Rhinoman UE Diary

[Never-In-Doubt]

Re: Rhinoman UE Diary

Hiya

Any call back as yet or has his secretary now gone sick as well

[rhinoman]

Re: Rhinoman UE Diary

Hiya

Any call back as yet or has his secretary now gone sick as well

I have spoke to his secretary again but have had no information regarding him sending the letter when I asked him not to.
I have had a letter advising me and enclosing a copy of the letter they sent to crapbot and an explanation as to why he hasn't been in contact, his letter was clearly sent out before I found out that the letter had been sent out to crapbot despite me asking him not to send it, Doesn't say anything about the current situation,
Regards
Rhinoman

P.S. Thank you for looking at my copy of the CCA I sent the other day good news that it's unenforceable but I guess have got to wait until they send us your reply to this CCA request before I respond to them in any form.

[Never-In-Doubt]

Re: Rhinoman UE Diary

Hmmm, this gets worse by the minute - bloody solicitors, they are all the same!

Just wait and see what develops, you can always remove authority to the solicitors if necessary anyway....

Keep us updated

[rhinoman]

Re: Rhinoman Unenforceable Diaries

Capital One Bank (6)
1. Type of account: Credit Card
2. Date commenced: 07/2003
3. Approx balance: £1,689.00
4. Date last paid: August 2009
5. Are you on arrangement or not paying: I was paying through a debt management company but not paying anything at the moment
6. Status : Defaulted
7. Account owner: Capital One Bank, I think that this has been passed around a few DCA
History
Up to 2010 have been playing letter tennis with various DAC's but got no where.
20th of October 2010 sent capital one SAR request.
5th of November 2010 Capital One fulfilled my CCA request. But said they could not have provide a copy of my consumer credit agreement as I had failed to send them a one pound statutory fee though in the bundle of paperwork there is a consumer credit agreement that on the surface appears to be correct and enforceable and I'm no expert.
6th of December 2010 Sent Capital One Bank the following: ---> viewtopic.php?p=1503#p1503 CCA Query - Missing Prescribed Terms

16th of December 2010 Letter received from Capital One. Thanking me for writing to them about my account, and advising me that it's going to take some time to look into my situation and come back with a detailed response we are doing everything we can to get an answer to you within four weeks of this letter and if for some reason our investigations take longer than four weeks they will contact me and let me know why.
They have also enclosed leaflet entitled ''Please tell us if we make a mistake''!

[Never-In-Doubt]

Re: Rhinoman UE Diary

Hiya

Just ignore for the moment - keep us updated though, with any developments yea?

[rhinoman]

Re: Rhinoman Unenforceable Diaries

B&Q GE Money (8)
1. Type of account: B&Q Project Plan Account.
2. Date commenced: 04/2005
3. Approx balance: £3,520.00
4. Date last paid: August 2009
5. Are you on arrangement or not paying: I was paying through a debt management company but not paying anything at the moment
6. Status : Defaulted
7. Account owner: CL Finance

History
10th of August 2010 CL Finance Ltd a CCA
29th of September 2010 received my copy from CL finance of the consumer credit agreement looks good to me but what do I know.
18th of October sent a letter to CL finance asking for statement and a copy of the deed of assignment which and had not been included with the consumer credit agreement.
28th of October 2010 letter received back from CL finance with a copy of the letter they say was sent in December 2006 which was a notice of assignment and a statement the notice of assignment is from themselves not the original lender.
12th of November 2010 letter received from CL finance asking to payment and if I didn't make payment they wouldn't defaulted account Registry on the credit reference agencies.
14th of November 2010 sent letter and e-mail offering full and final payment on account. And pointing out that they had already defaulted the account
14th of November 2010 e-mail received declining my offer a full and final, but saying they would accept the full amount less about 10% discount or words to that effect
15th of November 2010 e-mail them again asked them to reconsider.
17th of November 2010 e-mail from CL finance referring me to their previous e-mail and declining my offer
19th of November 2010 sent letter to CL finance list of current debts balances offers made, another full and final offer or a payment of one pound per month per account token payment
20th of November 2010 Notice of this default sums and default notice But had already defaulted this account on 5 th June 2007 (thought you could only get one default per account)

Note Added have the letter from 2007 but looking at my credit file not sure that they have actually added the default to the file,

Question as they sent me a default notices in 2007 but did not register until say now when they have issued me a new default notice should the default notices run from 2007, Or from now if it's now it means that it will be another six years before it drops off the file could I argue with the credit reference agencies that the default should only run from 2007?

This is enforceable, once you respond regards to the offers in my previous posts, i'll update this.

13th of December 2010. Statement received from CL Finance Ltd but still no reply to my full and final offer or £1 a month token payment offer sent on 19 November

[rhinoman]

Re: Rhinoman Unenforceable Diaries

B&Q GE Money (9)
1. Type of account: Store Card
2. Date commenced: 04/2005
3. Approx balance: £796.00
4. Date last paid: August 2009
5. Are you on arrangement or not paying: I was paying through a debt management company but not paying anything at the moment
6. Status : Defaulted
7. Account owner: CL Finance
History
10th of August 2010 CL Finance Ltd a CCA
29th of September 2010 received my copy from CL finance of the consumer credit agreement looks good to me but what do I know.
18th of October sent a letter to CL finance asking for statement and a copy of the deed of assignment which and had not been included with the consumer credit agreement.
28th of October 2010 letter received back from CL finance with a copy of the letter they say was sent in December 2006 which was a notice of assignment and a statement the notice of assignment is from themselves not the original lender.
12th of November 2010 letter received from CL finance asking to payment and if I didn't make payment they wouldn't defaulted account Registry on the credit reference agencies.
14th of November 2010 sent letter and e-mail offering full and final payment on account. And pointing out that they had already defaulted the account
14th of November 2010 e-mail received declining my offer a full and final, but saying they would accept the full amount less about 10% discount or words to that effect
15th of November 2010 e-mail them again asked them to reconsider.
17th of November 2010 e-mail from CL finance referring me to their previous e-mail and declining my offer
19th of November 2010 sent letter to CL finance list of current debts balances offers made, another full and final offer or a payment of one pound per month per account token payment
20th of November 2010 Notice of this default sums and default notice But had already defaulted this account on 5 th June 2007 (thought you could only get one default per account)

This is enforceable, once you respond regards to the offers in my previous posts, i'll update this.

8th of December 2010. Statement received from CL Finance Ltd but still no reply to my full and final offer or £1 a month token payment offer sent on 19 November

[rhinoman]

Re: Rhinoman UE Diary

Hmmm, this gets worse by the minute - bloody solicitors, they are all the same!

Just wait and see what develops, you can always remove authority to the solicitors if necessary anyway....

Keep us updated

Hi Niddy Merry Christmas and a Happy New Year to you
23rd of December 2010. Received a reply from the solicitor I will PM it to you for your views I probably won't respond to the solicitors until after Christmas I think the only good thing is that the full and final offer letter he wrote to Cobot had a two-week deadline on it which I think now will have passed.

[rhinoman]

Re: Rhinoman UE Diary

Merry Christmas and Happy New Year !

To all the members of this site

[rhinoman]

Re: Rhinoman UE Diary

Hmmm, this gets worse by the minute - bloody solicitors, they are all the same!

Just wait and see what develops, you can always remove authority to the solicitors if necessary anyway....

Keep us updated

Hi Niddy Merry Christmas and a Happy New Year to you
23rd of December 2010. Received a reply from the solicitor I will PM it to you for your views I probably won't respond to the solicitors until after Christmas I think the only good thing is that the full and final offer letter he wrote to Cobot had a two-week deadline on it which I think now will have passed

Happy UE New Year Niddy and everybody else on about debt forums I hope everyone had a wonderful Christmas and good New Year
Niddy thank you for looking at PM before Christmas and I have sent you another one today this letter I intend to send the solicitor.

[rhinoman]

Re: Rhinoman UE Diary

I mean, did you get a loan and was a charge placed on your account by your parents?
A;I did get the loan money currently lodged with a solicitor, permission granted by current lender for second charge not sure whether solicitor has completed the work to register the second charge with the land Registry has communicated with me for about three weeks now. I have just sent him an e-mail to try and get an update

4th of January 2011 Sent an e-mail to the solicitor to clarify the position on charge.
4th of January 2011 Received and reply from the solicitor paper work all sent should be completed in the next 14 days. :what

[rhinoman]

Re: Rhinoman UE Diary

Hi Niddy
I have PM a copy of the letter I am thinking of sending to the solicitor in response to his letter.
I have reworked it from the version I sent you yesterday and added a few more points and the terms without prejudice.
Thanks for your help
Regards
Rhinoman

[Never-In-Doubt]

Re: Rhinoman UE Diary

Hiya

can you please PM me on here cos the file you sent to me - I cannot open?

Add the attachment to the PM

Thanks

[rhinoman]

Re: Rhinoman UE Diary

Hiya

can you please PM me on here cos the file you sent to me - I cannot open?

Add the attachment to the PM

Thanks

Hi Niddy have PM you again with it and sent as a PDF file. I hope you can open it this time. :confusing
Many thanks
Rhinoman

[Never-In-Doubt]

Re: Rhinoman UE Diary

Are you sending emails?

A PM is this here (click me!)