JASSASBLUE - UE Diary

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Argos

Type of account Store Card
Date commenced 16/11/2004
Approx balance £1590.23
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Arrangement on Credit File

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
20/01/14 No response yet

24/01/14 Still no response from Argos, my 12+2 days are over, do I sit back, feet up and await any response or chase?

[jassasblue]

Re: JASSASBLUE - UE Diary

SaltnVinegar great stuff, thank you for your help. I'll get it downloaded

[SaltnVinegar]

Re: JASSASBLUE - UE Diary

21/01/14 Letter from Amex acknowledging CCA letter, requesting for a signature to proceed (letter returned) and confirm any previous name that may have been registered with them (this was taken out in my married name but I've reverted to my maiden name 7 years ago)

I know it's been asked before but I can't find it - how do I proceed now?

Send them the following:

http://www.all-about-debt.co.uk/old/...d-of-signature

Whatever you do don't send them a list of previous names etc - if they don't know that makes it harder for them to produce a reconstructed agreement

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Allied International Credit, previously Amex

• Type of account Credit Card
• Date commenced 11/04/2006
• Approx balance £3112.91
• Date last paid DMP 25/12/2013
• Are you on arrangement or not paying DMP
• Status Default 26/07/2008

Letter Sent
Letter Received

03/01/14 CCA Letter Sent 03/01/2014
20/01/14 No reply yet

21/01/14 Letter from Amex acknowledging CCA letter, requesting for a signature to proceed (letter returned) and confirm any previous name that may have been registered with them (this was taken out in my married name but I've reverted to my maiden name 7 years ago)

I know it's been asked before but I can't find it - how do I proceed now?

[Pixie]

Re: JASSASBLUE - UE Diary

What a great start...here's hoping the rest bring equally good news

[jassasblue]

Re: JASSASBLUE - UE Diary

Skycard (barclaycard) isn't on your diary (page 1)

however that's also

send this back -> http://www.all-about-debt.co.uk/old/...escribed-terms

Hi Niddy, it is on my UE diary, apologies I listed it as Barclaycard as it's been that for years, I'll update it to show both.

Super quick reply again, you'll get bored of me saying thanks at this rate!!

[odetter]

Re: JASSASBLUE - UE Diary

What a great start!!

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

Skycard (barclaycard) isn't on your diary (page 1)

however that's also

send this back -> http://www.all-about-debt.co.uk/old/...escribed-terms

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

Account Owner Studio Catalogue

Type of account Catalogue
Date commenced 21/09/2004
Approx balance £1299.59
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Arrangement on credit file
CCA Letter Sent 03/01/2014
So far no response 13/01/2014

15/01/14 Reconstituted agreement and statement of account received, email to Niddy for advice.

This is

It's unenforceable.


Stop paying and send them the Missing PT's letter.


Template to send back -> http://www.all-about-debt.co.uk/old/...escribed-terms


Now even though we know it's a fraudulent copy, at this stage we don't tell them. So obviously that's why we're sending the missing PT's template so as not to give away your ace card ie they sent a fake recon and faked your signature (fraud).


They won't win if they took you to court, put it that way

[odetter]

Re: JASSASBLUE - UE Diary

Early bullseye!!!
Be good if they were all like that!!

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

They reply as and when they can. As there are no records it's got a faster reply.
Each case sits on its own merits remember!!!

They'll sit with it, who will buy it without an agreement (other than Lowell's??) - if it's sold on we have a template which you send with a copy of Barclays letter. It'll be fun watching the new owner try to sue when the OC says they couldn't find any agreement of which to utilise Carey and recon it from.

Remember Carey stipulates you must create a recon using elements from the original but how can they do that with no original, eh?

[odetter]

Re: JASSASBLUE - UE Diary

Do Barclays always respond that quickly?
I'd have expected them to string it out.
Will they sell it on?

[SaltnVinegar]

Re: JASSASBLUE - UE Diary

The time scale is ridiculous. StepPlan love these agreements as they give the Financial Industry long-term control over people's lives.

What is also ridiculous, and what they don't tell you, is that some spiteful creditors have a habit of making a court claim with only a few months of the DMP left screwing up peoples credit files even further................

In this consideration you are much better off playing for UE and going for statute barred rather than paying such a long term DMP

[SaltnVinegar]

Re: JASSASBLUE - UE Diary

Barclaycard letter received, the are unable to provide a copy of the terms of my credit agreement. Account suspended immediately and they accept account unenforceable. Email to Niddy to confirm.

Great News! I'm sure Stepchange would never have said you'd get that result!

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

Barclaycard letter received, the are unable to provide a copy of the terms of my credit agreement. Account suspended immediately and they accept account unenforceable. Email to Niddy to confirm.

Hehe - well done what a way to start things rolling. Brilliant news -