1245pebbles UE Diary

[Never-In-Doubt]

Re: 1245pebbles UE Diary

dodgy guarantor loan but with no guarantor (their slip up) but they went for a CCJ which got thrown out. Went to reapply with correct info and they had an exact copy of my original agreement loan amount my sig, terms everything - so I offered to pay them off to stop it.

where's a slapped-wrist smilie when you want one?! lol oh here I'll do it for you LOL

p

Ermmm, hello - why the hell did you pay this? if a guarantor loan was not guaranteed then it'd not be valid! Anyway, hindsight eh?

We have loads of spank smileys......

i've just not finished uploading them all - in time there'll be loads to chose from (because we're always tanning the hides of DCA's)

[1245pebbles]

Re: 1245pebbles UE Diary

Just checking in, no decisions made - just sitting tight and haven't read the diaries yet - didn't want anyone to think I'd run off!
p

[Never-In-Doubt]

Re: 1245pebbles UE Diary

Just checking in, no decisions made - just sitting tight and haven't read the diaries yet - didn't want anyone to think I'd run off!
p

You need to be reading and deciding

[1245pebbles]

Re: 1245pebbles UE Diary

I know, just taking a bit of a break from it all at the moment - no rash decisions in the meantime though I promise
p

[Never-In-Doubt]

Re: 1245pebbles UE Diary

I know, just taking a bit of a break from it all at the moment - no rash decisions in the meantime though I promise
p

Ok, well don't be thinking for too long... it's not going to go away! But whatever you do, make the right choices - even if thats to try and make silly offers, just to see that they will not accept things that low - it would ease your mind, but also allow them to know you have money - which we don't want

[1245pebbles]

Re: 1245pebbles UE Diary

Hi Nids, so Moorcroft and Cabot have forced my hand to start taking a look at things again!

I have updated the relevant posts (7 and 8). Have some paperwork to look at and have emailed the scan to you for when you have time if OK? Looks like my application form, plus a set of "conditions of use" that seem generic.

Also Moorcroft have sent a letter acknowledging receipt of a £1 payment. So they have used it towards the balance rather than for CCA request. Is there a template letter to reply back to this?

Thanks, always!
p

[Never-In-Doubt]

Re: 1245pebbles UE Diary

Type of account Credit card - Sainsburys
Feb 2011 CCA'd - standard letter, no response yet (sent last week)
11 April 2011 (letter dated 30 March 2011) - Cabot attaching documentation - Niddy have scanned and emailed you - think it's just my application form plus some standard terms.

This is an application form with no direct linked terms, generic terms mean little when considering they appear to be from a more recent date

Respond with this: ---> CCA Query - Application Form Received

[Never-In-Doubt]

Re: 1245pebbles UE Diary

Type of account Credit card - MINT
5 April 2011 - Moorcroft have sent a letter acknowledging receipt of a £1 payment. So they have used it towards the balance rather than for CCA request. Is there a template letter to reply back to this?

Don't worry about this; they are in default of your CCA Request so give them a month or so then send off the CCA Reminder - if they have offset it against a debt then it's their fault, they cannot enforce this until such time they respond with the CCA and fully adhere to your s.78 request.

therefore this is, and remains, until such time they come out of default.

No action necessary on this for the time being

[Never-In-Doubt]

Re: 1245pebbles UE Diary

I have updated the relevant posts (7 and 8).

Hiya

Please have a mooch here and try and copy the format by colouring in updates then quoting your own post with the update so I know what it is you're doing/on about

Taken from here: #2 ---> Example of perfect layout

Thanks....

[1245pebbles]

Re: 1245pebbles UE Diary

Thanks Niddy - colour coded my posts now - Sorry!

I received letter from Cabot Financial for Sainsburys (dated 6th May) stating that the paperwork they sent me was indeed a signed copy of my original credit agreement; again they're still referring to the application form.

Do I just send the
Refusal by Lender/DCA - to accept Unenforceability letter?

many thanks,
p

[Never-In-Doubt]

Re: 1245pebbles UE Diary

Thanks Niddy - colour coded my posts now - Sorry!

I received letter from Cabot Financial for Sainsburys (dated 6th May) stating that the paperwork they sent me was indeed a signed copy of my original credit agreement; again they're still referring to the application form.

Do I just send the
Refusal by Lender/DCA - to accept Unenforceability letter?

many thanks,
p

Well done, yep - send that

[1245pebbles]

Re: 1245pebbles UE Diary

Hi Niddy, I'm still lurking! I haven't made any offers just sitting tight on everything.

I just wondered if there are routes I can go down for a defaulted bank account (Santander) - I know you can't really go for unenforceability but is there anything else I can try? They added masses of charges so total is way over.

I have updated that post and haven't responded to anything they've sent me yet.

Thanks and hope you're well! I've been keeping an eye on your HSBC fight- you rock!

p

[Never-In-Doubt]

Re: 1245pebbles UE Diary

Hiya

Just see what happens, for the moment just ignore Santander.....

HSBC is a right pain.... the FOS have thrown away my complaint, I sent it special, have receipt etc and they (FOS) say it isn't there. Joke!

[1245pebbles]

Re: 1245pebbles UE Diary

Hiya

Just see what happens, for the moment just ignore Santander.....

HSBC is a right pain.... the FOS have thrown away my complaint, I sent it special, have receipt etc and they (FOS) say it isn't there. Joke!

Will do thanks

Aargh, how frustrating with the FOS, they're supposed to protect us folk and they can't even manage their post?!

[Never-In-Doubt]

Re: 1245pebbles UE Diary

Will do thanks

Aargh, how frustrating with the FOS, they're supposed to protect us folk and they can't even manage their post?!

It was a 200+ page dossier I posted that was £14 in postage. Not impressed, not at all.