FiscalFool's UE Diary

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Hey,
Same card, simular balance here.... FYI Its about a year since I first CCAd them and Im still not paying, so there is still a hell of a lot of blagging left (if you so wish) before you feel like you are pushed into paying.

Check me out: I'm a bit of an EGGxpert today. *ahem*

Cheers SLUG, that's some EGGcellent advice

I'm happy to keep blagging them.

What is likely to be final outcome from all this blagging? Will they make me pay up, or offer me a reduced settlement figure, or is it possible to blag them for 6 years and then it falls off?

[Never-In-Doubt]

Re: FiscalFool's UE Diary

We're hoping that after you ignore them for long enough, they go away! Then you get an annual chaser letter, which you return as unknown - then before you know it 6yrs are up and it's SB'd

Well that's the plan, of course

[fiscalfool]

Re: FiscalFool's UE Diary

We're hoping that after you ignore them for long enough, they go away! Then you get an annual chaser letter, which you return as unknown - then before you know it 6yrs are up and it's SB'd

Well that's the plan, of course

Sounds good to me.

Oh ...

15/04/2011 DMP cancelled - Let the barrage of letters begin!

I'd been procrastinating about cancelling. Initially wanting to just understand more about UE, and see what position I ended up in. Then moving got in the way ... but just remembered to cancel Standing Order and to email PayPlan!

Now decided to take the full leap in the deep end!


... and Nid, did you get chance to read the two Egg letter I'd received and uploaded?

[Never-In-Doubt]

Re: FiscalFool's UE Diary

I'd been procrastinating about cancelling. Initially wanting to just understand more about UE, and see what position I ended up in. Then moving got in the way ... but just remembered to cancel Standing Order and to email PayPlan!

Now decided to take the full leap in the deep end!

Well done you - have you told them your new address, ie your creditors..... have you sent CCA requests?

... and Nid, did you get chance to read the two Egg letter I'd received and uploaded?

I'll check now....

[Never-In-Doubt]

Re: FiscalFool's UE Diary

... and Nid, did you get chance to read the two Egg letter I'd received and uploaded?

Egg admit in their letter that they provided a recon and used original terms in place as at account inception - ermm, we already knew that! Point is, that's not acceptable - yea they are relying on Carey but in our eyes, a recon is not fulfilling the request as you can demand sight of this if they attempt action - they can create a copy, if they have the source at hand from other methods, how the hell then can they create an agreement when they don't have the original? Its bonkers....

I'd say ignore this for now and see what they do next!

[fiscalfool]

Re: FiscalFool's UE Diary

Well done you - have you told them your new address, ie your creditors..... have you sent CCA requests?

No chance .. I told PayPlan ... "please advise my creditors to contact me directly from now on".

I'll leave it at that. No point telling them I've moved! ;-)

I'll check now....

Cheers ears

[fiscalfool]

Re: FiscalFool's UE Diary

Egg admit in their letter that they provided a recon and used original terms in place as at account inception - ermm, we already knew that! Point is, that's not acceptable - yea they are relying on Carey but in our eyes, a recon is not fulfilling the request as you can demand sight of this if they attempt action - they can create a copy, if they have the source at hand from other methods, how the hell then can they create an agreement when they don't have the original? Its bonkers....

I'd say ignore this for now and see what they do next!

Remember that you did say it's enforceable though, as it was applied for online and was a tick-box.

Ok, will soon get some mail from them now the DMP is cancelled!

[fiscalfool]

Re: FiscalFool's UE Diary

In final news of the day, I've got a buyer lined up for my car. It's at half the amount outstanding (£13k) ... but at least it's some cash I can put into my bank account, pay off the ex for the house stuff, and still have some "breathing space" in case of emergencies.

Then I'll get a much cheaper efficient car via work.

[Never-In-Doubt]

Re: FiscalFool's UE Diary

Remember that you did say it's enforceable though, as it was applied for online and was a tick-box.

Ok, will soon get some mail from them now the DMP is cancelled!

Things now change after what they admitted in that letter! Have a read yourself, they are saying some weird shit to say the least! However, lets see what comes next yea - do nothing for now!

[Never-In-Doubt]

Re: FiscalFool's UE Diary

No chance .. I told PayPlan ... "please advise my creditors to contact me directly from now on".

I'll leave it at that. No point telling them I've moved! ;-)

So you have told the creditors you moved, but not PayPlan? Ermmm, that's back-to-front!

Mail redirect....

Am confused here

[Never-In-Doubt]

Re: FiscalFool's UE Diary

In final news of the day, I've got a buyer lined up for my car. It's at half the amount outstanding (£13k) ... but at least it's some cash I can put into my bank account, pay off the ex for the house stuff, and still have some "breathing space" in case of emergencies.

Then I'll get a much cheaper efficient car via work.

Well done - just keep it quiet from the loan company

[fiscalfool]

Re: FiscalFool's UE Diary

So you have told the creditors you moved, but not PayPlan? Ermmm, that's back-to-front!

Mail redirect....

Am confused here

Sorry ...

I'd told PayPlan that I might have been moving. I haven't told the creditors a thing.
I've simply emailed PayPlan and said "Cancel it, and get creditors to contact me directly".

By directly, I meant "the address they have on record" ... my old address, with the mail forwarder

[fiscalfool]

Re: FiscalFool's UE Diary

Well done - just keep it quiet from the loan company

Yup, just need to decide between my shortlist of four cars now. Oh and get mine washed and vacuumed before I take it to the car dealer.

It's due a major service, and two front tyres, which im holding off on!

[Never-In-Doubt]

Re: FiscalFool's UE Diary

By directly, I meant "the address they have on record" ... my old address, with the mail forwarder

Makes sense - well done, clever (and correct) way to do things

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Santander - Personal Finance - Car

Type of account (credit card/loan) = Personal Finance Loan
Date commenced (ideally before Apr 2007) = March 2009
Approx balance = £15k, Redemption Figure of £13k
Date last paid (approximate date you last made a FULL payment) = February 2011
Are you on arrangement or not paying = No, Paying full payment each month
Status (default/in arrears/up-to-date) = Up to date
Account owner (who is writing to you, a DCA or the lender) = Santander

28/01/2011 Ready!
01/02/2011 CCA Request sent, 1st Class Recorded with Postal Order stapled inside.
17/02/2011 CCA Request Received, dated 16th Feb and sent back via Recorded post. Signed for it Uploaded for Niddy!
22/02/2011 Niddy says:
22/02/2011 Niddy suggested not making token payments until they default me.
25/03/2011 Been receiving a slew of letters to set-up my direct debit. Telling me that I am in Default, but not issued Default YET! Holding on tight and just ignoring them!
26/03/2011 DEFAULT Recevied in Post - Dated 16th March. Did they leave it on the side for two weeks before posting!?!
19/04/2011 External Collection Action Notice - Recevied in Post - Dated 14th April. Received between 18-20th April while I was away on business. - Uploaded
19/04/2011 TERMINATION Notice - Recevied in Post - Letter Undated. Received between 18-20th April while I was away on business. - Uploaded
21/04/2011 48 Hour Notice - Recevied in Post from "CodeRED" Collections - Letter Dated 17th April. Uploaded

Oh they've decided to act upon the DEFAULT. Letters uploaded for Niddy