Roger UE Diary

[Never-In-Doubt]

Re: Roger UE Diary

Wescott letter received Intelligent Finance (Halifax)
"We have written to you on several occasions asking you to contact us, however to date we have not received a response. In an attempt to close thios matter our client has agreed we can offer you a discount to settle this account .." ".. We have previously outlined the benefits of contacting us, however should you choose not to our client has instructed us to continue seeking recovery of the full balance"
I presume DON'T reply!
Have added to the Diary entry !

Send Wescott a CCA Request --> http://forums.all-about-debt.co.uk/s...l=1#post495038

[Never-In-Doubt]

Re: Roger UE Diary

Right and AAD would want me to do this for All pre 2007 in my Diary using AAD template?

Yes otherwise we cannot hit them with s.78 breaches if a claim is issued and it will delay things and could result in a loss.

I would definitely CCA all pre-2007 accounts, yes mate.

Template --> http://forums.all-about-debt.co.uk/s...l=1#post495038

[Roger]

Re: Roger UE Diary

No - mate, they cannot be in default of s.78 if you never requested it and paid the fee. You must instigate it so you must send a formal s.78 request for any credit accounts that you have other than those that Jo is dealing with.

It is upon the request being received that gives you rights. Whether they cash the payment or send it back matters little. The fact is you must make a valid request before they can be in breach so if they volunteer a s.78 then it is the same as if you never applied so send one asap.

I don't need to see the old one as it is quite irrelevant and should be ignored for now.

Right and AAD would want me to do this for All pre 2007 in my Diary using AAD template?

[Never-In-Doubt]

Re: Roger UE Diary

Hi Niddy
I have never myself asked for s.78.
May 2014 Halifax ".. By providing the documents attached to this letter, we have satisfied our obligation our provide a copy of the executed agreement under Section78.."
I will send you copy of this.

No - mate, they cannot be in default of s.78 if you never requested it and paid the fee. You must instigate it so you must send a formal s.78 request for any credit accounts that you have other than those that Jo is dealing with.

It is upon the request being received that gives you rights. Whether they cash the payment or send it back matters little. The fact is you must make a valid request before they can be in breach so if they volunteer a s.78 then it is the same as if you never applied so send one asap.

I don't need to see the old one as it is quite irrelevant and should be ignored for now.

[Roger]

Re: Roger UE Diary

Have you done a CCA Request before? If so when and what was sent back?

Hi Niddy
I have never myself asked for s.78.
May 2014 Halifax ".. By providing the documents attached to this letter, we have satisfied our obligation our provide a copy of the executed agreement under Section78.."
I will send you copy of this.

[Never-In-Doubt]

Re: Roger UE Diary

Wescott letter received Intelligent Finance (Halifax)
"We have written to you on several occasions asking you to contact us, however to date we have not received a response. In an attempt to close thios matter our client has agreed we can offer you a discount to settle this account .." ".. We have previously outlined the benefits of contacting us, however should you choose not to our client has instructed us to continue seeking recovery of the full balance"
I presume DON'T reply!
Have added to the Diary entry !

Have you done a CCA Request before? If so when and what was sent back?

[Roger]

Re: Roger UE Diary

Wescott letter received Intelligent Finance (Halifax)
"We have written to you on several occasions asking you to contact us, however to date we have not received a response. In an attempt to close thios matter our client has agreed we can offer you a discount to settle this account .." ".. We have previously outlined the benefits of contacting us, however should you choose not to our client has instructed us to continue seeking recovery of the full balance"
I presume DON'T reply!
Have added to the Diary entry !

[Roger]

Re: Roger UE Diary

Reference my HSBC Credit Card

When setting our my UE Diary I thought well there is no point in including this Card!
But:
1/ It is part of my Creditors Portfolio
2/ It has permitted a Review, Discussion and Autopsy.

I have discovered that I was completely misinformed by the OC over the matter of a CCJ. Discovering that alone has been a great Relief!
I can also see that I over thought the problems which happens if you work alone and in isolation.
Niddy's is right..

[Roger]

Re: Roger UE Diary

Reference my HSBC Credit Card
Niddy suggested that I check the CCJ status, which I did and I was wrong! I do NOT have a CCJ.
The reason is a misleading exchange of Letters from HSBC. Their reply after the cut date for CCJ was misleading to say the least!
I have updated the record.
What is very clear is that if I had joined AAD earlier I am pretty certain that Card was UE.

[Never-In-Doubt]

Re: Roger UE Diary

Agreed. It's a bloody mess right enough

[Roger]

Re: Roger UE Diary

Try & think back to this because as I recall the bank (at their discretion) used to order certain customers the credit cards and then write to you and say to come into the bank to collect the cards. I had that when I went from from Access (Natwest branded on the back - it mentioned national Westminster bank) to Midland Bank (my bank) (around 1995/6). I got a letter saying to go to branch so I went and they opened two envelopes, both had a card & booklet. They made me sign for each card and explained the rate and repayments. I had £500 on the account and thought I had a grand. It wasn't. It shared the limit - that's why I remember. My access limit was at £350 when it closed down (the month before I got midland bank credit cards).

My access card was a chargecard. It had to be paid in full monthly and there was no cash option or pin. Although my Access card was issued via Midland it was national Westminster branded but paid via midland account. It was linked to interbank or something weird anyway.

I know it was sent in 1998/9 and I certainly didn't go into a branch! The problem is the HSBC current people no nothing of former branch practices, other than what they are told. They knew nothing of upgrades! The generation that knew this have long since gone! The financial world has changed beyond recognition.

[Never-In-Doubt]

Re: Roger UE Diary

Read back the last page & note my posts. See where I'm going? Im not interested in original Access or its inception. Right now, key *ought to be* the upgrade in the 90's via Midland Bank. There never was an auto-upgrade from Access -> Visa so you must be issued new terms (one for visa & one for MasterCard) and signed for the card(s) (application) in line with the Prescribed Terms. Clearly this did not occur so s.60/61 CCA kicks in.

Anyway, see what Jo says tomorrow. I'm off to watch telly for a bit.

Try & think back to this because as I recall the bank (at their discretion) used to order certain customers the credit cards and then write to you and say to come into the bank to collect the cards. I had that when I went from from Access (Natwest branded on the back - it mentioned national Westminster bank) to Midland Bank (my bank) (around 1995/6). I got a letter saying to go to branch so I went and they opened two envelopes, both had a card & booklet. They made me sign for each card and explained the rate and repayments. I had £500 on the account and thought I had a grand. It wasn't. It shared the limit - that's why I remember. My access limit was at £350 when it closed down (the month before I got midland bank credit cards).

My access card was a chargecard. It had to be paid in full monthly and there was no cash option or pin. Although my Access card was issued via Midland it was national Westminster branded but paid via midland account. It was linked to interbank or something weird anyway.

[Roger]

Re: PRA GROUP (UK) LIMITED ( HOWELL JONES LLP ) v Roger - Issued 1 December 2015

See above. My last post!

BIN matters little. You're arguing about unlawful inception of the upgraded cards.

STOP TYPING AND GO BACK TO PREVIOUS PAGE AND READ MY POSTS

Go and watch the Telly Yes I do see and agree! Thanks!!

[Never-In-Doubt]

Re: PRA GROUP (UK) LIMITED ( HOWELL JONES LLP ) v Roger - Issued 1 December 2015

And they can't issue section 9! The 1976 date is the red herring. Can prove the 90's because the BIN card Number!! Which I actually spoke off at the Trial. This Card dates from 90's because HSBC BIN number didn't exist before!

See above. My last post!

BIN matters little. You're arguing about unlawful inception of the upgraded cards.

STOP TYPING AND GO BACK TO PREVIOUS PAGE AND READ MY POSTS

[Never-In-Doubt]

Re: Roger UE Diary

Read back the last page & note my posts. See where I'm going? Im not interested in original Access or its inception. Right now, key *ought to be* the upgrade in the 90's via Midland Bank. There never was an auto-upgrade from Access -> Visa so you must be issued new terms (one for visa & one for MasterCard) and signed for the card(s) (application) in line with the Prescribed Terms. Clearly this did not occur so s.60/61 CCA kicks in.

Anyway, see what Jo says tomorrow. I'm off to watch telly for a bit.