Digby's ue Diary

[Pixie]

Re: Digby's ue Diary

Personally, I think I'd just ignore it.

[The Tech Clerk]

Re: Digby's ue Diary

Ignore I would and see what next!

[nightwatch]

Re: Digby's ue Diary

Ditto xx

[nanna58]

Re: Digby's ue Diary

Double ditto x

[Digby]

Re: Digby's ue Diary

MBNA
Type of account - Credit card
Date commenced – Pre 2007 will need to check
Approx balance - £500
Date last paid – 18.2.2015
Are you on arrangement or not paying – Was making reduced payment to MBNA but have now stopped
Status – 1.10.2014 Default Notice
Account owner – Link
History – MBNA

16.2.2015 Letter received from Link advising sold to them
16.2.2015 CCA request sent
21.2.2015 Letter from Link suggesting may take up to 30 days to provide cca.
24.06.2015 Copy of CCA received, uploaded for Niddy to view.

CCA received from MBNA yesterday, only three months late! Uploaded for Niddy.

[Pixie]

Re: Digby's ue Diary

Just think of it as a welcome 3 month break

[PlanB]

Re: Digby's ue Diary

MBNA
Type of account - Credit card
Date commenced – Pre 2007 will need to check .
24.06.2015 Copy of CCA received, uploaded for Niddy to view.

CCA received from MBNA yesterday, only three months late! Uploaded for Niddy.

Would you mind also emailing a copy of the "CCA" you have been sent (including any covering letter) to planB@all-about-debt.co.uk

Did this "CCA" come from MBNA or did it come from Link?

Plan B x

[Digby]

Re: Digby's ue Diary

The docs were sent by Link. Will email later today.
Thank you for your help.

[Digby]

Re: Digby's ue Diary

Would you like me to email everything (including all the pages of the T&C etc) or just the 4 pages I uploaded?

[PlanB]

Re: Digby's ue Diary

Would you like me to email everything (including all the pages of the T&C etc) or just the 4 pages I uploaded?

Send me everything please and put your user name in the subject bar and include a link to this thread using PlanB@all-about-debt.co.uk

Plan B x

[Digby]

Re: Digby's ue Diary

Thank you, have emailed all docs today, as requested.

[PlanB]

Re: Digby's ue Diary

Thank you, have emailed all docs today, as requested.

And I've received them

However I'm struggling a bit because the documents you've sent are photos which appear to be cropped so there's text missing at the top and bottom of some and no page numbers on any of them.

Do you have access to a scanner so you can make full sized PDFs of everything?

Plan B x

[Digby]

Re: Digby's ue Diary

Have emailed again

[Digby]

Re: Digby's ue Diary

Capital One
Type of account - Credit card
Date commenced - 1998
Approx balance - £10,800
Date last paid – October 2014
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – 28.8.2014 Default Notice
Account owner – Capital One or Cougar Collections, not sure at this time.
History – Capital One from date of agreement but may now be with Cougar Collections.

23.10.2014
Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery. I am wondering should I send it to Capital One or to the Collection Agency or to both? I assume we’ll be receiving a letter from them in the next few days to confirm the debt has been passed over but I’m pretty sure it’s Capital One. I can block any calls from Cougar and I’ll await a letter from them but I’m wondering how things might progress from here.
27.10.2014 Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.
12.11.2014 Copy of CCA received from Capital One
14.11.2014 CCA uploaded
21.11.2014 Niddy advised temporarily UE as no PTs, advised to send follow-up letter.
5.12.2014 Letter from Capital One advising passed to Frederickson International followed by call from Fredericksons which I blocked.
19.12.2014 Follow up letter “CCA Query Missing Prescribed Terms” sent to Fredriksons
15.4.2015 Letter from Credit Solutions saying passed to them from Capital One and requesting arrangement for payment.
30.4.2015 Follow up letter “CCA Query Missing Prescribed Terms” sent to Credit Solutions
16.06.2015 Letter from Credit Solutions stating that unless I make contact the account will be referrred back to Capital One. Ignored.

Received a letter from Credit Solutions headed 'Final Notice' and stating that 'if you fail to make contact with us your account will be referred back to our client [and] they may consider selling [it]. Once sold, you will no longer deal with Capital One Bank '.

[Pixie]

Re: Digby's ue Diary

I would be ignoring this one too

Let Credit Solutions pass it back to Capital One and then the merry-go-round can begin again