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  • #556
    Re: Patch's Diary

    Am now dosed up with sudoephedrin or something and off to bed... again!! Will try again tomorrow when I feel a bit more human.... I hope!!

    Thanks everyone....

    Comment

    • #557
      Re: Patch's Diary

      I hope you're feeling better soon Patch x
      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.

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      • #558
        Re: Patch's Diary

        oops.... left it too late.

        Just got this... what should we do now please?

        Click image for larger version Name: 17th march 2016 mbna lba.jpg Views: 1 Size: 106.7 KB ID: 1410764

        Comment

        • #559
          Re: Patch's Diary

          I would send the LBA response template in the template section at the top of the forum page asap.
          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

          • #560
            Re: Patch's Diary

            LBA2016
            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

            • #561
              Re: Patch's Diary

              Originally posted by Pixie View Post
              I would send the LBA response template in the template section at the top of the forum page asap.
              http://forums.all-about-debt.co.uk/s...l=1#post495044
              OK but that letter makes no sense in this case.... they ave sent all the things listed and where it says "
              A request was made under s.77 / s.78 / s.79 on the xx/xx/xxxx and this has not been complied with."

              It was complied with.....

              So do i still send it even though it doesnt apply?

              Comment

              • #562
                Re: Patch's Diary

                I have it printed ready to send..... not sure if I should or if it needs 'tweaking'

                Comment

                • #563
                  Re: Patch's Diary

                  Ideally a bit of tweaking would be good but you are in a bit of an odd position where they have sent you half a rainforest already.

                  That is not to say that what has been sent is of any use or is not littered with mistakes etc

                  Is any of what has been sent unreadable/poorly photocopied etc - Even slightly?

                  Have they sent you 2x copies of terms and conditions? You should have an original set ( From inception) and a newer set ( Unless the terms have never changed which is unlikely)

                  Don't go into any detail to protect yourself but any unreadable docs/Not correct terms etc means that they have not complied and you can send the letter as is.

                  Sending it anyway wont do you any harm as such and may buy you a little time but it would be best to get it right if you can.
                  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

                  • #564
                    Re: Patch's Diary

                    Sorry Patch - Half Asleep

                    Have you seen the Jan 2016 LBA reply which does away with the problems you have raised

                    http://forums.all-about-debt.co.uk/FREE/LBA-2016.doc

                    Depending what has/has not been received this may be the better reply

                    I know you may have already received these but requesting them again could be helpful
                    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

                    • #565
                      Re: Patch's Diary

                      In AAD+ templates there's an LBA assuming a CCA was sent & assuming one wasn't sent. Use that one.

                      Edit - you're not a member of AAD+.

                      Therefore just delete the paragraph (3rd para up from bottom) regards the CCA within the LBA linked above (or subscribe to AAD+)!
                      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

                      • #566
                        Re: Patch's Diary

                        Spud.. it's all perfectly legible... the only thing I cant see is terms...

                        I really want to subscribe and I will.... I can send you a screen grab of my bank account to explain why I can't now :-(

                        3rd paragraph from bottom deleted and I will endeavor to post the letter today.

                        Thank you everyone :-)

                        Comment

                        • #567
                          Re: Patch's Diary

                          ok it's been sent

                          Comment

                          • #568
                            Re: Patch's Diary

                            Good luck Patch. Sorry I didn't have the time yesterday to read back through your diary to see what had been sent before.
                            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

                            • #569
                              Re: Patch's Diary

                              it was signed for so they have it now..... and now Hubby has the virus! It's making its way through the family....

                              Comment

                              • #570
                                Re: Patch's Diary

                                ok tey wrote back saying "we've done all this, here it is again"

                                This time they sent it signed for and with terms & conditions...

                                This is like a weird game of chess... lol... what do we do now ?

                                Comment

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