Adinuff's UE Diary

[Adinuff]

Re: Adinuff's UE Diary

Hi Guys,
Just wanted to say THANKS. i know im early in the process of dealing with these cretins but having u by my side has put my mind at ease. Hope u keep on helping me to help myself.

TY TY TY

Adinuff

[Pixie]

Re: Adinuff's UE Diary

I'd wait

[Adinuff]

Re: Adinuff's UE Diary

MBNA CC (mine) CCJ

Balance Approx - £9440

Default Date - Approx 2006

Default Amount - £11300

DMP (Payplan) - £27.39 monthly

Sold to Link Financial

21/01/13 SAR and CCA request to Link (CCJ supersedes CCA..i know :-( )

24/01/13 recieved SAR back from Link

09/03/13 Ignore post dated 21/03/13 CCJ and CO not on this account. In the process drafting a CCA and SAR request.

Hi guys,
Just been checking up on this request. Royal mail track and trace says it was redirected but was signed for 18/03/13. Should i send a letter chasing it up. Or shall i wait a tad longer?

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

Yes. The only change I would make is at the start of line 6, where I would say “To date both RBS/Tesco and yourselves have....”



I would send a letter. Why are they emailing you anyway? Where did they get your address from? What you do about that depends on the address you have and how important it is to you. If it is a throwaway free account, you can always close it and open another one. If it is a domain email, you can download Mailwasher and bounce the emails so it appears as though the address is no longer active.

If it is a web based account you use for important things in real life, there is not much you can do other than block the address, or tell them that you will only communicate by letter.

SH

Hi SH
All drafted and sent thanks again for help

Adinuff

[ScabHunter]

Re: Adinuff's UE Diary

This email is from Moorcroft and the CCA request was made too RBS/Tesco. Does the template still apply to Moorcroft withstanding original request was made to RBS?

Yes. The only change I would make is at the start of line 6, where I would say “To date both RBS/Tesco and yourselves have....”

Also shall i send email or letter?f

I would send a letter. Why are they emailing you anyway? Where did they get your address from? What you do about that depends on the address you have and how important it is to you. If it is a throwaway free account, you can always close it and open another one. If it is a domain email, you can download Mailwasher and bounce the emails so it appears as though the address is no longer active.

If it is a web based account you use for important things in real life, there is not much you can do other than block the address, or tell them that you will only communicate by letter.

SH

[Adinuff]

Re: Adinuff's UE Diary

Hi Scabhunter,
This email is from Moorcroft and the CCA request was made too RBS/Tesco. Does the template still apply to Moorcroft withstanding original request was made to RBS. Also shall i send email or letter?


Thanks


Adinuff

[ScabHunter]

Re: Adinuff's UE Diary

So don't know how to respond.

Send this -

CCA Reminder - Unenforceability Threat - allaboutDEBT UK

You'll need to edit the last paragraph slightly, as payments have already ceased.

SH

[Adinuff]

Re: Adinuff's UE Diary

Natwest/RBS Tesco CC (Wife)

Balance Approx - £1370

Default date - Approx 2006

Default Amount - £1650

DMP (Payplan) - £.3.98

Sold - Moorcroft Group

21/01/13 Letter send CCA and SAR request

31/01/13 [COLOR="Red"]Letter recieved stating SAR requires a signature(DPA 1998)(Section 7[/COLOUR]

04/02/13 Replied back saying will pick all details at local branch of RBS/Natwest providing relevant ID.

11/02/13 Recieved letter back for CCA. it states signature does not match on the one we have on record

13/02/13 Sent letter back stating that CCA does not require a signature. Will pick up CCa from local branch if Identifcatin is a big issue. Also stated that the 12 days were up on the 08/02/13

25/02/13 Recieved letter back from Tesco asking for Signature again for CCA

07/03/13 Recieved letter regarding SAR from RBS. "Cannot provide information you are looking for because we cannot locate it :-)

07/01/13 - Stopped payment

09/03/13 - Drafted letter from templates regarding signature not required have 14 days to comply and send CCA. Otherwise further action will be taken and regulatory bodies informed.

11/03/13 - Recieved letter back from Tesco. they state they do not require signature part of CCA1974 but for there own "Tesco Bank Process"

08/04/13 - Received email from Moorcroft Group stating regular payments haven't been received and to contact them asap.

Morning Guys,
have received email from Moorcroft asking me to contact them. Still no sign of CCA from RBS/Tesco. Not received email from Moorcroft. So don't know how to respond. Any help much appreciated.

thanks

Adinuff

[vint1954]

Re: Adinuff's UE Diary

I would just send a one liner referring them to your missing PT's letter and enclose a copy.

[Adinuff]

Re: Adinuff's UE Diary

HBOS Card (mine)

Balance Approx - 7025.26

Default Date 05/2006

Default Amount £8500

DMP - Stopped Payment

Sold - Cabot (EOS Solutions)

21/01/13 - SAR & CCA request sent

04/02/13 - Letter recieved stating can pickup SAR from local branch providing identification

18/02/13 - Reconstituted copy of agreement sent


21/02/13 - original CCA sent

02/03/13 - Niddy says unenforceable at moment

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

07/03/13 - Stopped Payment

01/04/13 - Recieved letter off EOS Solutions stating i have broken the agreed payments. Therefore arrangment is in default. Failure to respond will result in collection activites resuming on your account.

Hi Guys recieved letter from EOS Soltions. Shall i sent Account in dispute template back? I also forgot to put this account in. now its on Page 5. Can i move this up the thread. So all my creditors are in one place?

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

HBOS Card (mine)

Balance Approx - 7025.26

Default Date 05/2006

Default Amount £8500

DMP - Stopped Payment

Sold - Cabot (EOS Solutions)

21/01/13 - SAR & CCA request sent

04/02/13 - Letter recieved stating can pickup SAR from local branch providing identification

18/02/13 - Reconstituted copy of agreement sent


21/02/13 - original CCA sent

02/03/13 - Niddy says unenforceable at moment

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

07/03/13 - Stopped Payment

01/04/13 - Recieved letter off EOS Solutions stating i have broken the agreed payments. Therefore arrangment is in default. Failure to respond will result in collection activites resuming on your account.

21/06/13 - Letter recieved from Cabottom "Thank you for your request for information under CCA 1974. Cabottom currently does not have thios information on file. We have requested this information from original lender" Gonna wait and see

[Adinuff]

Re: Adinuff's UE Diary

They should be asking you for more info to find it, not just giving up.

In any case, I would be complaining to everyone in sight - heading my letters to the lender 'FORMAL COMPLAINT', because they must respond to a formal complaint.

Hi DTMM,
Just remembered need to send a formal complaint. Any template in mind and who shall i send too?

Adinuff

[ScabHunter]

Re: Adinuff's UE Diary

I would just sit tight for the moment

chill

Agreed. Their own intransigence has placed them in default of your legitimate request, so just see what idiocy they come up with next.

SH

[MrsD]

Re: Adinuff's UE Diary

I would just sit tight for the moment

chill

[Adinuff]

Re: Adinuff's UE Diary

Be patient. There may be a few more replies needed yet.



Playing a game is exactly what they are doing, but it is a game which in the end they cannot win. If the deadlock endures for six years, they will lose due to the limitation clock expiring.



Good. That is essential, as each payment or written acknowledgment of the alleged debt restarts the limitation clock.



I wouldn't do that just yet. In the first place, you can only go to the Ombudsman once you have exhausted the complaints procedure of the organisation itself. Secondly, the Ombudsman is always reluctant to become involved in disputes surrounding legislation, as they deem this to be a matter for the courts. Finally, and most importantly, why should you need to do anything? They have put themselves into a situation of default due to their own intransigence, so why do anything which would help them escape from that?

SH

Hi Scabhunter,
Shall i just sit tight now or draft a letter? If so any suggestions are more than welcomed.

Thanks

adinuff