Happy Bunny UE diary

[happy_bunny]

Re: Happy Bunny UE diary

• 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
Oct 2013 Now these guys are seriously beginning to piss me off. Still paying, but exchanged several letters recently. They want my I & E form (yeah right). Apparently its not to make me pay more, but to make sure I can afford the payments. WTF? Anyhow, they again just asked me to ring them, despite agreeing to only deal in writing. So, time to piss them off a bit:
1. Sent them a CCA request. The last one Egg responded to and was enforceable, but hopefully it had a nasty accident after they sold the loans to Morongate.
2. Sent them a formal written complaint about asking me to call. I said i would a few letters ago, as after 2 complaints previously, Egg and Morongate agreed to only deal in writing. They really don't mind having their complaint stats look bad do they
Oct 2013 Received CCA within the specified timeframe. Identical to the one confirmed Enforceable by Niddy
Looks like the CCAs were given to Moorgate by Egg. How disappointing!

Nov 2013 Received response to complaint. Nothing other than you don't have to ring us even if we ask you to. Refused to pay my expenses as I haven't provided proof of them.
Not fussed, only did it to annoy them.
1. Sent them missing prescribed terms letter, as advised on here. Blagging attempt and to give them something to do.
2. Sent them another formal complaint about not requiring I&E form to agree to repay a defaulted account and as they haven't been able to confirm I could afford to make the payments then they should refund all money paid since the account defaults.
Hopefully they will just get sick of me and sell the account.

Dec 2013 Received response to missing PT letter and second formal complaint. They will agree to a repayment without an I&E form to put the matter to rest.

Finally....someone with a brain must have realised they were missing out on getting cash...

[happy_bunny]

Re: Happy Bunny UE diary

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.
June 2013 Letter from AIC offering early settlement spread over a few months. Email or call for figure. Yeah right.....still gonna be several k. And it's still UE

December 2013 Received letter from Wescot asking me to pay money to their client. Just because it's covered in red, doesn't mean I will be paying it. I can read and it has nothing of interest...will fire off a I still haven't received a satisfactory response to my CCA request or an answer to my CPUTR letter from RBS, so do one.

[Never-In-Doubt]

Re: Happy Bunny UE diary

Nice. You're certainly coping very well

[happy_bunny]

Re: Happy Bunny UE diary

Morning all,

Quick updates on my Egg/Moorgate loan and Shop Direct crapquest in the previous 2 posts.

Nothing exciting.

HB

[happy_bunny]

Re: Happy Bunny UE diary

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...
Oct 2013 Received letter from Crapquest crying that they can't understand why I haven't resolved the account and they have sold it to Past Due credit.

Nov 2013 Received letter from Past Due about wanting some cash as Crapquest are a bit short...
Turns out they haven't sold it, Past Due are collecting for Crapquest. Not worth wasting a stamp at this stage, they ain't cheap!

[happy_bunny]

Re: Happy Bunny UE diary

• 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
Oct 2013 Now these guys are seriously beginning to piss me off. Still paying, but exchanged several letters recently. They want my I & E form (yeah right). Apparently its not to make me pay more, but to make sure I can afford the payments. WTF? Anyhow, they again just asked me to ring them, despite agreeing to only deal in writing. So, time to piss them off a bit:
1. Sent them a CCA request. The last one Egg responded to and was enforceable, but hopefully it had a nasty accident after they sold the loans to Morongate.
2. Sent them a formal written complaint about asking me to call. I said i would a few letters ago, as after 2 complaints previously, Egg and Morongate agreed to only deal in writing. They really don't mind having their complaint stats look bad do they
Oct 2013 Received CCA within the specified timeframe. Identical to the one confirmed Enforceable by Niddy
Looks like the CCAs were given to Moorgate by Egg. How disappointing!

Nov 2013 Received response to complaint. Nothing other than you don't have to ring us even if we ask you to. Refused to pay my expenses as I haven't provided proof of them.
Not fussed, only did it to annoy them.
1. Sent them missing prescribed terms letter, as advised on here. Blagging attempt and to give them something to do.

2. Sent them another formal complaint about not requiring I&E form to agree to repay a defaulted account and as they haven't been able to confirm I could afford to make the payments then they should refund all money paid since the account defaults.
Hopefully they will just get sick of me and sell the account.

[happy_bunny]

Re: Happy Bunny UE diary

Right ho, thanks. Job for the weekend

[MrsD]

Re: Happy Bunny UE diary

I wouldn't change anything other than fill in the blanks, Niddy's letters are quite carefully crafted

[happy_bunny]

Re: Happy Bunny UE diary

The one they sent me was signed by me.

Should i I just remove that bit?

thanks for the help

HB

[Deepie]

Re: Happy Bunny UE diary

If it were me I'd blag it and send this ---> CCA Query - Missing Prescribed Terms

well you could blag it for a while...................................

I blagged ours by sending http://www.all-about-debt.co.uk/old/...escribed-terms

Great minds MrsD...........

[MrsD]

Re: Happy Bunny UE diary

well you could blag it for a while...................................

I blagged ours by sending http://www.all-about-debt.co.uk/old/...escribed-terms

[Deepie]

Re: Happy Bunny UE diary

Any thoughts on what action to take from my previous post?

thanks

If it were me I'd blag it and send this ---> CCA Query - Missing Prescribed Terms

[happy_bunny]

Re: Happy Bunny UE diary

Any thoughts on what action to take from my previous post?

thanks

[happy_bunny]

Re: Happy Bunny UE diary

Hi folks,

Looking for a bit of advice on what to do next with my Moorgate/Arden (previously Egg) account.

Account details below.

Arden are just getting on my nerves by demanding I fill out the I and E form in order to asses that my payment is affordable and come to a formal arrangement that will last 12 months. They insist its not to try and make me pay more (yeah right...).

I have no intention of filling out this form, so options I see are:

1. just carry on paying the £100 per month and ignore them.
2. Tell them that yes, now you mention it, turns out I couldn't afford a £100 a month so here's £50.
3. Stop paying them anything until they agree to an arrangement of £100 PM.
4. Complain and insist they refund the last years payment as they shouldn't have been accepting them if they could not confirm it was affordable to me.
5. A combination of the above.

Any advice welcome


Thanks

HB

• 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
Oct 2013 Now these guys are seriously beginning to piss me off. Still paying, but exchanged several letters recently. They want my I & E form (yeah right). Apparently its not to make me pay more, but to make sure I can afford the payments. WTF? Anyhow, they again just asked me to ring them, despite agreeing to only deal in writing. So, time to piss them off a bit:
1. Sent them a CCA request. The last one Egg responded to and was enforceable, but hopefully it had a nasty accident after they sold the loans to Morongate.
2. Sent them a formal written complaint about asking me to call. I said i would a few letters ago, as after 2 complaints previously, Egg and Morongate agreed to only deal in writing. They really don't mind having their complaint stats look bad do they

Oct 2013 Received CCA within the specified timeframe. Identical to the one confirmed Enforceable by Niddy
Looks like the CCAs were given to Moorgate by Egg. How disappointing!

[happy_bunny]

Re: Happy Bunny UE diary

Hi Happy Bunny,

I've got an account with Egg which Niddy deemed enforceable back in October 2010 but have been blagging ever since and not paid anything to them. Its done the rounds a bit - Clarity - Fredricksons - Barclaycard - Arrow Global - Rossendales but nothing we couldn't sort out here and nothing too strong. I've not heard from anyone since Jan this year.

Here's a link to my diary if you wish to review:

http://forums.all-about-debt.co.uk/s...ll=1#post12804

I hope you are able to sort Egg/Moorgate out.

Good luck and best regards

thanks, I'll take a look