Traintester's UE diary

[ScabHunter]

Re: Traintester's UE diary

The statement that was sent was dated 2010 and had my current address on it but I haven't made a payment since well before then. When they (Arrow Global) sent me the statement it was the first time I'd seen it as I've had no contact whatsoever with RBS since before the default.

Did that statement received in 2010 allege that you made a payment around that time, or was it just a statement which showed the same balance in and out?

SH

[vint1954]

Re: Traintester's UE diary

Well a SAR is the only sure way of getting your statements.

But if you are sure you have made no payments since the default, then you are just about there.

Post again when you get further communications from the DCA

[Traintester]

Re: Traintester's UE diary

The statement that was sent was dated 2010 and had my current address on it but I haven't made a payment since well before then. When they (Arrow Global) sent me the statement it was the first time I'd seen it as I've had no contact whatsoever with RBS since before the default. Think it may be worth the investment of £10 in a SAR????

[ScabHunter]

Re: Traintester's UE diary

I have no information at all such as statements. When I ran away from all this I did it properly as in everything got disposed of. I know it was at least 3 months that I made no payments before the defaults happened so it may be getting very close indeed.

If you are absolutely certain of that, then this will either be SB already or right on the edge.

In post #2 on the first page, you said that on 19/10/12 you were sent “CCA, Terms and conditions and statements”. Did those statements not give you any idea of when you last paid?

SH

[Traintester]

Re: Traintester's UE diary

Looking at another account that has a default it has info on equifax showing 3 months of records, ie 1 payment late, 2 payments late, three payments late and then default.

The one that Arrow Global are after only has one red square that says default and it is in April 2007 so by my reckoning the last payment would have been January 2007.

Looks promising, yes???

thanks,

Traintester

[Traintester]

Re: Traintester's UE diary

I have no information at all such as statements. When I ran away from all this I did it properly as in everything got disposed of. I know it was at least 3 months that I made no payments before the defaults happened so it may be getting very close indeed. Is a SAR the thing to do to get copies of statements?

Thanks,

Traintester

[vint1954]

Re: Traintester's UE diary

I would try looking in your own information first.

Try and think if you paid them anything after the Default was received and how long before the default you last paid them.

If you cannt remember or find that information, a SAR should show it up, but a little early for that at this stage. See what you can find first,

[Traintester]

Re: Traintester's UE diary

thanks for that, how do I get that information?

[vint1954]

Re: Traintester's UE diary

Statute Barred will run from the last time you made a payment or the last time you acknowledged the Debt, not from the time of default.

It is quite important to try and pinpoint the last payment. If it was before the default, you may already be there.

[MrsD]

Re: Traintester's UE diary

personally I'd send a one liner referring them to my previous letter...........

[Traintester]

Re: Traintester's UE diary

Ok,

So now do I send them another letter, one of the final responses from the template section or wait for something else to show up?

Don't worry I'm in no hurry to get back to them but fore-warned is fore-armed and all that!

[Still Waving]

Re: Traintester's UE diary

It seems to be a common ploy that the OC/DCA claim that they have complied with CCA74, hoping that you will now pay up. They may or may not have complied, but the question is whether the agreement is Enforceable in court.

Go by what Niddy says re whether or not it's UE, and decide on your strategy for continuing to fight the cause. It's not necessarily all over by a long way.

[Traintester]

Re: Traintester's UE diary

Hi all,

I had a reply from ARROW GLOBAL to the UE letter saying

We refer to your recent letter, the contents of which has been noted.

We have previously provided a copy of the credit agreement that was signed by you at the time of the inception and believe the agreement complies with the statute.

We intend to pursue payment of the debt and now look forward to receiving your payment proposals.

Is this a regular thing, are they trying to get me to forget everything that has happened so far and just send them money or would this be a precursor to action?

Thanks all,

Traintester

[oldyboy]

Re: Traintester's UE diary

Also to prolong "their agony" any letters they send back to you saying they are giving you 10 or 14 days till this, that, or the other is going to happen or they give you a specific date I'd wait closer to the date they are stipulating before sending a letter of response back. In other words don't be too hasty in sending a reply back when you have got a bit of a breathing space and all the while the clock is ticking and getting closer to April 2013 (SB time).

Of course if anything important needs sending back to them then you need to deal with it appropriately.

I have an account with MBNA which is deemed enforceable but I've been blagging some time now and not heard from them since June 2012 (Account 4 on my diary) so you should be OK. (fingers crossed)

Good luck

Hi and welcome.

Just drag it out as much as you can. I have waited until the 'deadline' stated in DCA letters has just passed by a day or two before posting a reply.

When you start spouting UE stuff the DCAs go on the backfoot as they realise you're not going to be a pushover. Presumably you're not talking to them on the phone and that also weakens them.

[Oct Revolution]

Re: Traintester's UE diary

Ok, so say that this is enforcable, what are the steps available to me to delay the process as this will be statute barred in early April 2013...

Thanks everyone

Also to prolong "their agony" any letters they send back to you saying they are giving you 10 or 14 days till this, that, or the other is going to happen or collection activities are suspended for 14 days, or they give you a specific date I'd wait closer to the date they are stipulating before sending a letter of response back. In other words don't be too hasty in sending a reply back when you have got a bit of a breathing space and all the while the clock is ticking and getting closer to April 2013 (SB time).

Of course if anything important needs sending back to them then you need to deal with it appropriately.

I have an account with MBNA which is deemed enforceable but I've been blagging some time now and not heard from them since June 2012 (Account 4 on my diary) so you should be OK. (fingers crossed)

Good luck