Happy Bunny UE diary

[ken100464]

Re: Happy Bunny UE diary

Up to you HB. Your discretion. Niddy did a thread and asked for a fiver a year to help.

Peanuts really. So suppose it revolves around how much you feel the advice is worth to you. But also where you are in your life. A fiver to someone down on their luck and skint is far more than someone who has disposable cash and is living the high life.

[Never-In-Doubt]

Re: Happy Bunny UE diary

Morning all,

Well, today seems like a good UE sorting day.

Just emailed my Cahoot card CCA to Niddy and looking at sending another one for an oldish Egg loan.

Thanks for the help everyone.

HB

Cahoot is UE like all others. Egg isn't. It's good from what I can tell.

[happy_bunny]

Re: Happy Bunny UE diary

So, based on Niddys comments on my other threads, should I post everything on here or one thread per account? As I expect a lot of letters shortly

[Pixie]

Re: Happy Bunny UE diary

Post everything in here but use a different post for each account...set out as shown here:

please provide the following information for each account:

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

Setting out your diary this way means you can update each debt as you receive or send letters (by using the 'edit' function)

It's easier for us to check out what's happening if you use one colour for letters received and another for letters sent.

Have a read of Niddy's guide ---> Unenforceability Diaries - Read me First! - allaboutFORUMS

[happy_bunny]

Re: Happy Bunny UE diary

Post everything in here but use a different post for each account...set out as shown here:

please provide the following information for each account:

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

Setting out your diary this way means you can update each debt as you receive or send letters (by using the 'edit' function)

It's easier for us to check out what's happening if you use one colour for letters received and another for letters sent.

Have a read of Niddy's guide ---> Unenforceability Diaries - Read me First! - allaboutFORUMS

Now I see Your fine example, I will reformat mine and colour it in with a complete history when I get chance.

Thanks

HB

[happy_bunny]

Re: Happy Bunny UE diary - Cahoot Flexible Loan

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.

[happy_bunny]

Re: Happy Bunny UE diary - Shop Direct

My shop Direct Group account:

• Type of account Catalogue
  
  
• Date commenced Early 199X
  
  
• Approx balance 3K
  
  
• Date last paid Feb 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Defaulted 2012
  
  
• Account owner Capquest

sent
received
other information


June 2011 Sent CCA request
June 2011 Received no CCA. Admitted to not having it. So UE
Feb 2012 various time wasting dealings with NDR
May 2012 Received Notice Of assignment to Capquest
June 2012 Set-up payment arrangement with Capquest
Feb 2013 Sent CCA request & F&F offer. Stopped paying
Feb 2013 Received many threat o grams.
May 2013 Received F&F offer to settle for less than 30%
May 2013 Pondering F&F offer
May 2013 Decided not to go with F&F from Crapquest. Was supposed yo have been sent by 03 June, not heard a thing. Must be up to something...

[Deepie]

Re: Happy Bunny UE diary - Shop Direct

My shop Direct Group account:

• Type of account Catalogue
  
  
• Date commenced Early 199X
  
  
• Approx balance 3K
  
  
• Date last paid Feb 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Defaulted 2012
  
  
• Account owner Capquest

sent
received
other information


June 2011 Sent CCA request
June 2011 Received no CCA. Admitted to not having it. So UE
Feb 2012 various time wasting dealings with NDR
May 2012 Received Notice Of assignment to Capquest
June 2012 Set-up payment arrangement with Capquest
Feb 2013 Sent CCA request & F&F offer. Stopped paying
Feb 2013 Received many threat o grams.
May 2013 Received F&F offer to settle for less than 30%
May 2013 Pondering F&F offer

Why ?

[happy_bunny]

Re: Happy Bunny UE diary - RBS Card

My RBS Credit Card account:

• Type of account Credit Card
  
  
• Date commenced Late 90s
  
  
• Approx balance 10K
  
  
• Date last paid Nov 2012
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Defaulted 2013.
  
  
• Account owner Triton/RBS

sent
received
other information


Aug 2011 Sent CCA request
Aug 2011 Received CCA. many errors. Niddy confirms UE.
Sept 2011 Paying 200 pm on arrangement.
Nov 2012 Stopped paying as balance not being reduced cos of interest
Nov 2012 Received account passed to Triton, interest frozen for good letter
Feb 2013 Received Default Notice.
March 2013 Various letter tennis with Triton, paid 100pm for 2 months then stopped.
May 2013 Received threat o gram from Greens solicitors (RBS group). Lots of mays and mights.
May 2013 Sent a CUPTR request to see what they had to say about copies of the original agreement.
May 2013 Response was basically thanks for your CCA request, you forgot your £1....WTF?
May 2013 Submitted written complaint basically telling them to stop taking the proverbial as its clearly not a CCA request...
June 2013 Response received saying nothing to add to the final response regarding the CCA request. Whatever! Obviously avoiding the question.

[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?

[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 - 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 - 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 - 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?

[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.....