Spud's UE Diary

[DoTheyMeanMe]

Re: Spud's UE Diary

Hi Spud

I am watching your thread with interest.

I am dealing with both Tesco and Nat West on credit card agreements. The Nat West one is from 1998 and the Tesco one from 2002. I have had a reconstituted CCA from Nat West and a copy of a microfiche application form from Tesco.

At some point it may be worth comparing notes, particularly on the Nat West one, to see if they are telling us both the same lies. I have a fair bit of info on the Tesco one which was kept from when it was taken out.

It's in my UE thread.

Good luck mate.

[Never-In-Doubt]

Re: Spud's UE Diary

Been making token payments to the Lloyds Account £1.00 per month

They insist on sending me letters that threaten that they "May/Could/ Dream about doing this and that" They never do... But I'm sure they will one day

CCA reply was initially total recon with dodgy details. Then they found a copy of the application form with some terms that bear resemblance to the application. Could be good this one

CCA to be sent to Niddy for Checking over next few days

Let me take a mooch and we'll soon see won't we..... Just send over whatever they've sent you plus the cover letter as that tells us whether it's an original, recon or scan of archive etc so it helps us determine exactly what they have sent and rely on.

You're making token payments so they'll struggle to do that much - stick to it for now.

Lloyds are pretty bad so you'll most likely be fine

[Spud]

Re: Spud's UE Diary

Been making token payments to the Lloyds Account £1.00 per month

They insist on sending me letters that threaten that they "May/Could/ Dream about doing this and that" They never do... But I'm sure they will one day

CCA reply was initially total recon with dodgy details. Then they found a copy of the application form with some terms that bear resemblance to the application. Could be good this one

CCA to be sent to Niddy for Checking over next few days

[Spud]

Re: Spud's UE Diary

Lloyds Tsb Credit Card

Start: Nov 1997
Balance: £12000
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted, Internal type collectors merrygo-round

2012

Jan 20th
Change in circumstances letter sent – token Payments
Jan 31st
Arrears letter received
Feb 29th
Arrears letter received
March 19th
Confirmation of circumstances letter received
March 21st
CCA request letter sent
March 23rd
Default Notice issued – Not enough time to rectify
March 28th
CCA reply received – Total recon with wrong address for period ect
April 2nd
Missing prescribed terms letter sent
April 23rd
MHA Collections – Cannot accept your token payments ect
April 25th
SCM Solicitors – Pay within 14 days or Court proceedings Threat ‘O’ Gram
May 18th
Formal Complaint – Harassment by Telephone
May 29th
SCM Solicitors – Pay arrears or court Threat ‘o’ Gram
May 30th
Formal complaint Acknowledgement letter
June 19th
MHA Collections – Reduced payment offer - £309 P.C.M – Yeah right!
June 27th
MHA Collections Income/Expenditure request – Cannot accept token payments
July 5th
Copy of application form received with some terms – Looks pretty good
July 27th
BLS Collections – Introduction & threat of home visit letter
August 17th
BLS – Contact us – possibility of repaying on reduced payments
August 28th
BLS – Essential that I phone BLS today….. I did’nt !!!!
Sept 11th
BLS – A “personal visit may be required” letter
Sept 26th
BLS – Contact us within 14 days or force us to commence legal action…
Oct 22nd
SCM Solicitors – Pay balance within 7 days to avoid court proceedings
Nov 23rd
SCM Solicitors – Cannot accept token payments letter


2013

Jan 8th
SCM Solicitors – Tried to contact me without success – Would I give them a call? letter
Feb 6th
CCA Emailed to Niddy - Niddy says

[Spud]

Re: Spud's UE Diary

Been making token payments to the Tesco Account £1.00 per month

Heard nothing from them since August 2012 - Not even a statement

CCA reply was copy of Application form and Funny modern looking terms that appear to be on a seperate form as they bear no resemblance to Application form format

CCA to be sent to Niddy for Checking over next few days

[Spud]

Re: Spud's UE Diary

Tesco Credit Card

Start: July 2000
Balance: £3500 Approx
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted. Terminated, Still with Tesco

2012

Jan 17th
Default sum notice received
Jan 20th
Change of Circumstances letter sent
Feb 1st
Arrears letter received
Feb 8th
Financial statement request - Sent reply
Feb 18th
Letter received detailing last two payments
Feb 28th
Default notice received
March 20th
Letter aknowledging my token payments
March 21st
CCA Request letter sent
April 5th
Token payment letter sent
April 16th
CCA reminder letter sent
April 17th
Letter received dertailing my last two payments
April 18th
Letter asking for signature ref CCA request - Declined
April 19th
Termination letter received
April 24th
Letter asking for my signature ref CCA request
May 2nd
Formal complaint - Not replying to my letters - Kept my £1 CCA fee ect
May 17th
Account in dispute letter sent
May 29th
CCA Reply Received - Application form & terms (missing date!)
May 30th
Account in despute letter sent - Cannot read terms sent ect
June 7th
Letter received - Cannot yet respond to formal complaint
June 14th
Another ( Same) copy of application form received
July 17th
Default sum notice received

2013

Feb 6th
CCA emailed to Niddy - Niddy says

[Spud]

Re: Spud's UE Diary

Been making token payments to the Amex Account £1.00 per month

Heard nothing from them since July 2012 - Not even a statement

CCA reply was copy of "60 Second Application form" and old terms that appear to be on a seperate form + New terms

CCA to be sent to Niddy for Checking over next few days

[Spud]

Re: Spud's UE Diary

American Express Credit Card

Start: Feb 2003
Balance: £845.40 ( July 2012 - No contact/Statements since)
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted. Terminated, With External DCA (Allied)

2012

Jan15th
Notice of default sums received
Jan20th
Change of Circumstances letter sent
Feb 15th
Notice of Default sums received
Feb 22nd
No correspondence received letter – Complaint ref. telephone harassment
March 3rd
Arrears notice letter
March 1st
Default notice received
March 7th
Formal complaint – Harassment by Telephone
March 17th
Notice of Cancellation received
March 18th
Overdue account letter from Newman ( Assigned whilst in dispute )
March 29th
Newman threat’o’gram – Notice of Legal action – Blah Blah…
March 30th
Letter – Still investigating your complaint
April 5th
Newman – Threat of field agent visit……..
April 12th
Newman – Notice of Further action Threat’o’gram
April 19th
Newman – Attention – Cannot accept your token payments letter
April 19th
CCA request sent
April 28th
Formal complaint still under investigation letter
April 30th
Newman – Legal action Threat ‘o’ Gram – A bailiff will be coming to seize my goods
May 10th
CCA Reply received – Copy of application form
May 12th
Reply to formal complaint – Skirting around the issues
June 28th
Notice of referral to external Collections Agency (Allied Credit)
July 9th
Allied International Credit introduction letter received

2013

Feb 6th
CCA emailed to Niddy - Niddy says

[Spent2much]

Re: Spud's UE Diary

good luck spud , it gets easier as the months pass by and you feel more in control than ever before , its a great feeling being back in control

[Spud]

Re: Spud's UE Diary

Thanks Pezman, I appreciate the thought

I think many are or have been in the same boat. I'm behind this site 100%. The help it and the members has given me ( Even before I joined) has made a huge difference to me already.

When I was being hassled 20 times a day - Without this site quite literally I would'nt have had a clue where to start!

Hopefully - Given a bit of experience, I could then go on to help other people who are where I am now!

I'll certainly keep you posted

[pezman65]

Re: Spud's UE Diary

2 x CCA Replys for this account Sent to Niddy ( As long as it sent ok due to file size )

A fair bit of bedtime reading - Sorry Niddy


Fingers crossed with this, My first account in the list

Good luck with this Spud, but even if it is not it aint all over. You will get back control of your life, and things will get better. I had a few years back in 2010 when it felt too much to cope with, then I found Niddy and the crew. My life has changed and I can actually say I now have a life. You are not alone and as long as you want you got us. Keeping it all crossed - Pezman

[Spud]

Re: Spud's UE Diary

Thanks Ken

It would be nice for the first one at least

Start as you mean to go on and all that !!!

[ken100464]

Re: Spud's UE Diary

Fingers crossed for you.

[Spud]

Re: Spud's UE Diary

2 x CCA Replys for this account Sent to Niddy ( As long as it sent ok due to file size )

A fair bit of bedtime reading - Sorry Niddy


Fingers crossed with this, My first account in the list

[Spud]

Re: Spud's UE Diary

Still making the token payments on all the debts - That may soon change !!

My head has been a bit cloudy the last couple of years and to be honest - I've been suffering ( No sympathy needed or expected) from the effects of the last few years ( Not been good) Which has really affected me. Unfortunately - I'm the person people turn to to sort the issues out so no time for issues of my own!

I have to admit that I have took the feeling that as long as they hav'nt been hassling me, ( Some have but I soon sorted that) Whilst I've been sorting things out, I have been happy with that.

Now that I am feeling a bit stronger again in myself, Its time to get this sorted.

I have to look at the U/E route or realistically Bancruptcy

Obviously the U/E route is the preferred option but with Bancruptcy my only other realistic option ( Apart from a string of CCJ's) I've got nothing to lose really. I would like to get a definate solution in place.

Once I know the unenforcability status of each Debt - I can then make an informed decision. Completely get where you are coming from though - It could be viewed as a year lost!