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  • #61
    Re: Spud's UE Diary

    You've been waiting 18 months for them to try and prove the account is enforcable....

    In the meantime it remains in default and firmly

    You poor bugger

    Must be the worst feeling ever Good luck that it stays that way
    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.

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    • #62
      Re: Spud's UE Diary

      Originally posted by Spent2much View Post
      Stopping payments always feels like the wrong thing to do
      although ironically its the first thing creditors advise you to do (they certainly did with me) before they "can help you".
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      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.

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      • #63
        Re: Spud's UE Diary

        Originally posted by Spud View Post
        You've been waiting 18 months for them to try and prove the account is enforcable....

        In the meantime it remains in default and firmly

        You poor bugger

        Must be the worst feeling ever Good luck that it stays that way
        Really is a pisser.... Thanks for your good wishes Spud.

        Comment

        • #64
          Re: Spud's UE Diary

          Originally posted by missy View Post
          although ironically its the first thing creditors advise you to do (they certainly did with me) before they "can help you".
          This is very true. Almost all my creditors were unwilling to help or agree to discuss payment plans until I had either defaulted, or been issues with, a default notice. The focus was very much on cough up the arrears or we will trash your credit file.

          When I told them I didn't give a baboons testicle what they did to my credit file there was lots of spluttering!
          "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

          The consumer is that sleeping giant.!!


          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.

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          • #65
            Re: Spud's UE Diary

            Originally posted by SaltnVinegar View Post
            This is very true. Almost all my creditors were unwilling to help or agree to discuss payment plans until I had either defaulted, or been issues with, a default notice. The focus was very much on cough up the arrears or we will trash your credit file.

            When I told them I didn't give a baboons testicle what they did to my credit file there was lots of spluttering!
            Yep, agreed. Totally arse about face in my opinion! I distinctly remember some clown from Barclays saying "as long as you are paying it doesn't matter if you can't afford to turn your heating on, or take food to work. Nothing will, or can be done until you stop paying". Well Mr Barclays all went tits for you in the end didn't it because now you are having nothing!
            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


            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.

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            • #66
              Re: Spud's UE Diary

              Well Barclaycard have very kindly sent me the CCA reply for my First card.

              Looks to just be a few terms and Conditions and some sort of Dodgy re-con

              Fingers crossed its U/E

              Going to Spam Niddys inbox for a professional view - He's getting sick of me now
              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.

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              • #67
                Re: Spud's UE Diary

                Niddys just real busy but will sort your stuff our later today - promise
                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!

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                • #68
                  Re: Spud's UE Diary

                  Niddy

                  There's absolutly no hurry, They're not going anywhere fast so whenever you get time, You know that.

                  So So appreciated.... As always

                  P.S. Not even scanned it yet !!!
                  Last edited by Spud; 23 February 2013, 15:39.
                  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.

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                  • #69
                    Re: Spud's UE Diary

                    fingers crossed spud xx
                    if you do it today and you like it you can always do it again tomorrow

                    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.

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                    • #70
                      Re: Spud's UE Diary

                      Thankyou Nanna

                      I'm not as comfortable with the recon docs with my limited experience but this recon has the £12 charges listed for an account from around 2001 (ish) so Im hoping that with this and possible other errors.... Its another U/E

                      As you say... Fingers crossed
                      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.

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                      • #71
                        Re: Spud's UE Diary

                        Originally posted by nanna58 View Post
                        fingers crossed spud xx


                        You finally made it over here on change over Nanna!
                        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.

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                        • #72
                          Re: Spud's UE Diary

                          Good luck Spud.

                          Its expectation extreme waiting on the results aint it.

                          Comment

                          • #73
                            Re: Spud's UE Diary

                            Originally posted by Spud View Post
                            Thankyou Nanna

                            I'm not as comfortable with the recon docs with my limited experience but this recon has the £12 charges listed for an account from around 2001 (ish) so Im hoping that with this and possible other errors.... Its another U/E

                            As you say... Fingers crossed
                            Yes but the devils in the detail Spud. Its these sorts of mistakes that blow them out the water so let them keep making them
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!


                            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

                            • #74
                              Re: Spud's UE Diary

                              Well...


                              Just heard back from Niddy ( Who never seems to switch off !!)

                              This Barclaycard Recon is

                              Thankyou all for your continued support

                              Only 1 more to go - Another Barclaycard so fingers crossed

                              Cheers all - Especially Niddy
                              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.

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                              • #75
                                Re: Spud's UE Diary

                                Originally posted by ken100464 View Post
                                Good luck Spud.

                                Its expectation extreme waiting on the results aint it.
                                Originally posted by Spud View Post
                                Well...


                                Just heard back from Niddy ( Who never seems to switch off !!)

                                This Barclaycard Recon is

                                Thankyou all for your continued support

                                Only 1 more to go - Another Barclaycard so fingers crossed

                                Cheers all - Especially Niddy
                                One down and one left Spud, and I think you know how that's likely to turn out.

                                Fingers crossed for you as well.

                                Comment

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