Re: Spector UE Diary
Hi and welcome
You need to send a copy of the CCa you received to never in doubt at this link webmaster@all-about-debt.co.uk
Please put your user name and if possable a link to this thread in the subject heading, please don't edit anything out AAD are DPA regulated and only Niddy will see it
we also had a TSB card they have admitted that they don't have any paperwork for it as it is so old. most probably the same with yours
NW xx
PS>it can sometimes take a while for him to check when you upload it to the site
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Spector UE Diary
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Re: Spector UE Diary
Thank you Susie
I have uploaded an unedited copy of the CCA using the forum uploader form. Should I have emailed Niddy instead?
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Re: Spector UE Diary
Welcome to AAD diaries
to start with I think I would email a totally unedited copy of the CCA that you received to Niddy and see what he says about it.
Hopefully it will lead to a long time of not hearing anything!
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Re: Spector UE Diary
Account 2
Trustcard (Cabot)
Type of account: Visa Credit Card
Date commenced: March 1996
Approx balance: 9,600
Date last FULL payment: approx early/mid-2003
Current arrangement: £7 per month (ceased September 2014)
Status: Default registered Oct 2010
Account owner: Cabot
August 2013: submitted CCA request
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Re: Spector UE Diary
Account 1
RBS Advanta (Mint)
Type of account: Visa Credit Card
Date commenced: March 2000
Approx balance: 9,600
Date last FULL payment: approx early/mid-2003
Current arrangement: £7 per month
Status: Default registered Feb 2004
Account owner: RBS
May 2016: submitted CCA request
May 2016: copy of application / credit agreement received from RBS
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Spector UE Diary
Background
I have had severe financial problems since 2002/3 as a result first of being made redundant and then being swindled in business. Stress and health problems have exacerbated the situation.
I was left with lots of debt including a number of credit cards with high balances.
I entered into private arrangements to pay back nominal sums to each of them, which continued until quite recently.
I currently have two credit card debts.
In 2013 I offered RBS a full and final settlement of my RBS Advanta (Mint) credit card (20% of the outstanding amount – my family wanted to help me out because they were worried that the stress was affecting my health).
RBS messed me about for a while but eventually declined the offer.
I repeated the offer at the end of 2015 but they ignored my letter.
Earlier this month I sent off CCA and SAR letters to RBS. Today, I received the credit agreement back which is why I’ve started this thread.
I have to be honest and say that if the credit agreement is unenforceable I am not sure what I want to do.
If it twisted their arm to accept the full and final offer I’d be pleased to see an end to it all but I don’t know how fair this would be on my family who would have to find the money – none of them are well off.
In addition I have a Lloyds TSB Trustcard account that was sold to Cabot in 2012. I submitted a CCA request in August 2013 but have received nothing back from Cabot other than an acknowledgement. I carried on paying Lloyds £7 pm until Sept 2014 but have now stopped those payments. I haven’t heard anything from Cabot and have no intention of reawakening them.
So I am sort of tentatively setting off on the unenforceable trail without really knowing where it will lead.Tags: 2012, 2015, cabot, cca, cca request, con, credit, credit agreement, credit cards, debt, debts, family, financial, full and final, letter, lloyds, money, payments, private, problems, rbs, sar, tsb, ue diary, unenforceable
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