GDPR Cookie Consent by SimpleServe Privacy Script Matt's UE diary - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Matt's UE diary

Collapse
X
Collapse
 
  • Page of 5
  • Filter
  • Time
  • Show
Clear All
new posts
Previous 1 2 3 4 5 template Next
  • #31
    Re: Matt's UE diary

    Thanks SXGuy and Deepie,

    Well, I've only been a forum member a few days and it's working wonders for me.

    I feel no guilt whatsoever about UE debts. The credit card companies have behaved in a reprehensible way, particularly in relation to the charging of extortionate interest rates.

    Comment

    • #32
      Re: Matt's UE diary

      Originally posted by Matt View Post
      Thanks SXGuy and Deepie,
      Well, I've only been a forum member a few days and it's working wonders for me.
      hey Matt, Glad things are working out for you mate. I too felt a huge sense of relief after finding the forum. Its great to feel in control of things isn't it?

      Originally posted by Matt View Post
      I feel no guilt whatsoever about UE debts. The credit card companies have behaved in a reprehensible way, particularly in relation to the charging of extortionate interest rates.
      Me neither. As already pointed out by other members: when the sh1te hits the fan, do they help? No, they make things harder, increase rates and send out threatening letters. Fuck 'um, frankly
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #33
        Re: Matt's UE diary

        Originally posted by Matt View Post
        MBNA (card 1 of 3)

        Date commenced - 1998

        Approx balance - £14,000

        Date last paid - January 2012

        arrangement or not paying - not paying

        Status - default in June 2012

        Account owner - LINK

        HISTORY

        MAY 2013 - CCA request to Link
        MAY 2013 - Link say was sold to IDR Finance in August 2012 and that copy agreement requested from MBNA
        JUNE 2013 - account in dispute letter sent
        JUNE 2013 - SAR sent
        JUNE 2013 - Link write to say that as account opened in 1998 taking longer than expected to retrieve the documents or even the possibility that they may no longer exist

        Comment

        • #34
          Re: Matt's UE diary

          Originally posted by Matt View Post
          JUNE 2013 - Link write to say that as account opened in 1998 taking longer than expected to retrieve the documents or even the possibility that they may no longer exist
          It's about one and a half months since I made the CCA request. Keeping my fingers crossed.

          Comment

          • #35
            Re: Matt's UE diary

            Keep your fingers crossed that they can't find it
            Let your smile change the world but don't let the world change your smile

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #36
              Re: Matt's UE diary

              Originally posted by Matt View Post
              BARCLAYCARD/MORGAN STANLEY

              Date commenced - 2000

              Approx balance - £9,500

              Date last paid - January 2012

              arrangement or not paying - not paying

              Status - default in August 2012

              Account owner - MKDP LLP

              HISTORY

              MAY 2013 - CCA request to Compello
              JUNE 2013 - MKDP say unable to fulfil request at this time and liaising with original creditor
              JUNE 2013 - account in dispute letter sent
              JUNE 2013 - SAR sent
              JUNE 2013 - MKDP supply copy of signed application form. Emailed to Niddy to seek his view.
              Have received letter from MKDP with application form from 2000. Have asked Niddy if he'd kindly take a look.

              Comment

              • #37
                Re: Matt's UE diary

                Originally posted by Matt View Post
                BARCLAYCARD/MORGAN STANLEY

                Date commenced - 2000

                Approx balance - £9,500

                Date last paid - January 2012

                arrangement or not paying - not paying

                Status - default in August 2012

                Account owner - MKDP LLP

                HISTORY

                MAY 2013 - CCA request to Compello
                JUNE 2013 - MKDP say unable to fulfil request at this time and liaising with original creditor
                JUNE 2013 - account in dispute letter sent
                JUNE 2013 - SAR sent
                JUNE 2013 - MKDP supply copy of signed application form. Emailed to Niddy to seek his view.
                Niddy advises this is UE. ))))))) I will send appropriate template letter.

                I know I have a long way to go, but Niddy and you guys have saved me. iIt's going unbelievably well so far. Three out of five cards UE so far, and no substantive response from the other two a month and a half after CCA requests.

                Thanks again.

                Comment

                • #38
                  Re: Matt's UE diary

                  Good news Matt
                  Let your smile change the world but don't let the world change your smile

                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #39
                    Re: Matt's UE diary

                    Nice one Mat :-)
                    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #40
                      Re: Matt's UE diary

                      Originally posted by Matt View Post
                      MBNA (card 2 of 3)

                      Date commenced - 1999

                      Approx balance - £16,000

                      Date last paid - December 2011

                      arrangement or not paying - not paying

                      Status - default in June 2012

                      Account owner - LINK

                      HISTORY

                      MAY 2013 - CCA request to Link
                      JUNE 2013 - account in dispute letter sent
                      JUNE 2013 - SAR sent
                      CCA response from Link. I have emailed the documents to Niddy.

                      Comment

                      • #41
                        Re: Matt's UE diary

                        Fingers crossed for you on this one too Matt
                        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #42
                          Re: Matt's UE diary

                          Originally posted by Matt View Post
                          MBNA (card 1 of 3)

                          Date commenced - 1998

                          Approx balance - £14,000

                          Date last paid - January 2012

                          arrangement or not paying - not paying

                          Status - default in June 2012

                          Account owner - LINK

                          HISTORY

                          MAY 2013 - CCA request to Link
                          MAY 2013 - Link say was sold to IDR Finance in August 2012 and that copy agreement requested from MBNA
                          JUNE 2013 - account in dispute letter sent
                          JUNE 2013 - SAR sent
                          JUNE 2013 - Link write to say that as account opened in 1998 taking longer than expected to retrieve the documents or even the possibility that they may no longer exist
                          This is also

                          Reason? Well they sent the terms, second page of your upload, which clearly mentions term 9.4, for example. So we then look at term 9 (9.4 is not there) which reads:

                          9. We will not charge interest on the outstanding amount of a Retail Transaction shown on the latest statement r! the whole Account balances as shown on the previous and latest statements are paid within 28 days after the relevant statement date.

                          So then we read the attached 'recon' terms, which you assume will have term 9.4, being as they mention it on the application - however at point 7.2 the terms stop to be replaced with -

                          Please refer to your Credit Agreement for conditions 8 and 9

                          And then goes on to term 10.

                          These terms are NOT relevant to this account and hence the account is unenforceable.

                          Respond as follows --> CCA Query - Missing Prescribed Terms - allaboutDEBT UK
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #43
                            Re: Matt's UE diary

                            Originally posted by Matt View Post
                            MBNA (card 2 of 3)

                            Date commenced - 1999

                            Approx balance - £16,000

                            Date last paid - December 2011

                            arrangement or not paying - not paying

                            Status - default in June 2012

                            Account owner - LINK

                            HISTORY

                            MAY 2013 - CCA request to Link
                            JUNE 2013 - account in dispute letter sent
                            JUNE 2013 - SAR sent
                            JULY 2013 - CCA response from Link. Sent to Niddy for advice.
                            This is identical to the one above, as in error wise and you can also treat this as

                            Respond as follows --> Matt's UE diary - Page 3 - allaboutFORUMS
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #44
                              Re: Matt's UE diary

                              Two results there then!
                              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #45
                                Re: Matt's UE diary

                                Originally posted by missy View Post
                                Two results there then!
                                I think it's a full house 3/3 mate (£42k as well)
                                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                                Comment

                                Previous 1 2 3 4 5 template Next
                                Working...
                                X