JASSASBLUE - UE Diary

[jassasblue]

Re: JASSASBLUE - UE Diary

I have few DCA letters filtering through, so far Niddy has deemed all of my Agreements UE (at this stage but it's early days!) also some are still to reply to the CCA sent 3rd January 2014. Silly question, do I just ignore all letters from DCAs who are chasing for payment? I don't want to keep posting letters all the time on here, do I only act if they mention court proceedings?

[Deepie]

Re: JASSASBLUE - UE Diary

Ok do I ignore this letter please?


Sorry for typing the whole letter, do I ignore, they haven't sent me a default either unless it's on the way!

i would if it were me ....see what they send next.

[Pixie]

Re: JASSASBLUE - UE Diary

I have few DCA letters filtering through, so far Niddy has deemed all of my Agreements UE (at this stage but it's early days!) also some are still to reply to the CCA sent 3rd January 2014. Silly question, do I just ignore all letters from DCAs who are chasing for payment? I don't want to keep posting letters all the time on here, do I only act if they mention court proceedings?

Personally I wouldn't ignore all letters the dcas send.

When you receive a letter you don't need to type out the whole letter, just post the gist of it. Then we can let you know whether to ignore or send a letter. If you ignore all letters you run the risk of that going against you should it ever go to court.

[jassasblue]

Re: JASSASBLUE - UE Diary

Personally I wouldn't ignore all letters the dcas send.

When you receive a letter you don't need to type out the whole letter, just post the gist of it. Then we can let you know whether to ignore or send a letter. If you ignore all letters you run the risk of that going against you should it ever go to court.

Thanks Pixie, great help, I've just received a default notice from Studio today, it's badged up as DCS Debt Collection and Security, they've also sent a Notice of Arrears and a Statement with regular £12 charges being applied, do I ignore? I'm not sure who DCS are, has anyone heard of them or are they the internal DCA for Studio?

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Marlin Europe, previously Lloyds TSB

• Type of account Credit Card
• Date commenced 25/03/2002
• Approx balance £4639.18
• Date last paid DMP 25/12/2013
• Are you on arrangement or not paying DMP
• Status Default 24/09/2010

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
09/01/14 Letter from Marlin, agreement requested from Lloyds Bank
17/02/14 Letter from Marlin, overdue payment - plus balance £4638.18 they've credited £1 to my account!!!

Letter received today from Marlin, they thank me for my request for statements and enclose copies from 2008, re my CCA request, they are still attempting to source the agreement - here's hoping they can't

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

Ok that needs no reply. Keep us updated.

[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
29/01/14 Agreement received (21 pages of small print) emailed to Niddy

Niddy says ignore

03/02/14 Missing PT's template sent
14/02/14 Letter received from Argos - Unfortunately we are unable to locate the signed copy of your agreement. We make no admissions whether or not the agreement was actually signed by yourself and reserve the right to undertake a more thorough search should it become necessary for us to enforce the agreement in court. We accept that unless we are able to locate the signed agreement or otherwise prove that it was signed by you it is unenforceable against you.

Finally after 6 years it looks like I'll get a default, this letter is very safe

25/02/14 Default notice received from Argos and notification saying DCA to be assigned. Argos never stopped the interest during my DMP, in fact I owe more now after 5 years of DMP than when I started!!!!

Letter received from FRS Financial Recovery Services Ltd - Pre Litigation Warning (not sure if FRS are Argos internal DCA) do I ignore or sent SWID?

[MrsD]

Re: JASSASBLUE - UE Diary

yup I'd get the swid off.

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Debt Managers Ltd, previously Next

• Type of account Next Directory Store Card
• Date commenced 25/11/2002
• Approx balance £601.00
• Date last paid DMP 25/12/2013
• Are you on arrangement or not paying DMP
• Status Default 02/10/2009

Letter Sent
Letter Received

03/01/14 CCA Letter sent
11/01/14 Agreement received from Next
11/01/14 Email to Niddy
11/01/14 Email from Niddy agreement UE :-) Next course of action: http://www.all-about-debt.co.uk/old/...escribed-terms
16/01/14 PT letter sent
16/01/14 Another agreement received from Next same as 11/01/2014 - only difference they say balance £201.15 instead of £601.16
20/01/14 Letter received from Debt Managers Ltd enclosing agreement and asking for payment - ignored as crossed with PT Letter 16/01/14
18/03/14 Letter received from Debt Managers Ltd chasing for payment, they have contacted Stepchange who inform account closed!

I'm sure this is a daft question and once I know the answer I'll apply it to other debts. Letter from Parkgate Investigation Bureau chasing for payments, with lots of red letters (I'm not worried by this) The small print says a division of Debt Managers, who I sent the CCA and Missing PT's to as they've dealt with for some time. I take it I just ignore letters like this when they are the same DCA just a sub division?

Thanks in advance!

[MrsD]

Re: JASSASBLUE - UE Diary

I'd ignore this infantile attempt to intimidate you, but check with us, everybody is different

[jassasblue]

Re: JASSASBLUE - UE Diary

Mrs D - big thanks you're a gem

[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 returning CCA letter requesting signature and also asking for any previous names (I've changed back to my maiden name 7 years ago)
24/01/14 Letter Sent http://www.all-about-debt.co.uk/old/...d-of-signature
07/02/14 Letter from Amex with copy agreement emailed to Niddy
09/02/14 Niddy says UE, send missing PT's
10/02/14 Missing PT's sent
17/02/14 Letter from AIC dated 12/02/14 demanding payment - ignored as crossed with missing PT's
22/02/14 Letter from Amex, my Missing PT's letter passed to their Complaints Dept!
06/03/14 Letter from Amex disputing my UE claim as I effectively signed when I applied online for the card by ticking a box!
Niddy says: The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 meaning any online agreements entered into prior to this date still need a signed executed credit agreement. As yours was after this date the tick in the box is fine, however they should supply a copy of the actual tick-in-the-box as opposed to a signed application, if you see what I mean?

It's all very well them saying you did this, so they need to send a copy then to prove it!

01/04/14 Letter received from Amex, account transferred to DCA UCA, not sure where AIC went to!!! - ignoring until I hear from UCA!

[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 returning CCA letter requesting signature and also asking for any previous names (I've changed back to my maiden name 7 years ago)
24/01/14 Letter Sent http://www.all-about-debt.co.uk/old/...d-of-signature
07/02/14 Letter from Amex with copy agreement emailed to Niddy
09/02/14 Niddy says UE, send missing PT's
10/02/14 Missing PT's sent
17/02/14 Letter from AIC dated 12/02/14 demanding payment - ignored as crossed with missing PT's
22/02/14 Letter from Amex, my Missing PT's letter passed to their Complaints Dept!
06/03/14 Letter from Amex disputing my UE claim as I effectively signed when I applied online for the card by ticking a box!
Niddy says: The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 meaning any online agreements entered into prior to this date still need a signed executed credit agreement. As yours was after this date the tick in the box is fine, however they should supply a copy of the actual tick-in-the-box as opposed to a signed application, if you see what I mean?

It's all very well them saying you did this, so they need to send a copy then to prove it!

01/04/14 Letter from Amex, account transferred to DCA UCA - ignoring until I hear from UCA

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
29/01/14 Agreement received (21 pages of small print) emailed to Niddy

Niddy says ignore

03/02/14 Missing PT's template sent
14/02/14 Letter received from Argos - Unfortunately we are unable to locate the signed copy of your agreement. We make no admissions whether or not the agreement was actually signed by yourself and reserve the right to undertake a more thorough search should it become necessary for us to enforce the agreement in court. We accept that unless we are able to locate the signed agreement or otherwise prove that it was signed by you it is unenforceable against you.

Finally after 6 years it looks like I'll get a default, this letter is very safe

25/02/14 Default notice received from Argos and notification saying DCA to be assigned. Argos never stopped the interest during my DMP, in fact I owe more now after 5 years of DMP than when I started!!!!

26/03/14 Letter from FRS Financial Recovery Services Letter, Pre Litigation Warning,
29/03/14 SWID sent

03/04/14 Letter from FRS, notice of intended recovery action received, they may follow 2 steps, 1 - home visit from recovery specialist, 2 - Legal action to obtain County Court Judgement, they are also charging £12 for every letter.

I think this has crossed with the SWID, do I need to do anything?

[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 returning CCA letter requesting signature and also asking for any previous names (I've changed back to my maiden name 7 years ago)
24/01/14 Letter Sent http://www.all-about-debt.co.uk/old/...d-of-signature
07/02/14 Letter from Amex with copy agreement emailed to Niddy
09/02/14 Niddy says UE, send missing PT's
10/02/14 Missing PT's sent
17/02/14 Letter from AIC dated 12/02/14 demanding payment - ignored as crossed with missing PT's
22/02/14 Letter from Amex, my Missing PT's letter passed to their Complaints Dept!
06/03/14 Letter from Amex disputing my UE claim as I effectively signed when I applied online for the card by ticking a box!
Niddy says: The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 meaning any online agreements entered into prior to this date still need a signed executed credit agreement. As yours was after this date the tick in the box is fine, however they should supply a copy of the actual tick-in-the-box as opposed to a signed application, if you see what I mean?

It's all very well them saying you did this, so they need to send a copy then to prove it!

01/04/14 Letter from Amex, account transferred to DCA UCA - ignoring until I hear from UCA

03/04/14 Letter from UCA asking me to call to make payment - I note this is a branch of RMA (I believe they are in house Amex DCA) do I send the SWID?

[MrsD]

Re: JASSASBLUE - UE Diary

swid it is!