Happy Bunny UE diary

[happy_bunny]

Re: Happy Bunny UE diary

Wait until you hear from Past Due Credit then send a one liner with a copy of the letter admitting having no cca.

thanks, was going to ask what the best thing to send was, once they wrote to me.

[Pixie]

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.

Wait until you hear from Past Due Credit then send a one liner with a copy of the letter admitting having no cca.

[Oct Revolution]

Re: Happy Bunny UE diary

My Moorgate loan, formerly Egg:



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!

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

[happy_bunny]

Re: Happy Bunny UE diary

Couple of account updates in previous posts.

Have a good weekend folks

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.

[happy_bunny]

Re: Happy Bunny UE diary

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
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

Oh, forgot to add. The Cahoot CC default lists the current balance as 5k or so, but the default amount for 500k, approx. I guess someone got the decimal point in the wrong place

[happy_bunny]

Re: Happy Bunny UE diary

Hi all,

Updates on my Cahoot card and Egg loan above.

Have a good Sunday folks!

HB

[happy_bunny]

Re: Happy Bunny UE diary

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
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

[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.
Oct 2013 Received a default on my credit file dated May 13.
looking back through my paperwork, I did receive a DN in April. Still not convinced its correctly formed, but at this point not fussed as I was hoping for this to get recorded soon.

[happy_bunny]

Re: Happy Bunny UE diary

Hi folks.

Any ideas on this:
http://forums.all-about-debt.co.uk/s...oot-Santander)

Thanks

HB

[vint1954]

Re: Happy Bunny UE diary

Did you send a missing PT's letter ?

[SXGuy]

Re: Happy Bunny UE diary

They can default within 6 months but remember if it's a current account that is extended to whatever they feel and the FOS tend to side with them too

No mate, is two credit cards. Had a massive battle with them to send anything after the signature fiasco, and then finally admitted UE, no docs at all. But have never been defaulted and still receive min payment statements.

[happy_bunny]

Re: Happy Bunny UE diary

Update below:

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.

Oct 2013 Received a letter from Debt Management & Recovery Services, Sheffield. We have been instructed by Santander to obtain immediate settlement of the above debt...blah
Presumably internal collections as its got Santander marked all over it and its signed by the same bloke who's been signing the other letters relating to the account from Satander...

[Never-In-Doubt]

Re: Happy Bunny UE diary

Hi,

I'm a bit confused by this approach.

What if they never issue a default? It will stay on your credit file forever, in my case with late payment markers.

Thanks

HB

then after 6 years or so i will start a complaint.

Exactly, that's the way to go