Grassy_K's Unenforceability Diary

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

HFC Credit Card

Date commenced: Approx. 2003

Approx Balance £5900

Date last paid Aug 2013

Defaulted December 2013

Account owner HFC still (I think)

13/1 Letter from HFC - account has been referred to Restons Solicitors
20/1 Letter to HFC - complaint re failure to consider offers or freeze interest, request for copy of Credit Agreement enclosing £1
21/1 Extremely threatening letter received from Restons - pay up by January 30th or we will issue a County Court summons
21/1 Letter to Restons - outstanding CCA request and account in dispute with HFC
29/1 Letter from Restons - We are referring to our client and will revert back to you in due course
13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
13/2 - Letter from Restons - backing down from the court action - no longer instructed in this matter, please direct all future communications to HFC
25/2 - 13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
19/3 - Phone call from HFC - apologies for taking a long time to respond - offer of 3 months' interest and charges refunded (unfortunately only back to the account...) sorry it's taken so long to respond to the CCA request but it will be provided within the next 3-4 weeks (no hurry!).

[Never-In-Doubt]

Re: Grassy Knollington vs Nasty Banks

HFC Credit Card

Date commenced: Approx. 2003

Approx Balance £5900

Date last paid Aug 2013

Defaulted December 2013

Account owner HFC still (I think)

13/1 Letter from HFC - account has been referred to Restons Solicitors
20/1 Letter to HFC - complaint re failure to consider offers or freeze interest, request for copy of Credit Agreement enclosing £1
21/1 Extremely threatening letter received from Restons - pay up by January 30th or we will issue a County Court summons
21/1 Letter to Restons - outstanding CCA request and account in dispute with HFC
29/1 Letter from Restons - We are referring to our client and will revert back to you in due course
13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
13/2 - Letter from Restons - backing down from the court action - no longer instructed in this matter, please direct all future communications to HFC
25/2 - 13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
19/3 - Phone call from HFC - apologies for taking a long time to respond - offer of 3 months' interest and charges refunded (unfortunately only back to the account...) sorry it's taken so long to respond to the CCA request but it will be provided within the next 3-4 weeks (no hurry!).

NO MORE TALKING ON THE PHONE!!

You must fail security, ignore the call, tell them to write only. Stop talking to these cretins...... I'm looking at the Egg CCA now

[Never-In-Doubt]

Re: Grassy Knollington vs Nasty Banks

The Egg CCA - you have attached images into a word document, this restricts my being able to zoom in and properly view them without distortion so can you please get the photo's and instead of adding into a word document, please attach them directly onto an email as attachments so I can actually view them in an image viewer and zoom in.

I did reply to your email last week asking this, but your recent emails are the same - in a word document.

I'll await your email with attachments separately attached

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

The Egg CCA - you have attached images into a word document, this restricts my being able to zoom in and properly view them without distortion so can you please get the photo's and instead of adding into a word document, please attach them directly onto an email as attachments so I can actually view them in an image viewer and zoom in.

I did reply to your email last week asking this, but your recent emails are the same - in a word document.

I'll await your email with attachments separately attached

Oh sorry Niddy.. I never got that email....

All resent as photos

[Never-In-Doubt]

Re: Grassy Knollington vs Nasty Banks

Perfect. I'm on it now mate.

Gimme ten - twenty mins

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

oh crap.. Just noticed my mail program reduced the resolution of the scans automatically. Resent again at original resolution. Sorry Niddy I think I must be clogging up your mailbox at the moment

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

NO MORE TALKING ON THE PHONE!!

You must fail security, ignore the call, tell them to write only. Stop talking to these cretins...... I'm looking at the Egg CCA now

Yeah they got me there but only because it was Customer Relations and not collectors. Slapped wrists all round...

[Never-In-Doubt]

Re: Grassy Knollington vs Nasty Banks

oh crap.. Just noticed my mail program reduced the resolution of the scans automatically. Resent again at original resolution. Sorry Niddy I think I must be clogging up your mailbox at the moment

How many emails

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

How many emails

I know.. Couldn't send them together because the file size was 43 MB Reduced scan sizes were terrible quality... I.. I'm not good.. sorry.. blame Barclaycard for being so thorough

[Never-In-Doubt]

Re: Grassy Knollington vs Nasty Banks

There is no signed agreement, all they've done is send terms - where is the agreement that accompanies these terms?

It is UE and you should respond as follows --> http://www.all-about-debt.co.uk/old/...tions-received

[Never-In-Doubt]

Re: Grassy Knollington vs Nasty Banks

I know.. Couldn't send them together because the file size was 43 MB Reduced scan sizes were terrible quality... I.. I'm not good.. sorry.. blame Barclaycard for being so thorough

The first email with all the attachments was fine - when I zoom it auto resizes and keeps pixels to around 600% (HD laptop) - so next time you're fine putting them in one email, that size....

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

There is no signed agreement, all they've done is send terms - where is the agreement that accompanies these terms?

It is UE and you should respond as follows --> http://www.all-about-debt.co.uk/old/...tions-received

thanks so much Niddy, result!


I will send them the letter now.

[CleverClogs (RIP)]

Re: Grassy Knollington vs Nasty Banks

I'm on it now mate.

Gimme ten - twenty mins

[Grassy_K]

Re: Grassy Knollington vs Nasty Banks

Barclaycard #1 (old Egg card)

Date commenced: Approx. 2004

Approx Balance £9,000

Date last paid : Token £5 payments on DMP every month

Defaulted - Jan 2013

Account owner: Barclaycard

1/2 - Letters x 2 from Barclaycard "After reviewing your payments" we are now issuing a formal demand for payment (with threat of court action). Can avoid this by telephoning them and coming to a payment arrangement. And P.S we screwed up your CRA reporting. We're now correcting it and defaulting you.
24/2 - CCA requests x 2 sent to Barclaycard for each card (after a little delay on my part)
5/3 - Very lengthy reconstituted Egg agreement received from Barclaycard. Accompanying Letter: "...we have now fully complied with all our obligations under S.78". It looks good and professional
19/3 - Niddy says - no agreement just T&Cs
22/3 - UE letter sent to Barclaycard

[Grassy_K]

Grassy_K vs Nasty Banks

HFC Credit Card

Date commenced: Approx. 2003

Approx Balance £5900

Date last paid Aug 2013

Defaulted December 2013

Account owner HFC still (I think)

13/1 Letter from HFC - account has been referred to Restons Solicitors
20/1 Letter to HFC - complaint re failure to consider offers or freeze interest, request for copy of Credit Agreement enclosing £1
21/1 Extremely threatening letter received from Restons - pay up by January 30th or we will issue a County Court summons
21/1 Letter to Restons - outstanding CCA request and account in dispute with HFC
29/1 Letter from Restons - We are referring to our client and will revert back to you in due course
13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
13/2 - Letter from Restons - backing down from the court action - no longer instructed in this matter, please direct all future communications to HFC
25/2 - 13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
19/3 - Phone call from HFC - apologies for taking a long time to respond - offer of 3 months' interest and charges refunded (unfortunately only back to the account...) sorry it's taken so long to respond to the CCA request but it will be provided within the next 3-4 weeks (no hurry!).

28/3 Update: Signed for parcel from HFC received. Here is the information you requested. Consisting of 1) Statement of account 2) Photocopy of genuine application form with signatures of applicant & bank 3) Pages 1 & 2 of T&C's which should total 4 pages according to the footer. Will scan and send to the Master tonight, but I think I see a couple of issues with this from an enforceability standpoint. Here's hoping.