Patch's Diary

[patchouli]

Re: Patch's Diary

oh... just found out that if I google that first sentence with [made up name] in it this post comes up.... I didn't know this area was public... *waves at DCA*

edit: have edited my posts so the name I made up doesn't show any more... but then can see Niddy quoted me lmao...

[patchouli]

Re: Patch's Diary

ok just checking before I send this.... I'm writing

"please refer to my CCA request which was signed for, by [made up name] at your office on [date]. Please deal with the content within that letter to allow me to determine any liability towards you, if any. Until such time you do respond, I understand that this account remains unenforceable in line with s.127(3) Consumer Credit act 1974"

OH MY GOODNESS!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I dont know if this is funny as hell or a huge mistake but...

I THINK I printed and sent off that letter with [made up name] still there instead of the actual mans name that signed for it!!!

PMSL!!!

Now I am hoping that a) They wouldn't be able to check who actually signed for it anyway unless they have the tracking code and b) I'm sure staff make up names all the time to sign for mail...

[patchouli]

Re: Patch's Diary

Well thrrrrrrrrrrrrrrrrrrrpppp to you lot.. ENGLAND WON!

Yes Niddy I re-read that yesterday as I was posting and still don't get it.. lmao.. but doesn't matter now as the blasted debt has gone, vanished! All thanks to AAD

Only three left now.. and ... um.. a new one... Ebay sellers fees, Paypal froze our account as some people from Bosnia or something complained, we couldn't touch our money (still cant without proof of business, which it isn't it was just a 'thing' Hubby and the boys were doing, selling toy drones)... So, Ebay fees stay due while paypal refunded everyone.. everyone! So we didn't make any money, sold a few drones, they all got the drones for free and we paid for drones and have Ebay fees of £600

[greymatter]

Re: Patch's Diary

Top result,well done

[cymruambyth]

Re: Patch's Diary

Brilliant news, well done everyone. Come on Fiji

[Never-In-Doubt]

Re: Patch's Diary

This debt scared me the most (as you know)

This is why we resort to dirty tactics and play them at their own game. It's enforceable

Awesome result - now this should all make sense from back in February....

11th February as feared, Niddy says it is enforceable but has asked for more details as it is a "this is a preference account, ie a loan and overdraft or card and overdraft which were rather weird to say the least." Which is giving me hope!! Not sure what it means though lmao

[Never-In-Doubt]

Re: Patch's Diary

HA HA!!!! I'm so happy..

AND.... we are winning so far at Rugby!!!!!

I have no voice!! lmao...

oop back on...

Are we? I support Fiji you know......

I'm Scottish so support all England's opponents

[patchouli]

Re: Patch's Diary

HA HA!!!! I'm so happy..

AND.... we are winning so far at Rugby!!!!!

I have no voice!! lmao...

oop back on...

[nanna58]

Re: Patch's Diary

What a piggin result !!!!!!!!!!!!! Patch we ruddy love you too .....xxxx

[Deepie]

Re: Patch's Diary

WOW ..... what a result ...well done you ...

[patchouli]

Re: Patch's Diary

Awesome

This debt scared me the most (as you know)

THANK YOU!!!!! xxx

Rugby has just started too... I'm a HUGE rugby lover... what a night.... yes!!!!!!

[Never-In-Doubt]

Re: Patch's Diary

Awesome

£20k success there

[patchouli]

Re: Patch's Diary

I RUDDY LOVE YOU!!!!!!!

NIDDY I WANT TO KISS YOU!!! mwahhhhh.. and everyone else that helped with this...

ffs look!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

HA HA!!!

• Type of account Loan HSPF (mine)
  
  
• Date commenced original October 2005, asked for more � in 2008
  
  
• Approx balance £19,553
• Date last paid Last FULL payment 2012 I think
  
  
• Are you on arrangement or not paying Not paying but since 2012 was paying dribs and drabs
  
  
• Status um.. haven't paid, it's been sold ... default?
  
  
• Account owner Lowell

Just read this on Noddle:
Account start date - 07/10/2008
Opening balance -£27,603
Regular payment - £328
Repayment frequency - Monthly
Date of default -30/06/2011
Default balance - £19,553

• Current state of play -

CCA signed for 5/12/13

Reply to CCS request - 13/12/13 (letter dated 11/12/13)

They've contacted HBOS - 28/12/13 (dated 23/12/13)

They are still waiting for the agreement and wont write to me again until they have it - 03/01/14 (dated 30th/12/13)

7th February CCA recieved with my ruddy signature on... grr

10th February sent forms to Niddy.. I feel sick :-(

10th February got statement of account letter from Lowells

11th February as feared, Niddy says it is enforceable but has asked for more details as it is a "this is a preference account, ie a loan and overdraft or card and overdraft which were rather weird to say the least." Which is giving me hope!! Not sure what it means though lmao

12th Feb missing PT sent via signed for.

14th Feb missing PT was signed for

14th Feb letter arrived "We regret you've not paid, call to prevent action being taken" dated 11th Feb

12th March text message to my mobile saying I must call them.

13th March letter from Lowells saying they have replied to my request... they haven't, they didn't send MPT

14th March I send letter saying oiy.. missing PT bitches and stop calling my telephone!

15th March above letter signed for by BOND

20th March.... no more telephone calls since 15th.. nice one!

29th March letter dated 21st saying we have sent everything, call us and arrange to pay us.

12th April letter dated 9th April saying we have replied to your query, pay us now.

28th April letter from Lowells saying you still haven't paid, we are going to dig about in your credit file and come after you.

14th May letter dated 9th May saying they've tried and I haven't played ball so now they will send an agent or go to court.

19th May sent a DO NOT DOORSTEP and a reminder they haven't sent MPT

21st May letter above signed for by Lowells

16th June letter dated 12th June from Lowells "we are looking into your query"... I presume they mean the MPT?

14th September 2015... Letter from Lowells.... WRITTEN OFF>>>>> £0.00 owed!!!!! YES!!!!

WRITTEN OFF!!!!!

THANK YOU THANK YOU!!!!!

[Never-In-Doubt]

Re: Patch's Diary

ok just checking before I send this.... I'm writing

"please refer to my CCA request which was signed for, by XXXXX at your office on 28th January 2014. Please deal with the content within that letter to allow me to determine any liability towards you, if any. Until such time you do respond, I understand that this account remains unenforceable in line with s.127(3) Consumer Credit act 1974"

Is that ok?

thats perfect. I never said to send a SWID template did I? So no - just do as I suggested. The wording is quite deliberate. Don't edit it or add to it.

Its a a game of poker. Tell them they're at fault but that's all. They are in default so cannot enforce. Don't encourage compliance from them as doing so allows remedial action thus leading to enforcement.

[patchouli]

Re: Patch's Diary

ok just checking before I send this.... I'm writing

"please refer to my CCA request which was signed for, by [made up name] at your office on [date]. Please deal with the content within that letter to allow me to determine any liability towards you, if any. Until such time you do respond, I understand that this account remains unenforceable in line with s.127(3) Consumer Credit act 1974"

Is that ok?

Also should I slip in a Sold n dispute letter with it?

OR.. shall I add this to the paragraph above..

"
I would also like to point out that this account is formally in dispute with BARCLAYCARD and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Reque...."

And include the whole sid letter?