Sharon2345 Unenforceability Diaries

[Sharon2345]

EGG
Interest frozen, defaulted 2006/7.

Name: Egg

Type: loan

Date commenced: 2005

Approx balance: £14,018.07

Date last paid: 1st May 2013

Arrangement: not paying now previously token payments via dmp
Status: defaulted 2006/2007

Account owner: Arrow Global (feb 2013) previously Britannica SAR Arrow

4/2013 - CCA request sent
5/2013 - CCA response received from Arrow Global
06/2013 - CCA document emailed to Niddy
06/2013 - Niddy says CCa is UNENFORCEABLE
06/2013 - Sent missing PT letter
19 July 2013 - received letter from Arrow Global stating we do not agree with your interpretation of statute.
26/08/2013 - Moorcroft chasing balance when notice of assignment states Wescot will be handling
01/09/2013 - sent Moorcroft letter asking why chasing balance if notice assignment states Wescot will be handling
11/09/2013 - Moorcroft sent letter saying they have noted notice of assignment. Their compliance officer looking into account
WILL IGNORE
04/11/2013 - Received letter from Moorcroft saying account is closed and will be passing back to Britannica Recoveries. Not sure why they telling me this thought account was with Wescot and Arrow Global.
30/11/2013 - Moorcroft send me letter telling me they have closed my account and passing back to Arrow Global.

[Sharon2345]

Re: Sharon2345 Unenforceability Diaries

SAINSBURYS
Interest frozen, defaulted 2006/7.

Name: Sainsburys

Type: Credit Card

Date commenced: not sure probably 2005

Approx balance £2,236

Date last paid: 1st May 2013

Arrangement: not paying previously paying token payment via dmp
Status: defaulted 2006/2007

Account owner: HBOS or Credite Experto not sure as info not there on credit file default has gone


4/2013 - CCA request sent
5/2013 - CCA response received
5/2013 - Queried documents - do not look real
5/2013 - Credite Experto response to log fraud claim with police and collection activity suspended for 21 days
06/2013 - CCA documents sent to Niddy
06/2013 - Niddy says UNENFORCEABLE
06/2013 - Sent missing PT letter
12th June 2013 - Received letter from Credite Experto - stating documents are real and supplied in good faith and whether unenforcable court would decide and collection activity will continue.
20th June 2013- Sent letter unenforecable and not communicating until 'true copy of agreement' is sent to me.
28th June 2013 - Received letter from Credite Experto - stating documents are real and supplied in good faith and whether unenforcable court would decide and collection activity will continue.
WILL IGNORE NOW until i receive next letter.
11/09/2013 - Receive another letter asking to Arrange payment plan. Will Ignore
28/11/2013 - Credite Experto send me letter offering me 50% full & final settlement. Will IGNORE havent got the money.
21/02/2014 - received a 50% off full balance offer letter from Credite Experto

[GetSmart]

Re: Sharon2345 Unenforceability Diaries

4/2013 - CCA request sent
5/2013 - CCA response received from Arrow Global

What was their response?

[Sharon2345]

Re: Sharon2345 Unenforceability Diaries

What was their response?

Sent me a letter stating its a recon and complys with CCA request and its acceptable. However cash amount borrowed is incorrect i borrowed £14k not £14,800 they state. Terms also sent which are a seperate document seems to be printed off a online arrow global database. You can see the directory information on the bottom of the pages.

Also just a question on a agreement shouldnt it state 'cash amount borrowed' and not 'cash amount lent'?

[MrsD]

Re: Sharon2345 Unenforceability Diaries

Sharon, welcome to AAD

I presume you have read around the forum and are aware of how UE works, I see you've laid out your diary beautifully, thank you, it makes life easier for us.

if you have documents purporting to be lawful CCAs it's a good idea to send to Niddy, he'll have a look and give you a true picture of what they have actually sent.

You shouldn't cross anything or blank anything out so that Nids can have a proper look, he can be trusted. Put you user name in the top line of the email so that he can identify you.

You've come to the right place to start kicking back at the banks and we will help you through.

[Never-In-Doubt]

Re: Sharon2345 Unenforceability Diaries

Ive been emailing this user a while now and have the agreements, it was my email asking for a diary that prompted this thread

I will reply later, as to the agreements sitting in my indox

[MrsD]

Re: Sharon2345 Unenforceability Diaries

sorry Sharon

welcome anyway, Niddy does believe we're all psychic or septic more like

[Never-In-Doubt]

Re: Sharon2345 Unenforceability Diaries

sorry Sharon

welcome anyway, Niddy does believe we're all psychic or septic more like

Sorry! I only got to bed at like 8am and she posted after then

[ScabHunter]

Re: Sharon2345 Unenforceability Diaries

Niddy does believe we're all psychic or septic more like

Yes, he's a big fan of Septic.

SH

[MrsD]

Re: Sharon2345 Unenforceability Diaries

Sorry! I only got to bed at like 8am and she posted after then

you're forgiven then, just this time mind.................

[Never-In-Doubt]

Re: Sharon2345 Unenforceability Diaries

Yes, he's a big fan of Septic.

SH

[Pixie]

Re: Sharon2345 Unenforceability Diaries

Well done on starting your diary.

As MrsD said, it's set out beautifully but it will be easier to follow as time goes on if you use different colours for letters sent and letters received.

[Sharon2345]

Re: Sharon2345 Unenforceability Diaries

Well done on starting your diary.

As MrsD said, it's set out beautifully but it will be easier to follow as time goes on if you use different colours for letters sent and letters received.

Many thanks for your advice will start changing these colours.

[Sharon2345]

Re: Sharon2345 Unenforceability Diaries

SAINSBURYS
Interest frozen, defaulted 2006/7.

Name: Sainsburys

Type: Credit Card

Date commenced: not sure probably 2005

Approx balance £2,236

Date last paid: 1st May 2013

Arrangement: not paying previously paying token payment via dmp
Status: defaulted 2006/2007

Account owner: HBOS or Credite Experto not sure as info not there on credit file default has gone


4/2013 - CCA request sent
5/2013 - CCA response received
5/2013 - Queried documents - do not look real
5/2013 - Credite Experto response to log fraud claim with police and collection activity suspended for 21 days
06/2013 - CCA documents sent to Niddy
06/2013 - Niddy says UNENFORCEABLE
06/2013 - Sent missing PT letter
12th June 2013 - Received letter from Credite Experto - stating documents are real and supplied in good faith and whether unenforcable court would decide and collection activity will continue.
20th June 2013- Sent letter unenforecable and not communicating until 'true copy of agreement' is sent to me.
28th June 2013 - Received letter from Credite Experto - stating documents are real and supplied in good faith and whether unenforcable court would decide and collection activity will continue.
WILL IGNORE NOW until i receive next letter.

I stopped paying my DMP and the company got bought by another i didnt send back signed authority as my debts are in dispute. They still contacted my creditors with payment plan and Credite Experto sent letter stating arrangement to pay in place and CCA documents sent were sent in good faith collection activity will continue. I have replied stating DMP should not have contacted you as they no longer respresent me, and i stand with what i sent previously (missing PT letter) account is unenforable and i will not communicate with them until i receive a true copy of what i have requested.

Will this be ok?

[SA Gold]

Re: Sharon2345 Unenforceability Diaries

Hi Sharon,
Welcome to AAD
I would write to the DMP advising them you no longer require their services and they are to not expect any further payments from you.

Cheers
Missy

Edit: Have you heard anything from Arrow RE: Egg - i see you are approaching 6 years on that one?!