LooLoo's UE Diary

[LooLoo]

Re: LooLoo's UE Diary

Egg – Credit Card

1) Credit Card
2) Start Date 22/07/2003.
3) Approx Balance - £7,612
4) Last full payment – September 2009.
5) &nbspas on arrangement plan - £88 – last payment 25th November, 2010.
6) No default issued as of yet, on credit report shows as on AP
7) At the moment still with Egg. After a year on AP Egg refused to extend the AP any more, I explained that my situation had not changed in anyway.

18th December - CCA request sent with £1 cheque
21st December – letter received by Egg and signed for.
Various phone calls and a letter chasing for payment throughout December from Egg
30th December - Egg cashed £1 cheque
31st December - Received CCA from Egg Niddy says
5th January CCA query letter sent
Couple of phone calls in Jan - not answered - emails on my on line account telling me they MUST speak to me.
18th January SAR request sent with £10 cheque
18th January - phone call
18th January - letter received - scanned in and sent to Niddy
26th January - letter received - asking for times/dates and nature of calls to enable to help them find the details they need.
27th January - Letter sent as per Niddy's instruction
4th February - letter received asking for £1 fee for CCA....
12th February - SAR received

Nothing really going on and they have nor replied to my query letter of the 5th January - but they are calling me a lot (it is at home and I'm not there most of the time) but this really stroppy woman keeps leaving messages - you need to call me back, and then YOU MUST call me back. She called again last night after 8 - withheld number (I pick those up as when Mr Looloo's mum calls from Spain it comes up as withheld) she asked to speak to Miss Loo I said that I wasn't available and could she kindly refrain from calling this number after 7pm and put anything that she wanted to speak to Miss Looloo about in writing - she was mumbling on about something as I hung up

Is it time to send the please stop phoning me letter?
http://forums.all-about-debt.co.uk/s...94&postcount=3

[Never-In-Doubt]

Re: LooLoo's UE Diary

Is it time to send the please stop phoning me letter?
http://forums.all-about-debt.co.uk/s...94&postcount=3

Yep send that

[LooLoo]

Re: LooLoo's UE Diary

Mint (RBS) – Credit Card

1) Credit Card
2) Start Date 4/8/2004
3) Approx Balance - £5,289
4) Last full payment – September 2009
5) Currently on arrangement plan - £56 – last payment 22nd December 2010.
6) Default issued 23rd December 2009.
7) Still with Mint. Interest has been frozen

4th January - CCA request sent with £1 cheque
18th January - SAR request sent with £10 cheque
20th January - letter received from Mint enclosing my letter saying they are unable to comply with my CCA request as I never enclosed my £1 payment
26th January - RESENT CCA request with postal order STAPLED to the letter!
31st January - Letter received from Mint enclosing my £10 cheque saying they were unable to complete my request as my letter was unsigned
2nd February - Letter sent to Mint - requesting info again and poiting out letter does not need to be signed as per Niddy's instruction
17th February - Letter received from Mint saying they are dissappointed not to have recevied my payment - also had about 3 or 4 phone calls - not been picked up!
21st February - CCA received Niddy says
22nd - going to blag - missing prescribed terms letter sent
11th March - letter sent saying they have complied and they see no reason to enter in to any further correspondence (letter was dated 25th Feb!

Hi letter received today - which I think is standard and you have probably seen before saying they have complied and the debt remains due and payable. Guess I just ignore this. I've up loaded it to my document thread.

Thanks.

[Never-In-Doubt]

Re: LooLoo's UE Diary

Yep just ignore.

[LooLoo]

Re: LooLoo's UE Diary

Yep just ignore.

I'm a learning eh!

Have a great holiday!! and thanks for all your help so far with this very much appreciated!:niddy

[Never-In-Doubt]

Re: LooLoo's UE Diary

I'm a learning eh!

Have a great holiday!! and thanks for all your help so far with this very much appreciated!:niddy

Indeed you are - basically don't worry if anything happens over the next couple of weeks - it can wait, don't stress ok?

Chat later - off to pack :niddy

[LooLoo]

Re: LooLoo's UE Diary

Egg – Credit Card

1) Credit Card
2) Start Date 22/07/2003.
3) Approx Balance - £7,612
4) Last full payment – September 2009.
5) &nbspas on arrangement plan - £88 – last payment 25th November, 2010.
6) No default issued as of yet, on credit report shows as on AP
7) At the moment still with Egg. After a year on AP Egg refused to extend the AP any more, I explained that my situation had not changed in anyway.

18th December - CCA request sent with £1 cheque
21st December – letter received by Egg and signed for.
Various phone calls and a letter chasing for payment throughout December from Egg
30th December - Egg cashed £1 cheque
31st December - Received CCA from Egg Niddy says
5th January CCA query letter sent
Couple of phone calls in Jan - not answered - emails on my on line account telling me they MUST speak to me.
18th January SAR request sent with £10 cheque
18th January - phone call
18th January - letter received - scanned in and sent to Niddy
26th January - letter received - asking for times/dates and nature of calls to enable to help them find the details they need.
27th January - Letter sent as per Niddy's instruction
4th February - letter received asking for £1 fee for CCA....
12th February - SAR received
17th March - letter received from (wait for it) CCA on behalf of Egg saying if they don't contact them they WILL send a representative to my address
14th March - Telephone Harrassment letter sent
17th March - Door step vist letter sent to CCA

Sent CCA letter to say please do not visit me (as per template)

and also sent Egg the please stop ringing me letter although not taking a blind bit of notice as to date - although i have taken to unplugging the phone most of the time.

[LooLoo]

Re: LooLoo's UE Diary

Egg – Credit Card

1) Credit Card
2) Start Date 22/07/2003.
3) Approx Balance - £7,612
4) Last full payment – September 2009.
5) &nbspas on arrangement plan - £88 – last payment 25th November, 2010.
6) No default issued as of yet, on credit report shows as on AP
7) At the moment still with Egg. After a year on AP Egg refused to extend the AP any more, I explained that my situation had not changed in anyway.

18th December - CCA request sent with £1 cheque
21st December – letter received by Egg and signed for.
Various phone calls and a letter chasing for payment throughout December from Egg
30th December - Egg cashed £1 cheque
31st December - Received CCA from Egg Niddy says
5th January CCA query letter sent
Couple of phone calls in Jan - not answered - emails on my on line account telling me they MUST speak to me.
18th January SAR request sent with £10 cheque
18th January - phone call
18th January - letter received - scanned in and sent to Niddy
26th January - letter received - asking for times/dates and nature of calls to enable to help them find the details they need.
27th January - Letter sent as per Niddy's instruction
4th February - letter received asking for £1 fee for CCA....
12th February - SAR received
17th March - letter received from (wait for it) CCA on behalf of Egg saying if they don't contact them they WILL send a representative to my address
14th March - Telephone Harrassment letter sent
17th March - Door step vist letter sent to CCA
24th March - two letters recevied one from EGG dasted 21st March saying think you for your complaint. the other from Egg masquarading as CCA dated 18th March saying they are doing checks on my re property ownership validation of empolyment details blah.. and i should contact them immediately othterwise they MAY pass on to their solicitors

Updated with the last two letters from Egg - assume this is just an ignore

[LooLoo]

Re: LooLoo's UE Diary

Co-operative Bank – Credit Card

1) Credit Card
2) Start Date 29/11/20001.
3) Approx Balance - £6,208
4) Last full payment – September 2009
5) On Arrangement Plan - £75 – paid up to date last payment 23rd December, 2010.
6) No default, credit report just shows on AP
7) Still with Co-operative Bank. This credit card was originally taken out with Northern Rock as part of our Together Mortgage, can’t remember when Co-op took the card over – maybe 3/4 years ago?? At the moment my current bank account is with the Co-op. Being charged some interest and card charge.

18th January - SAR request sent with £10 cheque
24th March - letter received defaulting me dated 18th March. Never received SAR - my bank should all be changed over this month - just want to be sure my wages go to my new account then I will be sending out my CCA request.

Just another up date - again nothing doing here until i send my CCA request

[jen_br]

Re: LooLoo's UE Diary

Looking good loo!

[LooLoo]

Re: LooLoo's UE Diary

Mint (RBS) – Credit Card

1) Credit Card
2) Start Date 4/8/2004
3) Approx Balance - £5,289
4) Last full payment – September 2009
5) Currently on arrangement plan - £56 – last payment 22nd December 2010.
6) Default issued 23rd December 2009.
7) Still with Mint. Interest has been frozen

4th January - CCA request sent with £1 cheque
18th January - SAR request sent with £10 cheque
20th January - letter received from Mint enclosing my letter saying they are unable to comply with my CCA request as I never enclosed my £1 payment
26th January - RESENT CCA request with postal order STAPLED to the letter!
31st January - Letter received from Mint enclosing my £10 cheque saying they were unable to complete my request as my letter was unsigned
2nd February - Letter sent to Mint - requesting info again and poiting out letter does not need to be signed as per Niddy's instruction
17th February - Letter received from Mint saying they are dissappointed not to have recevied my payment - also had about 3 or 4 phone calls - not been picked up!
21st February - CCA received Niddy says
22nd - going to blag - missing prescribed terms letter sent
11th March - letter sent saying they have complied and they see no reason to enter in to any further correspondence (letter was dated 25th Feb!
28th March - Payment demand sent by Triton for the full amount

Just an update with letter from Triton demanding full payment - apparently I can send a cheque! how nice. Assume I am ignoring this at the moment?

Also I never received my SAR from Mint after the second time I sent it back to them - they have not cashed the cheque

[Never-In-Doubt]

Re: LooLoo's UE Diary

Sent CCA letter to say please do not visit me (as per template)

and also sent Egg the please stop ringing me letter although not taking a blind bit of notice as to date - although i have taken to unplugging the phone most of the time.

Hmm, if they keep ringing then move on to the next template in the range.....

[Never-In-Doubt]

Re: LooLoo's UE Diary

Updated with the last two letters from Egg - assume this is just an ignore

Have you had a reply to your CCA Request as of yet?

[Never-In-Doubt]

Re: LooLoo's UE Diary

Just another up date - again nothing doing here until i send my CCA request

Yep, lets wait and see....

You say they defaulted you, what date did you receive it - write it on the envlope as we may use that later

[Never-In-Doubt]

Re: LooLoo's UE Diary

Just an update with letter from Triton demanding full payment - apparently I can send a cheque! how nice. Assume I am ignoring this at the moment?

Also I never received my SAR from Mint after the second time I sent it back to them - they have not cashed the cheque

Have Mint had +40 days? Please confirm the length of time since the SAR went off originally?

As for Try-it-On, send this to hold them off for the moment - I know it's linked to a CCA Request, but it will buy you time until you complain to the ICO in which case when try-it-on write back again, we'll have an update for them...: ---> Enough is Enough Template