Woodgate's UE Diary

[Never-In-Doubt]

Re: Woodgate's UE Diary

Thanks for looking at these, much appreciated


Would the default sums be covered under 2.k, or do they have to be more specific ?


2. Using the Card

Charges
k. If you do not keep to any of these conditions, you may have to pay our administrative charges as set out in our published tariff. We will apply these
charges to your account. We may change our charges from time to time.

It'll be specific on default sums and list the amount, look at your tesco agreement for an example as they normally have it.....

However that's not enough to make it UE - it's just questionable as to whether the terms are in fact allowed to charge any default sums.....

[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

[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 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.

[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

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!



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

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.

[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

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.

[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?

[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
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

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

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.