Woodgate's UE Diary

[Never-In-Doubt]

Re: Woodgate's UE Diary

Thanks, I've uploaded it to the Online Portal.

Ok you'll have a wait then - thus I asked you to email as I am on my phone so can look at email - I cannot view uploads on my phone and won't be online for a few days (on laptop)......

Email me for quicker response - thanks

[Woodgate]

Re: Woodgate's UE Diary

email me the agreement etc mate - webmaster@all-about-debt.co.uk and I'll check it later

Thanks, I've uploaded it to the Online Portal.

[Never-In-Doubt]

Re: Woodgate's UE Diary

Update

CCA received from Arden.
I'll upload for checking, but it doesn't look good

email me the agreement etc mate - webmaster@all-about-debt.co.uk and I'll check it later

[Woodgate]

Re: Woodgate's UE Diary

5) MBNA

• Type of account - Credit card
• Date commenced - September 1999
• Approx balance - £12,500
• Date last paid - tbc
• Are you on arrangement or not paying - Not paying
• Status - Defaulted April 2014
• Account owner - Arden Credit (for Idem Capital Securities)

11/10/14 - Sent CCA request to Arden Credit Management
20/11/14 - Letter received from Arden - 'we have tried to contact you a number of times...if we don't hear from me in the next 7 days we will consider paying a visit to discuss in person..'
21/11/14 - CCA reminder/doorstep letter sent.
27/11/14 - CCA received.

Update

CCA received from Arden.
I'll upload for checking, but it doesn't look good

[Never-In-Doubt]

Re: Woodgate's UE Diary

Yep - if anything merge the two mate. Add the no visit paragraph to the CCA reminder.

[Woodgate]

Re: Woodgate's UE Diary

5) MBNA

• Type of account - Credit card
• Date commenced - September 1999
• Approx balance - £12,500
• Date last paid - tbc
• Are you on arrangement or not paying - Not paying
• Status - Defaulted April 2014
• Account owner - Arden Credit (for Idem Capital Securities)

11/10/14 - Sent CCA request to Arden Credit Management

Received a letter from Arden today saying they have tried to contact me a number of times over the previous few weeks, and if they don't hear from me in the next 7 days
they will consider paying a visit to discuss in person.

They are yet to reply to my CCA request, so I'll send them a reminder http://www.all-about-debt.co.uk/inde...ability-threat
The calls & texts are easy to ignore, but I don't really want them turning up. Is it ok to tag http://www.all-about-debt.co.uk/inde...doorstep-visit on the
CCA reminder, or would it be better to send it separately?

[Woodgate]

Re: Woodgate's UE Diary

Hi

- this is 100% UE as there is nothing from account inception, all they've sent is recon terms.

I'd respond as follows --> http://www.all-about-debt.co.uk/inde...escribed-terms

Thanks Niddy, much appreciated.

It was nice of Lloyds to offer the services of their 'financial health specialists', I'm sure they would have come to the same conclusion.

[Never-In-Doubt]

Re: Woodgate's UE Diary

4) Lloyds Bank

• Type of account - Credit card
• Date commenced - June 1997
• Approx balance - £17,000
• Date last paid - tbc
• Are you on arrangement or not paying - Arrangement
• Status -Defaulted May 2014
• Account owner - Moorcroft (for Lloyds Bank)

20/10/14 - Sent CCA request to Moorcroft
05/11/14 - CCA received

Hi

Sorry for the delay - this is 100% UE as there is nothing from account inception, all they've sent is recon terms.

I'd respond as follows --> http://www.all-about-debt.co.uk/inde...escribed-terms

[Woodgate]

Re: Woodgate's UE Diary

Updates

7) Tesco

• Type of account - Credit card
• Date commenced - October 2002
• Approx balance - £4,250
• Date last paid - tbc
• Are you on arrangement or not paying - Arrangement
• Status - Defaulted December 2013
• Account owner - Moorcroft (for Tesco)

20/10/14 - Sent CCA request to Moorcroft
31/10/14 - CCA received

03/11/14 - Niddy says

4) Lloyds Bank

• Type of account - Credit card
• Date commenced - June 1997
• Approx balance - £17,000
• Date last paid - tbc
• Are you on arrangement or not paying - Arrangement
• Status -Defaulted May 2014
• Account owner - Moorcroft (for Lloyds Bank)

20/10/14 - Sent CCA request to Moorcroft
05/11/14 - CCA received

CCA received from Lloyds (reconstituted agreement)
Uploaded for checking.

[Woodgate]

Re: Woodgate's UE Diary

This is UE - yes they've sent terms but that's it - where did you agree to take this product? There is no signed agreement - in fact there is no agreement, period!



I'd respond as follows --> http://www.all-about-debt.co.uk/inde...tions-received

The terms they sent are questionable as I need the agreement to align the two - so right now it is UE.

I see they have sent the request for Absolute Assignment to another department, I guess any agreement could be sent with this.

[Woodgate]

Re: Woodgate's UE Diary

My question was rhetorical. The bank must supply it (or a recon)....

[Woodgate]

Re: Woodgate's UE Diary

I need this emailed too mate - for some reason your larger files are corrupting......

webmaster@all-about-debt.co.uk

Just emailed, I don't think it went through first time.

[Woodgate]

Re: Woodgate's UE Diary

This looks good sadly. I cannot see anything wrong with the agreement or the terms.



Still, might be worth blagging it for now and sending this --> http://www.all-about-debt.co.uk/inde...escribed-terms

Thanks.

[Never-In-Doubt]

Re: Woodgate's UE Diary

This was originally a Morgan Stanley Dean Witter card, I think it was a magazine leaflet [ATTACH=CONFIG]14854[/ATTACH]

My question was rhetorical. The bank must supply it (or a recon)....

[Woodgate]

Re: Woodgate's UE Diary

This is UE - yes they've sent terms but that's it - where did you agree to take this product? There is no signed agreement - in fact there is no agreement, period!

This was originally a Morgan Stanley Dean Witter card, I think it was a magazine leaflet