Happy Bunny UE diary

[happy_bunny]

Re: Happy Bunny UE diary

I think its a very good idea to carry on.

However bit of a glaring missing link here.

No final go to FOS letter so the complaint is still live with the creditors. FOS will hoof it back to you without one of these. So would have to wait on Santander anyhows to speak to you or waste 8 weeks. And we only have MBNA's word they did anything to help you. That would be a first a bank doing the decent thing.

If I may be so bold and you have a few days spare that you are happy to play with I would start a new thread in the PPI reclaim section and get DI30 involved.

This would leave your thread here for advice about UE free from the PPI claim. Stops confusing everyone.

Santy aint called Satans bank for no reason.

Thanks. Will do. I have a final response from MBNA, and an FOS leaflet. So will post as you suggest.

Thanks for the help.

HB

[ken100464]

Re: Happy Bunny UE diary

Oh and final thing I hadnt really factored in.

If going UE we tend to forget PPI until the day we reach SB.

Why try and claim something when actually your trying to feck em over on everything. But up to you what you wish to do. No down nose looking here.

Sure Niddy or the Mods can give you the technical reasons why just the above reason fits what I need to know.

[happy_bunny]

Re: Happy Bunny UE diary

On another note.

Emailed Niddy with OH RBS Card CCA shes asked me to get checked out.

[MrsD]

Re: Happy Bunny UE diary

Happy bunny who is "she"

[Never-In-Doubt]

Re: Happy Bunny UE diary

Happy bunny who is "she"

He means HIS other half (she) asked him to ask me to check it out

Will check by weekend. Not near laptop for few days now

[happy_bunny]

Re: Happy Bunny UE diary

Afternoon folks,

Quick update:
Updated my Marbles card post. They have agreed to default the account as per the date specified in the default notice after I threatened them with the FOS if they didn't. Best get it over with as its not the only one...

Not much on anything else.

Have noted that my Cahoot card is being reported to noddle as ?, so maybe they are planning to sell it.

Also noted that the cahoot/santander flexi loan is being reported a month late when actually its about 5. Will keep an eye on this as I would rather get defaulted on this and the cahoot card soon as they are the last ones.

HB

[SA Gold]

Re: Happy Bunny UE diary

Not near laptop for few days now

Not broken is it mate?!

[happy_bunny]

Re: Happy Bunny UE diary

Evening all,

Still a bit quiet, which is nice while it lasts

On another UE point.

I will be moving house next year and need to know what's the best way to deal with it from not admitting the debt in writing.

Obviously, I would prefer not to give these muppets my new address, and can get away with mail redirection for up to 2 years.

Thing is, if I change my address with them in writing, does that acknowledge the debt and reset the SB clock?

If I do it by phone, I have no evidence should they ignore and seek to get an undefended CCJ at my old address as they know I might not get the paperwork.

Ideas?

Thanks

HB

[SXGuy]

Re: Happy Bunny UE diary

giving an address does not acknowledge a debt, its merely keeping open dialog active.

[happy_bunny]

Re: Happy Bunny UE diary

Hi all,

Decided I'm no longer going to pay the interest on my OD as per this thread and would appreciate any advice you guys can offer:
http://forums.all-about-debt.co.uk/s...298#post336298

I am planning to write to them, tell them I can no longer afford to service the account and ask them to default it quoting various ICO default guidelines. This will get the default over with as well as stop any charges in a timely fashion, apart from interest. As you know, plenty of other recent defaults.

Thoughts?

I was thinking to see what they come back with as to the next step.

Thanks

HB

[happy_bunny]

Re: Happy Bunny UE diary

Update below. Now have a shiny default letter:



My Santander, formerly Cahoot Flexi Loan:

• Type of account Flexible Loan
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Received a default letter, so hopefully applied to my credit report soon Pushing it a bit, as no payment made since Feb. Will see what date they file the default for before deciding to complain and get it moved earlier.

[happy_bunny]

Re: Happy Bunny UE diary

Update on Cahoot C Card:

My Cahoot credit Card:

• Type of account Credit Card
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Cahoot/Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Still no default even though not paid a bean or written to them since End Feb 2013. Odd as they have previously issued a default notice after 2 missed payments. No interest has been added for the last 2 months, no idea what they are up to but nothing after the next statement date and I'll send them a complaint to issue the default.

[happy_bunny]

Re: Happy Bunny UE diary

Hi all,

Couple of updated accounts in previous 2 posts.

Not much else going on, no letters, nothing...

Thanks

HB

[vint1954]

Re: Happy Bunny UE diary

Update below. Now have a shiny default letter:



My Santander, formerly Cahoot Flexi Loan:

• Type of account Flexible Loan
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Received a default letter, so hopefully applied to my credit report soon Pushing it a bit, as no payment made since Feb. Will see what date they file the default for before deciding to complain and get it moved earlier.

Was this a Default Notice? It will state issued under s87 of cca 1974

[vint1954]

Re: Happy Bunny UE diary

Update on Cahoot C Card:

My Cahoot credit Card:

• Type of account Credit Card
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Cahoot/Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Still no default even though not paid a bean or written to them since End Feb 2013. Odd as they have previously issued a default notice after 2 missed payments. No interest has been added for the last 2 months, no idea what they are up to but nothing after the next statement date and I'll send them a complaint to issue the default.

You cant really issue a complaint that they have not defaulted you. Just need to wait for it to arrive