FiscalFool's UE Diary

[JudgeDreddy]

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

The buyers have my mobile number, as do my creditors. If it's changed, I can't get shitty calls off either!

nooo, let them have it but get a second phone. I'm having great fun telling the DCA to respond in writing

I'm currently working out the rules for the olympic sport of Debt Collector Baiting

[nanna58]

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

nooo, let them have it but get a second phone. I'm having great fun telling the DCA to respond in writing

I'm currently working out the rules for the olympic sport of Debt Collector Baiting

there are no rules ...are there?... i will help

[Never-In-Doubt]

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

Contents insurance for Cars? lol - I had to reword it as I typed it, as it was misleading talking about change of address.

Ooops, yea well I missed that part!

Ok .. did the uploaded CCA come through OK? I realise you've probably been too busy to check it.

Yep - I thanked your post so you would see I knew it was there!

[fiscalfool]

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

Abbey PLC - Cahoot Fixed Rate Loan


16/02/2011 CCA Request received, uploaded for Niddy.

Uploaded this one too.

[fiscalfool]

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

Yep - I thanked your post so you would see I knew it was there!

Cunning!

[Never-In-Doubt]

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

Uploaded this one too.

Nope, if you check the upload section here; ---> http://forums.all-about-debt.co.uk/s...ead.php?t=1265

You have only loaded Egg/Pru documents.... please add a new post reply and load this one again...

thanks mate

[fiscalfool]

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

Nope, if you check the upload section here; ---> http://forums.all-about-debt.co.uk/s...ead.php?t=1265

You have only loaded Egg/Pru documents.... please add a new post reply and load this one again...

thanks mate

You replied too quickly!

[Never-In-Doubt]

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

You replied too quickly!

sorry! Its one of these flexible loans that I always say are unenforceable as they are a loan cum overdraft so it doesn't allow proper conformation to the CCA (Overdrafts are exempt, loans are not) therefore what do you do here? Do you request documents under s.78 (revolving credit) or under s.77 (fixed term credit)....? Point here is that the agreement is not watertight at all, far far from it so until we have some sort of case-law precedent, we always assume they are UE - therefore send this back: ---> CCA Query - Missing Prescribed Terms

[fiscalfool]

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

Excellent thank you, will send that off today/tomorrow.

Still waiting on feedback for the earlier one ... Egg.

Just got another one through from Santander, for Car Finance. Will scan and upload shortly, although the quality of print is abysmal.

[Never-In-Doubt]

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

Still waiting on feedback for the earlier one ... Egg..

Linky please? I can't see anything (I don't search the threads, if you need an answer to something please quote the original post and add an update in red so I know what's going on)....

Am I right to presume this is the documents you loaded in the secure section? I've not checked over them yet? If so, ooops -- sorreeee

Please clarify for me

[fiscalfool]

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

Linky please? I can't see anything (I don't search the threads, if you need an answer to something please quote the original post and add an update in red so I know what's going on)....

Am I right to presume this is the documents you loaded in the secure section? I've not checked over them yet? If so, ooops -- sorreeee

Please clarify for me

Indeed, there's two uploaded to the secure section:

1) Egg - Not responded to.
2) Cahoot - Flexible loan. Responded to as


Then I have a Santander Car Loan to upload ... I'll put a new post up when I do that.

Fankoo

[fiscalfool]

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

Broadband and Phone:

I've decided to procure my own broadband and phone service, rather than have the work installed one. My options are:

1) BT - DONT USE, as Credit Check
2) Sky - It seems vague as whether they credit check you or not.
3) Talk Talk - Whom say they credit check for a phone line.

If they credit check during application, should I stop during the "past addresses" stage?

[Never-In-Doubt]

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

Broadband and Phone:

I've decided to procure my own broadband and phone service, rather than have the work installed one. My options are:

1) BT - DONT USE, as Credit Check
2) Sky - It seems vague as whether they credit check you or not.
3) Talk Talk - Whom say they credit check for a phone line.

If they credit check during application, should I stop during the "past addresses" stage?

Sky do not credit check you. Its fine, however you still need a normal landline don't you? Talk Talk use a BT line as well don't they? I'm not that clued up with phones like, however Virgin and BT both credit check you.

BT will not leave a search footprint so they are the safest option, virgin update it monthly and treat it like a credit account - BT do not.

Regards to uploads, i'm having a couple of days off - will check them on Monday - nothing is that urgent it can't wait til then

[fiscalfool]

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

Cheers, have a good break.

I've opted for sky, as since it's LLU, they can provide and bill for the landline too. Fingers crossed!

[fiscalfool]

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

Santander - Personal Finance - Car



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!

Just in process of uploading CCA now