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  • #1

    Traintester's UE diary

    Background.

    I was a student in the early 2000s, got all the student accounts, people in the street waving credit card applications at you all the time, got a few, life was good. Then my world fell apart for one reason or another, lost my latterly acquired job and income and then just plain ran away. All my credit was taken up pre 2007...

    There have been a few letters back and forth to Bryan Carter for a £4197 debt, they seem to have given up on that one after sending a duff CCA back and me disputing the contents. I was using MSE's forums in those days but have had enough of people on high horses moralising at me etc and today I have found AAD and have hope in my heart.

    I have had letters going back and forth with Arrow Global for a debt assigned by RBOS and seem to banging my head against a brick wall so now I am asking NIDDY for help, Here goes!
    Last edited by Traintester; 8 December 2012, 11:02.
    Tags: 1st, 2012, 2nd, account, application form, april, arrow global, bank, bankers, card, cca, cca request, con, credit, credit card debt, date, dca, debt, default, defaulted, defaults, delay, documents, help, legislation, letter, mbna, messages, missing, niddy, phone, prescribed terms, rbs, sar, signature, statute, statute barred, templates, terms and conditions, ue diary, unenforceability
  • #2
    Re: Traintester's UE diary

    Royal Bank of Scotland.

    £2869.23.

    16/04/2007 Defaulted

    10/12/11 CCA request sent

    28/12/11 Reply received stating that "Arrow Global do not accept that they are the creditor as envisaged by the CCA 1974 but are willing to assist in obtaining that which has been requested. "

    19/10/2012 !!! CCA, Terms and conditions and statements received

    26/10/2012 Letter sent disputing validity of details received as agreement started before 2007.

    22/11/2012 Received Dispute of dispute

    08/12/2012 Found AAD. Sent copy of CCA to NIDDY..

    10/12/12 Niddy says possible enforceable

    10/12/12 Sent UE letter anyway!

    12/12/12 Niddy's cast his marvellous eye over it all and says UNENFORCEABLE!!

    18/01/13 Received letter from AG stating that they "believe the agreement complies with the statute."

    22/01/13 Sent SAR request to RBS to find out when SB kicks in

    14/02/13 "We require your signature to provide info requested " letter received

    16/02/13 Signature request reply template letter sent rec del

    02/04/13 "We require your signature to provide info requested " letter received

    10/04/13 ACCOUNT DISAPPEARS FROM CREDIT FILE!!! GREAT SUCCESS!!!
    Last edited by Traintester; 10 April 2013, 13:55.

    Comment

    • #3
      Re: Traintester's UE diary

      Heres hoping for a result for you and welcome to AAD

      Comment

      • #4
        Re: Traintester's UE diary

        Emailed Niddy

        Here's hoping!

        If anyone else thinks I need to post more info I have copies of all the correspondence so far, I just wish I'd found this forum earlier.

        Thanks to everyone for all the great information on here, it really is a goldmine.

        Traintester.

        Comment

        • #5
          Re: Traintester's UE diary

          Originally posted by Traintester View Post
          Emailed Niddy

          Here's hoping!

          If anyone else thinks I need to post more info I have copies of all the correspondence so far, I just wish I'd found this forum earlier.

          Thanks to everyone for all the great information on here, it really is a goldmine.

          Traintester.
          It sounds as though you've found us in time to get yourself on the right track (awful pun intended). We don't have any of the high and mighty moralising which people suffer on Martin's Spongiform Encephalopathy, we are purely here to help.

          Welcome and good luck with everything.

          SH

          Comment

          • #6
            Re: Traintester's UE diary

            Its not clear above, but can you advise us (if possible)
            the exact date (or as near to) when you took the card out,
            the date of the last payment,
            and when you were formally defaulted.

            EDIT - Ok, seen the default date - when was the LAST payment made. Looks from the above this could already be very close to being Statute Barred!
            Last edited by oscar; 8 December 2012, 12:30.
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #7
              Re: Traintester's UE diary

              Its not clear above, but can you advise us (if possible)
              the exact date (or as near to) when you took the card out,

              Exact date of application - 10/04/02
              Start date of account according to Equifax - 07/05/02

              the date of the last payment,

              Exact date of last payment is not known, is there any way of finding this out, i.e. any kind of official request letter? The exact date of the last payment must have been a couple of months before the default date at least

              and when you were formally defaulted.



              Formally defaulted as above 16/04/12
              Last edited by Traintester; 8 December 2012, 12:45.

              Comment

              • #8
                Re: Traintester's UE diary

                Welcome here, and god luck with this journey, this place is a goldmine.

                Comment

                • #9
                  Re: Traintester's UE diary

                  Hi all and thanks for all the welcome messages.

                  I need something cleared up here and hopefully someone will be able to help.

                  I reply to my CCA request I received an account statement, some terms and conditions badly photocopied.
                  Along with these was a photo copy of the application form for the account.

                  Does there have to be an agreement signed by me and the bank present in this lot or not?

                  Thanks,

                  Traintester

                  Comment

                  • #10
                    Re: Traintester's UE diary

                    Originally posted by Traintester View Post
                    Hi all and thanks for all the welcome messages.

                    I need something cleared up here and hopefully someone will be able to help.

                    I reply to my CCA request I received an account statement, some terms and conditions badly photocopied.
                    Along with these was a photo copy of the application form for the account.

                    Does there have to be an agreement signed by me and the bank present in this lot or not?

                    Thanks,

                    Traintester
                    Usually you'd send either of these back

                    1st choice. Our Templates | Unenforceability Templates | CCA Query - Illegible Document Received

                    2nd choice. Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #11
                      Re: Traintester's UE diary

                      Edit: Niddy's already answered
                      Let your smile change the world but don't let the world change your smile

                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: Traintester's UE diary

                        Hi Niddy,

                        Did you get a chance to look at the documents I put up in the documents section only viewable by you?

                        Thanks,

                        Traintester

                        Comment

                        • #13
                          Re: Traintester's UE diary

                          Originally posted by Traintester View Post
                          Hi Niddy,

                          Did you get a chance to look at the documents I put up in the documents section only viewable by you?

                          Thanks,

                          Traintester
                          not as yet, I will do before close of play tonight (or before 8am)
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #14
                            Re: Traintester's UE diary

                            Thanks Niddy

                            Missing PTs off in the post tomorrow.

                            Traintester

                            Comment

                            • #15
                              Re: Traintester's UE diary

                              Niddy says could be enforceable

                              But going to try the art of blag.

                              Here goes nothing!!!

                              Comment

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