells will not be contacting me until they can send me the CCA.
3/05/11 CCA received, enforceable as before. Payment requested. Niddy says ignore
5/05/11 Voice text, emails and phone calls - Niddy says ignore.
16/05/11 Lowells passed account to Red. Letter received. Niddy says ignore.

Letter from Red this morning Niddy offering a 30% discount, if I pay the 70% in full or set up a direct debit for £60 a month no further action will be taken. I have ten days to respond or the account will be passed on to Hamptons Legal.

[Never-In-Doubt]

Re: Tigger69 UE Diary

Hi Niddy
Letter from Quality Assurance Officer at Crapquest in response to the copy document letter we sent regarding Very's CCA. In short they deny knowledge of my dispute with Very and ask if I deny signing a credit agreement, ordering goods, receiving statements or making payments to help them understand my dispute.
However they appreciate that I believe the agreement supplied is non compliant but state as I would have received a copy when I signed it, I have had every opportunity to raise my issues and concerns in relation to the agreement
Crapquest state they are awaiting statements relating to the account and they will forward them to me upon receipt. Whilst they are waiting for all the required documentation the account remains unenforceable and no further action will be taken against me. They would also confirm that in the unlikely event they are unable to supply the relevant documentation it does not mean that the debt ceases to exist, nor does it mean that Capquest would have to close the account and remove any data held on file.

They are sad, soooo sad

Basically ignore them til they come back with the prescribed data you requested. Until then it remains unenforceable, if however they do not find the agreement then i'll show you how to make them eat their words when we demand they stop hassling you - yes, they can ask for repayment on an UE debt - but that's all, they cannot enforce it!

[Never-In-Doubt]

Re: Tigger69 UE Diary

Letter from Red this morning Niddy offering a 30% discount, if I pay the 70% in full or set up a direct debit for £60 a month no further action will be taken. I have ten days to respond or the account will be passed on to Hamptons Legal.

Respond with this for now (yes, I know you're blagging this but lets see what happens yea?) ---> Threat by Lender/D.C.A - To commence litigation

[Tigger69]

Re: Tigger69 UE Diary

They are sad, soooo sad

Basically ignore them til they come back with the prescribed data you requested. Until then it remains unenforceable, if however they do not find the agreement then i'll show you how to make them eat their words when we demand they stop hassling you - yes, they can ask for repayment on an UE debt - but that's all, they cannot enforce it!

I'll look forward to that Niddy, will keep you informed. Thanks

[Tigger69]

Re: Tigger69 UE Diary

Respond with this for now (yes, I know you're blagging this but lets see what happens yea?) ---> Threat by Lender/D.C.A - To commence litigation

Blagging will commence asap. Thanks again Niddy

[Tigger69]

Re: Tigger69 UE Diary

Letter from Red this morning Niddy offering a 30% discount, if I pay the 70% in full or set up a direct debit for £60 a month no further action will be taken. I have ten days to respond or the account will be passed on to Hamptons Legal.

That was a quick 10 days! Another letter from Red saying act now to prevent legal action, they have passed the account over to Hamptons Legal as they haven't received a payment offer.

The threat by lender letter is ready to go so will get that posted in the morning unless you say otherwise Niddy.

[Never-In-Doubt]

Re: Tigger69 UE Diary

Get it sent ASAP!!

[Tigger69]

Re: Tigger69 UE Diary

Kays Catalogue

Type of account: Catalogue
Opened: 28/12/2001
Approx: balance £2226.00
Last full payment ?? Will have to check exact date but over a year ago June 09 approx
5 Stopped token payments in September,
Status: Default 31/01/11
Account owner: NDR
Lowells 7/02/11

4/12/10 - SAR sent recorded delivery
30/12/10 - Acknowledgement of SAR received today, (dated 24/12/10)
- Received 20/01/11
18/02/11 - Letter from Lowell Portfolio, Debt sold to them on 7/02/11
24/02/11 - Debtors final response- No CCA received letter sent on 24/02/11
9/03/11- Credit file alert- Lowells placed default 31/01/11
3/05/11 Letter from Lowells, Kays have no CCA, Lowells have closed their file. Thanks Niddy

Letter from Lowells re Kays apparently Shop Direct have not yet been able to supply statements which I requested. So after reviewing my account they are prepared to take a commercial view and as a gesture of goodwill and strictly without any admission of liability, they have decided to close the account and write off any outstanding balance.
However should statements become available at any time in the future they reserve the right to reinstate the balance and contact me to recover the full amount owing. they were doing so well until the last paragraph.

[Tigger69]

Re: Tigger69 UE Diary

Get it sent ASAP!!

Aye Aye Captain

[Deepie]

Re: Tigger69 UE Diary

Well done Tigger