StressHead's UE Diary

[StressHead]

Re: MINT Credit Card

Ahh do nothing, just sit tight, Lowells will come to you with an offer - you'll have plenty chances to settle yet, don't stress

Ah bugger... Sorry Niddy, this has been sold to Moorcroft, not Lowells. Getting myself confused! Should I still hang fire even though it's Moorcroft and not Lowells? Thanks.

[Never-In-Doubt]

Re: StressHead's UE Diary

Yep

[StressHead]

Re: EGG Loan

EGG2 (Loan)
Date commenced: Sept 2006
Approx balance: £22,902
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Oct 2008. No Default Notice received.
Account Owner: Aktiv Kapital.

02 NOV 2010: Letter from Aktiv to me offering settlement figure of £5813.33.
22 NOV 2010: CCA received from EGG to DMP Company.
9 FEB 2011: First letter requesting CCA sent to Aktiv Kapital.
11 FEB 2011: CCA received from Aktiv Kapital.
6 MAR 2011: Copy of CCA sent to Niddy.
7 MAR 2011: Niddy's confirmed as under s.18. He has also advised me to reclaim the £8K of PPI which I was told I 'had to take out otherwise couldn't have the loan'. Have posted a thread in the Reclaiming section of forum.
8 MAR 2011: CCA Query - Missing Prescribed Terms Letter sent to Aktiv Kapital.
8 MAR 2011: SAR Request Letter sent to EGG.
14 MAR 2011: Letter from Aktiv acknowledging receipt of my letter.
16 MAR 2011: Letter from Aktiv stating that copy agreement previously sent represents legally binding contract therefore they have complied with CC Act 1974. As is readily apparent, this transaction was undertaken online and placing a tick in a box represents your signature. This is clearly stated in the form which is recognised by the OFT. Contrary to your assertions, this agreement is not unenforceable but in any event this would be a matter for the Courts to determine. For our part, proceedings are not contemplated since we are receiving payments from you via DMP Company. Haven't paid any monies to DMP for 2 months. Aktiv didn't send me my SAR or return my £10?
17 MAR 2011: Letter from EGG. Thank you for your recent request for a copy of phone calls/call transcripts. Please provide us with approximate dates, times and the nature of the calls. As part of the SAR, we will provide a copy of account notes which include call contact information.
23 MAR 2011: Letter from EGG. Thank you for recent request for an executed copy of a CA for XXXXXX with Egg Banking. We do not seem to have received the statutory fee of £1 from you for this request. Please send a cheque etc. I received the CCA on 11/02/11.
1 APRIL 2011: Letter to EGG responding to their letter from 17/03/11. Requesting hard copies of my full file. Will request transcripts in due course. Was advised by Niddy to check that PO had been cashed. Was cashed on 21/03/11.
MAY 2011: Received full file from EGG. Niddy says not to claim PPI back unless loan is deemed enforceable.
21 JUNE 2011: Phone call from Aktiv saying that I haven't replied to their letter from 16/03/11. I told them to put all correspondence in writing and to not call me.
22 JUNE 2011: Phone call from Aktiv saying that I haven't replied to their letter from 16/03/11. I told her that someone called me yesterday and I've asked for all correspondence to be made in writing. She asked me if I'd received the letter and I said no because I was put on the spot however after referring to my write up, I can see that I did get the letter. I told her that I didn't wish to receive any more phone calls from Aktiv as they're harassing me (I've had about 15 missed calls over the past week).

Hi Niddy - I don't know if I did the right thing here. Was put on the spot and panicked a bit as I haven't really had many phone calls until now. I'm guessing that this is where the fun begins?! What should I have done? What should I do now? Thanks a lot

[Never-In-Doubt]

Re: StressHead's UE Diary

If they ring you just hang up!! So it goes like this

Hello is miss stressed there?
Who's calling?
A dirty scummy dca
Brrrrrrrrrrrrr

How hard is that?

[StressHead]

Re: MINT Credit Card

MINT/RBS
Date commenced: July 2005
Approx balance: £1,609
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Nov 2008. No Default Notice received.
Account Owner: Letters to me were from Wescot. Account is still with MINT.

12 MAY 2010: Letter from DMP Company to Royal Bank of Scotland (MINT) requesting CCA.
3 JUNE 2010: CCA received from MINT to DMP Company.
9 FEB 2011: First letter requesting CCA sent to Wescot.
14 FEB 2011: Letter from Wescot saying that I need to request CCA from RBS.
17 FEB 2011: First letter requesting CCA sent to RBS.
9 MARCH 2011: End of 14 working days and no further response.
8 MARCH 2011: Dated 08.03.11 but received 12.03.11. CCA received from MINT.
1 APRIL 2011: Copy of CCA sent to Niddy.
4 APRIL 2011: Niddy has confirmed that this is . I'm going to try and blag it for a while though.
4 APRIL 2011: CCA Query - Missing Prescribed Terms letter sent to RBS.
07 APRIL 2011: Scribbled note from RBS on a compliments slip saying 'Please provide your clients 16 digit credit card number, we will then deal with accordingly. Many thanks'. I did quote their reference number on my letter but they've returned my letter to me along with the scribbled note with 'unable to trace' written on the top of the letter.
06 MAY 2011: Letter from Moorcroft 'We are agents of MINT (formerly RBS Advanta). Their records show account has balance of £1552.93. They have asked us to contact account holder to discuss the account and we were provided this address by a credit reference agency that supply us with address links based on information held. Please contact us to confirm the position and so we can make the appropiate (this is actually how they've spelt it! DUH!!) arrangements'.
26 MAY 2011: Letter from Moorcroft 'Possible Litigation'. Total debt if judgment is obtained... blah blah blah.
13 JUNE 2011: Letter from Moorcroft with Monthly Instalment Offer of £100. As we have not received any communication from you with regards to your outstanding account, we feel that you may not be in a position to meet our requests to clear the account in full. In order to stop our recommending to our clients that solicitors commence legal proceedings we are prepared to accept payments of £100 a month. Niddy says to ignore for now as they'll be a settlement offer to follow.
27 JUNE 2011: Letter from Midas Credit Services 'Litigation Warning'. We are part of the Moorcroft Group blah blah blah

Ignore still? I'm getting good at avoiding the calls now too, had lots of practise as I've received about 12 from 2 different dca's today! grrrr

[Deepie]

Re: StressHead's UE Diary

Threat by Creditor - To Commence Litigation
I would sending this

[MrsD]

Re: StressHead's UE Diary

I'd hang for Niddy to have a look as this one is enforceable, don't want to tip over the edge.

[StressHead]

Re: EGG Loan

EGG2 (Loan)
Date commenced: Sept 2006
Approx balance: £22,902
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Oct 2008. No Default Notice received.
Account Owner: Aktiv Kapital.

02 NOV 2010: Letter from Aktiv to me offering settlement figure of £5813.33.
22 NOV 2010: CCA received from EGG to DMP Company.
9 FEB 2011: First letter requesting CCA sent to Aktiv Kapital.
11 FEB 2011: CCA received from Aktiv Kapital.
6 MAR 2011: Copy of CCA sent to Niddy.
7 MAR 2011: Niddy's confirmed as under s.18. He has also advised me to reclaim the £8K of PPI which I was told I 'had to take out otherwise couldn't have the loan'. Have posted a thread in the Reclaiming section of forum.
8 MAR 2011: CCA Query - Missing Prescribed Terms Letter sent to Aktiv Kapital.
8 MAR 2011: SAR Request Letter sent to EGG.
14 MAR 2011: Letter from Aktiv acknowledging receipt of my letter.
16 MAR 2011: Letter from Aktiv stating that copy agreement previously sent represents legally binding contract therefore they have complied with CC Act 1974. As is readily apparent, this transaction was undertaken online and placing a tick in a box represents your signature. This is clearly stated in the form which is recognised by the OFT. Contrary to your assertions, this agreement is not unenforceable but in any event this would be a matter for the Courts to determine. For our part, proceedings are not contemplated since we are receiving payments from you via DMP Company. Haven't paid any monies to DMP for 2 months. Aktiv didn't send me my SAR or return my £10?
17 MAR 2011: Letter from EGG. Thank you for your recent request for a copy of phone calls/call transcripts. Please provide us with approximate dates, times and the nature of the calls. As part of the SAR, we will provide a copy of account notes which include call contact information.
23 MAR 2011: Letter from EGG. Thank you for recent request for an executed copy of a CA for XXXXXX with Egg Banking. We do not seem to have received the statutory fee of £1 from you for this request. Please send a cheque etc. I received the CCA on 11/02/11.
1 APRIL 2011: Letter to EGG responding to their letter from 17/03/11. Requesting hard copies of my full file. Will request transcripts in due course. Was advised by Niddy to check that PO had been cashed. Was cashed on 21/03/11.
MAY 2011: Received full file from EGG. Niddy says not to claim PPI back unless loan is deemed enforceable.
21 JUNE 2011: Phone call from Aktiv saying that I haven't replied to their letter from 16/03/11. I told them to put all correspondence in writing and to not call me.
22 JUNE 2011: Phone call from Aktiv saying that I haven't replied to their letter from 16/03/11. I told her that someone called me yesterday and I've asked for all correspondence to be made in writing. She asked me if I'd received the letter and I said no because I was put on the spot however after referring to my write up, I can see that I did get the letter. I told her that I didn't wish to receive any more phone calls from Aktiv as they're harassing me (I've had about 15 missed calls over the past week).
30 JUNE 2011: Letter from Aktiv with a copy of their letter from 16/03/11.

I've had more phonecalls which I'm ignoring. Do I need to reply to them regarding their letter from 16/03? Please refer to information above about what was in their letter in response to my CCA Query - Missing Prescribed Terms Letter sent on 08/03. Thank you!

[StressHead]

Re: MINT Credit Card

Ignore still? I'm getting good at avoiding the calls now too, had lots of practise as I've received about 12 from 2 different dca's today! grrrr

Hi Niddy - Are you around? Please can you let me know your thoughts on my next step for MINT? Thank you!

[Deepie]

Re: StressHead's UE Diary

Threat by Creditor - To Commence Litigation
I would still send this i no your blaggin it

[Never-In-Doubt]

Re: StressHead's UE Diary

Ignore still? I'm getting good at avoiding the calls now too, had lots of practise as I've received about 12 from 2 different dca's today! grrrr

I would sending this Threat by Creditor - To Commence Litigation

I concur, for the moment send the threat of litigation and see what happens

[Never-In-Doubt]

Re: MINT Credit Card

Hi Niddy - Are you around? Please can you let me know your thoughts on my next step for MINT? Thank you!

Hi, In2Deep already replied to you.... he now looks after the UE Diaries for us.

I agree with what he has posted, thus he's our appointed mod on these boards cos he knows his stuff...

[StressHead]

Re: StressHead's UE Diary

Ok, I had conflicting info from In2deep and evenlessdopey as she said I should wait for you (Niddy). So I'll send that letter to Mint and can someone let me know what to do about Egg Loan. Above it says that I should send them the same letter as Mint but they haven't threatened litigation? Thanks both. Really appreciate all the help!

[Deepie]

Re: StressHead's UE Diary

Ok, I had conflicting info from In2deep and evenlessdopey as she said I should wait for you (Niddy). So I'll send that letter to Mint and can someone let me know what to do about Egg Loan. Above it says that I should send them the same letter as Mint but they haven't threatened litigation? Thanks both. Really appreciate all the help!

ignore for now

[Never-In-Doubt]

Re: StressHead's UE Diary

ignore for now

Agreed, ignore Egg loan for the moment