JASSASBLUE - UE Diary

[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

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

[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

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

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
15/01/14 Reconstituted agreement and statement of account received,
15/01/14 Email to Niddy for advice (signature electronic and definitely not mine!)

Niddy's reply:
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/index.php/template-letters/unenforceability/s2-receiving-letters/118-cca-query-missing-prescribed-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

16/01/14 PT Letter sent

Just received a statement from Studio, they have applied my £1 CCA fee as a payment, I know I've seen a template response to this, can I find it NO - result = 1 hour searching and now late for work oops!

Is there a quick way to find something?, I tried the search but it brings up the keywords. I feel daft asking silly questions when I know I've read it somewhere!!!! Grrr 42 and feel 82......

[MrsD]

Re: JASSASBLUE - UE Diary

sit back definitely!

[patchouli]

Re: JASSASBLUE - UE Diary

edited as quoted wrong post.... this was in reply to your £1 being used instead of for CCA
I cant find it either sorry... did have a try

[SXGuy]

Re: JASSASBLUE - UE Diary

Wouldnt worry about it for now, we would argue the case after 6 years of non payment.

[jassasblue]

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

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
15/01/14 Reconstituted agreement and statement of account received,
15/01/14 Email to Niddy for advice (signature electronic and definitely not mine!)

Niddy's reply:
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/index.php/template-letters/unenforceability/s2-receiving-letters/118-cca-query-missing-prescribed-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

16/01/14 PT Letter sent

Letter Received from Studio in response to my PT letter. I'm still getting to grips with these, I think they are confirming it is unenforceable via the scenic route of Carey V HSBC2009. 2 pages of what they can do yawn, yawn. If I'm right they are going to default me, (I have a statement where they have applied oodles of charges over the years). I've emailed to Niddy for confirmation of unenforceable debt and then in the future sit back and let the letter tennis commence For future reference, re letters should I just post them here???

[SXGuy]

Re: JASSASBLUE - UE Diary

Only if you want to, but blank out any personal details first.

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Barclaycard (formerly Skycard)

• Type of account Credit Card
• Date commenced 14/12/2005
• Approx balance £4459.67
• 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
11/01/14 Letter from Barclaycard, dealing with CCA request
15/01/14 Barclaycard letter received, they are unable to provide a copy of the terms of my credit agreement. Account suspended immediately and they accept account unenforceable.
15/01/14 Email to Niddy to confirm.

Niddy's reply:


that's also

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

16/01/14 PT Letter sent

28/11/14 Reply to Missing PT's. We are unable to provide all the documentation and information required by section 78 of the Consumer Credit Act 1974. You can however request a SAR for £10. We accept that we are prevented from enforcing our agreement while this state of affairs continues yada yada yada We would however like you to pay in accordance with your statements. We may issue a default notice and instruct a third party to demand payment.

This letter relates to both accounts and is very safe in my clutches, payment? Hahaha bye bye Barclaycard - letter filed and ignored

[odetter]

Re: JASSASBLUE - UE Diary

Wow you really are having a good start!!
The great thing about this route is that you are regaining control over your finances and your life.

[odetter]

Re: JASSASBLUE - UE Diary

Yes, I'm new to this but I've just cancelled. Stepchange very unhelpful indeed. I'm awaiting the CCA responses then I'll take it from there with help on here. Best decision I ever made, shame I didn't research this earlier. Good luck Wiggle 61 - keep the faith

A baby cries when it has its milk taken away, these guys are no different.
Toothless as well.

[Deepie]

Re: JASSASBLUE - UE Diary

Yes ....Great start well done.... I have one of those letters not heard a thing in 5 years....

[helmsman]

Re: JASSASBLUE - UE Diary

Yes ....Great start well done.... I have one of those letters not heard a thing in 5 years....

Ha Ha Me too but only 3 years

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

Excellent - bet you're glad we pushed you to try the UE route now, already onto a very good winner