Spud's UE Diary

[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 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

[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

[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.

[helmsman]

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

Hi Spud,
After 2 years Lloyds finally sent a good recon to me(bastards) but hey ho Ive sent off acc sold so still intend to blag unless they get heavy. Hope you have better luck.

[Spud]

Re: Spud's UE Diary

Thanks all

Will get the CCA's ect off to Niddy today

Will update you all when I know more

[SA Gold]

Re: Spud's UE Diary

Hi Spud.
Just wanted to say good luck on your journey mate. This forum really is the real deal for people like us.

[Spud]

Re: Spud's UE Diary

Thanks both

I will take a look at your UE diary and get back to you when I hear anything form Niddy.

Fingers crossed

[IF]

Re: Spud's UE Diary

Thanks both

I will take a look at your UE diary and get back to you when I hear anything form Niddy.

Fingers crossed

I have my fingers crossed for you too Spud

[nanna58]

Re: Spud's UE Diary

good luck spud , we all know how you feel at the moment but honest it does get easier xxx

[Never-In-Doubt]

Re: Spud's UE Diary

Pretty much clean sweep!!

All 6 appear UE but 2 can be remedied (supplying terms) whilst 2 have bad DN's.

So good result(s) right now

[Never-In-Doubt]

Re: Spud's UE Diary

Thanks all

Will get the CCA's ect off to Niddy today

Will update you all when I know more

Just spam my inbox mate. It's fine

[Spud]

Re: Spud's UE Diary

Niddy

Thankyou... I did'nt think that would be the case as some of the CCA's/Terms looked pretty good ( Based upon my Research) - Unless they are the ones let down by the Default notices...

I do appreciate all your help. More than a simple spud like me can say with words!

I dont feel good that I've just sent you 6 odd CCA's - I will leave you alone for a bit now.... Honest

Could I ask...As and when you get chance - and there is no hurry ( I've taken enough of your time)

Could you give the brief details where each fails and which ones can be remedied. I have been researching the Default Notices and will be looking more closely at each of these in the coming weeks.

I would like to get a clear understanding of each and I know others here are watching this post with regard to their own accounts ect. Once I can see where each falls down - I can then ensure that I have a good Grasp of the concept and hopefully help others.

Just think it could be helpful for all.

And yes... While I am there... I'll have jam and cream on it

:niddy = True Legend

[Never-In-Doubt]

Re: Spud's UE Diary

I sent 6 email replies explaining each main fault.

[Spud]

Re: Spud's UE Diary

Ahmmm

Sorry

Not got that far yet