Happy Bunny UE diary

[happy_bunny]

Re: Happy Bunny UE diary

Hi all,

Quick update. I updated my post for MBNA account.

Just received an email that my statement is ready to view. Not paid since Oct 12, defaulted in Feb, not heard a sausage from them since the DN.

When I look online, it says can't display account due to its status, but that the balance is £0 and due payment is £0.

How long before they sell it do you think? they just adding some more interest before they sell it?

Thanks

HB

[vint1954]

Re: Happy Bunny UE diary

Yep, leave this one alone and don't chase them. Wait until they contact you again.

Just keep an eye out to make sure they have not credited your £1 as a payment against the account. They wont get away with it, but just keep an eye out.

[SA Gold]

Re: Happy Bunny UE diary

Should I be asking Capquest at this point why they have not responded to my CCA request? They cashed my £1 cheque.

Should I also decline the F&F or just ignore them on that subject?

Thanks

HB

General rule of thumb mate is, CCA request and leave it be. No need to ask why they haven't replied but *if* they do get sh1tty with you then there is a template reminding the creditor that they have failed to supply you with it.

Edit: As for F&F - no contract no money! :niddy

[happy_bunny]

Re: Happy Bunny UE diary

Should I be asking Capquest at this point why they have not responded to my CCA request? They cashed my £1 cheque.

Should I also decline the F&F or just ignore them on that subject?

Thanks

HB

[Deepie]

Re: Happy Bunny UE diary

Thanks for the kick up the backside.

Will not be paying Crapquest.

Now do I just ignore them or tell them as they rejected the offer the first time just tell them I've spent the money on something useful?

I guess the key is not admitting anything as only early in the statute barred timeline.

[happy_bunny]

Re: Happy Bunny UE diary

Thanks for the kick up the backside.

Will not be paying Crapquest.

Now do I just ignore them or tell them as they rejected the offer the first time just tell them I've spent the money on something useful?

I guess the key is not admitting anything as only early in the statute barred timeline.

[happy_bunny]

Re: Happy Bunny UE diary - Shop Direct

Well, I'll go on record as saying that I think you are completely stark raving mad. They haven't got the agreement, for God's sake. If this was me I'd actually be wanting the scum to take me to court so I could flame their backside and set a precedent for all of the other catalogue fiascos.

One thing you probably haven't considered - knowing Crapquest and their moral standards, it wouldn't surprise me one bit if they took your "F&F", and then continued harassing you for the rest of the balance.

The letter is fairly tight, but I get your point.

Those two statements would appear to contradict themselves.

Suppose so. They don't have my phone number, well they do, my PAYG that I turn on every now and then, so its all relative as I find letters easy to ignore.

Thanks for the response.

HB

[ScabHunter]

Re: Happy Bunny UE diary - Shop Direct

Guess you think I'm mad?

Well, I'll go on record as saying that I think you are completely stark raving mad. They haven't got the agreement, for God's sake. If this was me I'd actually be wanting the scum to take me to court so I could flame their backside and set a precedent for all of the other catalogue fiascos.

One thing you probably haven't considered - knowing Crapquest and their moral standards, it wouldn't surprise me one bit if they took your "F&F", and then continued harassing you for the rest of the balance.

Feb 2013 Received many threat o grams

Crapquest not been too bad with me.

Those two statements would appear to contradict themselves.

SH

[happy_bunny]

Re: Happy Bunny UE diary

I know you are right. Changed my mind a few times already as whether or not to pay this

[Deepie]

Re: Happy Bunny UE diary - Shop Direct

Erm...

-I spent the money and I have some morals....
-Shop Direct and Crapquest not been too bad with me. Won't talk about NDR mind...
-It gets rid of the account for a decent figure.

Guess you think I'm mad?

No I don't think you're mad....

Why not save that money ...

You might need it if the others get heavy.....

[happy_bunny]

Re: Happy Bunny UE diary - Shop Direct

Why ?

Erm...

-I spent the money and I have some morals....
-Shop Direct and Crapquest not been too bad with me. Won't talk about NDR mind...
-It gets rid of the account for a decent figure.

Guess you think I'm mad?

[happy_bunny]

Re: Happy Bunny UE diary - Egg Loan

My Moorgate loan, formerly Egg:

• Type of account Fixed Loan
  
  
• Date commenced 2005
  
  
• Approx balance 2K
  
  
• Date last paid May 2013
  
  
• Are you on arrangement or not paying Arrangement
  
  
• Status defaulted Mid 2011
  
  
• Account owner Moorgate Loans/Arden

sent
received
other information


Early 2011 Sent CCA request
Early2011 Received CCA with signatures on it.
May 2011 Paying reduced amount
Aug 2011 Received Default Notice
2011-2012 Various payments made, no letters for ages as pay them something decent every month
April 2013 Niddy confirmed Enforceable. Still paying

[happy_bunny]

Re: Happy Bunny UE diary - Cahoot Card

My Cahoot credit Catd:

• 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.

[happy_bunny]

Re: Happy Bunny UE diary - Marbles card

My Marbles (or whoever owns it now) Card account:

• Type of account Credit Card
  
  
• Date commenced Early 2000s
  
  
• Approx balance 4K
  
  
• Date last paid Oct 2012
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Should be defaulted but isn't
  
  
• Account owner Marbles

sent
received
other information


Early 2011 Sent CCA request
Early 2011 Received zip.
Early 2011 Sent complaint to find the CCA
Early 2011 no CCA and letter saying don't have it, sorry etc for not responding
Early 2011 Paying usual amount.
Oct 2012 Stopped paying as UE
Jan 2013 Received Default Notice.
Mar 2013 Received Default will be logged with CRA letter
May 2013 Sent complaint as still showing as in arrears with CRAs and I want to get the default over and done with. Must be planning to sell it on surely?
June 2013 Received response to complaint. Please ring to discuss. I think not!
June 2013 Sent response about complaint saying respond in writing or its going to FOS after 8 weeks.
July 2013 Received response to complaint at last. They are going to correct default date. Result! if you can class a default as a result!

[happy_bunny]

Re: Happy Bunny UE diary - MBNA Card

My MBNA (formerly Alliance & Leicester) Card account:

• Type of account Credit Card
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid Oct 2012
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Defaulted Early 2013.
  
  
• Account owner MBNA

sent
received
other information


Early 2011 Sent CCA request
Early 2011 Received no CCA and letter saying don't have it, won't take you to court etc
Early 2011 Paying usual amount.
Oct 2012 Stopped paying as balance not being reduced cos of interest
Feb 2013 Received Default Notice.
Feb 2013 Sent another CCA request
Feb 2013 Sent complaint at lack of response to CCA request
March 2013 Received no CCA and letter saying its not turned up behind the sofa and they still can't take me to court etc
May 2013 Not had a letter for a couple of months. Presumably selling it on?
June 2013 Received email saying my statement is ready. WTF, it was defaulted in Feb and not paid since last October. Must be looking to sell it soon?