clueless24 UE Diary

[Never-In-Doubt]

Re: clueless24 UE Diary

Unfortunately I do not own my own house so no CO. So if I am reading this right worse that can happen is I may get a CCJ, which I could defend by post or by going to court (the thought terrifies me). Thank you for being so patient and taking the time to explain everything to me

You don't own your house - great! That's good news... so the worse that will happen is they ccj you, wow, best run quick (lol - just messing)!

It goes after 6yrs as well, like a default etc so don't worry - when you're a homeowner it changes your options slightly otherwise, don't worry! It would affect you going for any financially related jobs, of course, but otherwise you'll be fine.... so long as you're not employed by a bank or in finance or anywhere that may credit search you, then you'll be fine with a ccj or ten! I know someone with 18 CCJ's - he doesn't care cos he is on the dole and cannot pay anything, been like that for 5 years and funnily enough he's on about starting work next year

[Slickfm]

Re: clueless24 UE Diary

You don't own your house - great! That's good news... so the worse that will happen is they ccj you, wow, best run quick (lol - just messing)!

It goes after 6yrs as well, like a default etc so don't worry - when you're a homeowner it changes your options slightly otherwise, don't worry! It would affect you going for any financially related jobs, of course, but otherwise you'll be fine.... so long as you're not employed by a bank or in finance or anywhere that may credit search you, then you'll be fine with a ccj or ten! I know someone with 18 CCJ's - he doesn't care cos he is on the dole and cannot pay anything, been like that for 5 years and funnily enough he's on about starting work next year

LOL Niddy

[clueless24]

Re: clueless24 UE Diary

Barclaycard

Credit Card
Commenced 2007?
Bal £2522.17
Last paid 24-2-10
Arrangement £1 monthly
Status default
Acc owner Barclaycard. Mercers writing

3-2-11 CCA request sent
4-2-11 Delivered
9-2-11 Recieved ack of request dated 8-2-11 dealing with request
18-2-11 Recieved formal demand for full payment from barclaycard
26-2-11 12 + 2 days up on the 23-2-11 no CCA recieved
4-3-11 Recieved letter from moorcroft make payment within 7 days or debt collector may call or may be passed to solicitor.
5-3-11 send account in default of CCA letter as advised
12-3-11 Recieved letter from Moorcroft advising account is on hold whilst they investigate with their client, will communicate their response upon receipt
13-4-11 Received CCA will e-mail Niddy for checking please

Recieved letter from Barclaycard today enclosing a CCA. The odd thing about this is I had a credit card pre 2005 which was cleared and closed in April 2005 following the sale of my house. However I then applied for a new account in 2007 by which time I had moved 3 times, the first page of the CCA has my address from 2005 hope that makes sense and possibly a difference in the scale of things. Please can you advise if the CCA is enforcable and what my next step should be thank you as always.

[clueless24]

Re: clueless24 UE Diary

Shop Direct Finance

Catalogue credit account
Commenced 2004?(correction 1994)
Bal £2182.16
Last paid 25-1-10
No arrangement but sending £1 token payment monthly
Acc Owner Shop Direct Finance/ NDR writing

3-2-11 CCA request sent
4-2-11 Delivered
17-2-11 £1 chq cashed
26-2-11 12 + 2 days up on the 23-2-11 No CCA recieved
28-2-11 CCA recieved E-MAILED NIDDY
4-3-11 NIDDY SAYS UE WHOO HOO!!! sent final response recorded delivery
25-3-11 Recieved letter from NDR Notice of payment arrangements £1 per month for a further 12 months.
6-4-11 Letter fron SDG entitled Request to cancel credit agreement and saying they have satisfied my request in accordance with consumer credit act 1974 and I must continue to pay.
6-4-11 Will ignore as advised
13-4-11 Received monthly statement along with the monthly default notice and notification of £12 missed minimum payment fee added to the account.

Does the fact that I recieve a monthly default notice have any impact on the account in regard to when it will come off my credit file ie: 6 years from default date will it be when I recieved the first default notice or the latest notice, as I get one every month from them what does that mean long term?

[MrsD]

Re: clueless24 UE Diary

they can only default you once, the first time is the only one which is official and the six years run from that one. Can't imagine what they think they are doing with the rest...............

[Deepie]

Re: clueless24 UE Diary

Does the fact that I recieve a monthly default notice have any impact on the account in regard to when it will come off my credit file ie: 6 years from default date will it be when I recieved the first default notice or the latest notice, as I get one every month from them what does that mean long term?

Hi
Are you posative it's a default notice and not just a notice of default on sums charged to your acount

[clueless24]

Re: clueless24 UE Diary

Hi
Are you posative it's a default notice and not just a notice of default on sums charged to your acount

God I feel so thick! I thought this was a default notice but it clearly says Notice of Default Sums under the consumer Credit Act 1974, I didn't realise there was a difference.
Thank you for pointing this out and taking the time to respond to my question In 2 deep.
At this point I guess it doesn't make a lot of difference as this is one Niddy says is a million % UE.

[Deepie]

Re: clueless24 UE Diary

God I feel so thick! I thought this was a default notice but it clearly says Notice of Default Sums under the consumer Credit Act 1974, I didn't realise there was a difference.
Thank you for pointing this out and taking the time to respond to my question In 2 deep.
At this point I guess it doesn't make a lot of difference as this is one Niddy says is a million % UE.

any time

[Never-In-Doubt]

Re: clueless24 UE Diary

God I feel so thick! I thought this was a default notice but it clearly says Notice of Default Sums under the consumer Credit Act 1974, I didn't realise there was a difference.
Thank you for pointing this out and taking the time to respond to my question In 2 deep.
At this point I guess it doesn't make a lot of difference as this is one Niddy says is a million % UE.

Basically the notice of default sums is a late payment/missed payment charge (usually £12) - you get one every month you don't pay. The default notice, that is served under s.87 of CCA1974 is entirely different in that it is this that registers adverse data with the CRA's and remains for 6 years.....

As others have clarified, they are two totally separate things....

[Never-In-Doubt]

Re: clueless24 UE Diary

Recieved letter from Barclaycard today enclosing a CCA. The odd thing about this is I had a credit card pre 2005 which was cleared and closed in April 2005 following the sale of my house. However I then applied for a new account in 2007 by which time I had moved 3 times, the first page of the CCA has my address from 2005 hope that makes sense and possibly a difference in the scale of things. Please can you advise if the CCA is enforcable and what my next step should be thank you as always.

Any chance you could upload it here: ---> Secure Section as I cannot access emails right now.

[clueless24]

Re: clueless24 UE Diary

Any chance you could upload it here: ---> Secure Section as I cannot access emails right now.

Hopefully I have uploaded the paperwork. Many thanks

[Never-In-Doubt]

Re: clueless24 UE Diary

Thanks, yep all received (see comments within the secure section)!

It is still UE - nothing changes, all they've done is send a copy of terms, nothing that suggests you agreed to them and therefore it is 100%

Respond to Barclays with this: ---> CCA Query - Terms & Conditions Supplied

[clueless24]

Re: clueless24 UE Diary

Thanks, yep all received (see comments within the secure section)!

It is still UE - nothing changes, all they've done is send a copy of terms, nothing that suggests you agreed to them and therefore it is 100%

Respond to Barclays with this: ---> CCA Query - Terms & Conditions Supplied

Thank you Niddy that's great news will send off letter today. Today I am smiling

[Never-In-Doubt]

Re: clueless24 UE Diary

Thank you Niddy that's great news will send off letter today. Today I am smiling

Good! We like to see happiness! Have a good weekend and don't stress out so much - you'll be fine!

[clueless24]

Re: clueless24 UE Diary

Egg Banking

Credit card
Approx 2000
Bal £10,861.91
Last paid 24-2-10
Arrangement £1 token
Status Default
Acc Owner Egg DLC writing acting on behalf of Egg

3-2-11 CCA request sent
4-2-11 Delivered
9-2-11 Recieved letter from DLC returned chq and advised write direct to EGG
11-2-11 CCA request sent direct to Egg
14-2-11 Delivered
21-2-11 Recieved letter from DLC dated 18-2-11 Notice of debt recovery
24-2-11 Recieved CCA have e-mail Niddy
24-2-11 Recieved letter from Aplins Solicitors have been instructed by DLC on behalf of EGG to recover bal, giving me 7 days to make full payment or agreement to pay, or legal proceedings may be commenced without further notice + fixed costs and fees.
25-2-11 NIDDY SAYS UNENFORCABLE WHOO HOO!!!!
Have sent Threat O Gram and Original CCA letters to both DLC & Aplins
12-3-11 Have recieved response from Hillesden Securities in response to my letter as above sent to Aplins and DLC. Noting my correspondence but that the issues raised are regarding the documentation supplied by Egg, due to the above my correspondence needs to be sent directly to thier clients Egg for them to address my concerns. Ignored
7-4-11 Received letter from DLC advising Client may be prepared to consider reducing balance, I must telephone immediately to discuss, failure to respond may result in further action being taken.
8-4-11 Sent Debtors final response letter recorded delivery
19-4-11 Received letter from Hillesden Securities We have noted the content of your correspondence (Debtors final response to CCA recieved) However we note that the issues raised are regarding the documentation supplied by Egg Banking, due to the above your correspondence needs to be sent directly to our client for them to address your concerns.

This is identical to the one I recieved on the 12-3-11. I now have letters about this UE Debt from DLC, Aplins and Hillesden all telling me I need to send correspondence directly to Egg I am guessing that I should ignore this? advise as always would be appreciated.