Adinuff's UE Diary

[Adinuff]

Re: Adinuff's UE Diary

It means they can't enforce this agreement -

Can you email me their letter please mate.

Hi Niddy,
Yeah ofc will send now to you. Intelligent finance did send me a copy of the orig agreement. Maybe they have lost original who knows. Will send you a copy of agreement as well.

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

No no mate. It's fine. No agreement. Just the letter please. Don't wanna confuse things. Long week for me so far

[Never-In-Doubt]

Re: Adinuff's UE Diary

See confused already. The PDF. Did Cabot send the agreement you attached or not?

As I say keep it simple. The agreement is irrelevant if Cabot never sent it.

[Never-In-Doubt]

Re: Adinuff's UE Diary

Ok read the paragraph under header "Your Account" within the Cabot letter. They confirm it is UE. So just sit back & smile at that one. It'll remain UE until they send an agreement.

Well done

[Adinuff]

Re: Adinuff's UE Diary

Ok read the paragraph under header "Your Account" within the Cabot letter. They confirm it is UE. So just sit back & smile at that one. It'll remain UE until they send an agreement.

Well done

Hi Niddy,
Sorry for confusing again :-) Intel Finance sent the copy of agreement few months back. Why do you think cabot can't get their hands on agreement? Intel finance not given them it or they lost the original? happy anyhow if it stays this way

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

Hi Guys,
Does this look like a threatogram. little concerned at which external sources they use to gain data on earnings. Your help always appreciated.

Adinuff

[Deepie]

Re: Adinuff's UE Diary

Hi Guys,
Does this look like a threatogram. little concerned at which external sources they use to gain data on earnings. Your help always appreciated.

Adinuff

Does what look like a Threat o gram ?

[SaltnVinegar]

Re: Adinuff's UE Diary

Hi Guys,
Does this look like a threatogram. little concerned at which external sources they use to gain data on earnings. Your help always appreciated.

Wot no attachment?

[Adinuff]

Re: Adinuff's UE Diary

Halifax CC ( Wife)

Balance Approx - £8645

Default Date - Approx 2006

Default Amount - £10400

DMP (Payplan) £25.09 monthly Stopped Paying

Sold to London Scottish Finance Ltd


21/01/13- SAR and CCA request sent

24/01/13 -Section 77/78 request returned, signature required.


04/02/13 - SAR request returned again. Will let me collect from local branch


10/02/13 - letter sent comfirming address of my local branch to collect SAR

19/02/13 - SAR request - letter stating they are in process of requesting information. Will send information by 26 March 2013

05/03/13 - Just realised wrong account typed in original letter. Will Send in another asap for CCA and SAR request

07/03/13 - Reduced payment £1

11/03/13 - Received a reconstituted CCA from HBOS to comply with S78. Will send me original later on. Will pass onto Niddy .

27/03/13 - Recieved Original CCA from Intell finance sent to Niddy for examination

13/05/13 - Sent off missing P&T's

17/05/13 - Letter from RobbingScum - Withg effect from 8th May your account will no longer be managed by Horwich Farrelly. All future correspondence sent to you will now be directly from Robinson Way Ltd

22/05/13 - Letter sent from robinson scum. "We agreed and affordable payment with your money advisor, but have not received the agreed repayments.

10/07/13 - As We have been unable to contact you via any other way, we may now arrange for a doorstep Collection agent to call at your address to agree an affordable payment plan for you. to avoid the matter being esclated to next stage of collection please contact our office.

11/9/13 - Letter received from Halifax. debt has been passed onto Apex Credit MGT.

11/9/13 - Letter received from Apex Credit MGT. Letter instructing me that they have taken over.

25/09/13 - Letter received from Apex Mgt. We are disappointed that despite our efforts to contact you regarding your debt with HBOS Group. We now believe you are simply avoiding paying your debt and must therefore act in the best interests of our client. We utilise external data sources to profile our accounts carefully and believe that you have the ability to make payments on this debt. Consequently your account will be passed to our internal litigation team in order to consider best course of action. this may include legal action to obtain a county court judgement which we may then seek to enforce by way of charging order or attachment to earnings application.

Hi Guys,
Does this look like a threatogram. little concerned at which external sources they use to gain data on earnings. Your help always appreciated.

Adinuff

[SaltnVinegar]

Re: Adinuff's UE Diary

Hi Guys,
Does this look like a threatogram. little concerned at which external sources they use to gain data on earnings. Your help always appreciated.

Its legalese - they do not say that they use external data sources to get information on your earnings, rather that they use these sources to 'profile their accounts'.

External data sources =

1) Credit reference agencies - doesn't really tell them much other than maybe the balance of your current account and as this is a snapshot cannot be considered a reliable assessment of your earnings (or shouldn't)
2) Mystic Meg
3) Sticking finger out of window on 5th floor of the office into the wind
4) Telepathy
5) Checking if cows are lying down in the nearby farm (another good source of bovine excrement other than their letters)
6) Position of the moon in the equinox of Sagittarius
7) The mating patterns of the local flea population

[The Tech Clerk]

Re: Adinuff's UE Diary

Oh! I say that covers a lot of ground: - they might look into the Pig Pen and under the dung heap?

External data sources =

1) Credit reference agencies - doesn't really tell them much other than maybe the balance of your current account and as this is a snapshot cannot be considered a reliable assessment of your earnings (or shouldn't)
2) Mystic Meg
3) Sticking finger out of window on 5th floor of the office into the wind
4) Telepathy
5) Checking if cows are lying down in the nearby farm (another good source of bovine excrement other than their letters)
6) Position of the moon in the equinox of Sagittarius
7) The mating patterns of the local flea population

[SaltnVinegar]

Re: Adinuff's UE Diary

Oh! I say that covers a lot of ground: - they might look into the Pig Pen and under the dung heap?

More excrement to add to their collection.......

[Adinuff]

Re: Adinuff's UE Diary

Its legalese - they do not say that they use external data sources to get information on your earnings, rather that they use these sources to 'profile their accounts'.

External data sources =

1) Credit reference agencies - doesn't really tell them much other than maybe the balance of your current account and as this is a snapshot cannot be considered a reliable assessment of your earnings (or shouldn't)
2) Mystic Meg
3) Sticking finger out of window on 5th floor of the office into the wind
4) Telepathy
5) Checking if cows are lying down in the nearby farm (another good source of bovine excrement other than their letters)
6) Position of the moon in the equinox of Sagittarius
7) The mating patterns of the local flea population

LOLOLOLOLOLOL

thats all i can do...made my day


cheers guys

[vint1954]

Re: Adinuff's UE Diary

Just a one liner referring them to your missing PT's letter 13th May to robway

[Adinuff]

Re: Adinuff's UE Diary

HBOS CC (mine)

Balance Approx - £14175

Default Date - Approx 2006

Default Amount - £17000

DMP (Payplan) - £41.13 stopped Paying

Sold - London Scottish Finance Ltd

21/01/13- SAR and CCA request sent

24/01/13 -Section 77/78 request returned, signature required.

04/0/13 - Reconstitued version of the executed agreeement sent. Will send original signed application to comply with 60/61 request

04/02/13 - SAR request returned again. Will let me collect from local branch


10/02/13 - letter sent comfirming address of my local branch to collect SAR

18/02/13 - Copy of original signed application sent. Letter stating no need to send original.

19/02/13 - SAR request - letter stating they are in process of requesting information. Will send information by 26 March 2013

02/03/13 - recieved correspondence from niddy saying CCA are unforceable AT the moment. Need to send a letter asking for prescribed T&C's

05/03/13 - Sent off letter stating missing Pres T&C's

07/01/13 - Stopped payment

17/05/13 - Letter from RobbingScum - With effect from 8th May your account will no longer be managed by Horwich Farrelly. All future correspondence sent to you will now be directly from Robinson Way Ltd

22/05/13 - Letter sent from robinson scum. "We agreed and affordable payment with your money advisor, but have not received the agreed repayments.

11/09/13 - Letter sent from Halifax. As we haven't been able to agree a suitable repayment plan we have transferred your halifax - card to a DCA called Apex Credit MGT.

11/09/13 - Letter from apex Credit MGT. Apex credit mgt has received instructions from our client, Lloyds banking group regarding your account. Our role is to act as intermediary between you and them to ensure that the debt is paid.. We have an ethical approach to collection of debt. Gonna Ignore.

25/09/13 - Letter received from Apex Mgt. We are disappointed that despite our efforts to contact you regarding your debt with HBOS Group. We now believe you are simply avoiding paying your debt and must therefore act in the best interests of our client. We utilise external data sources to profile our accounts carefully and believe that you have the ability to make payments on this debt. Consequently your account will be passed to our internal litigation team in order to consider best course of action. this may include legal action to obtain a county court judgement which we may then seek to enforce by way of charging order or attachment to earnings application.

08/10/13 - 08/10/13 - Letter from HL Solicitors. We have been instructed by Apex Credit Management. Unless our client recieves payment in full or a valid reason for non payment of the account within 7 days, then court proceedigs may be taken against you without further notice.

Hi Guys,
I've heard HL Solicitors are a bunch of threatogram merchants? Anyone know of these lot. Should i send of missing P & T's letter?

Adinuff