Westham1 UE diary

[The Tech Clerk]

Re: Westham1 UE diary

understand - but as experiances people on here know follow what is suggested, do not want to go to court Who does? but these companies are the pits and could not care in the least your feelings they are tory lead profit profit profit, hence we challenge their right to anything from you, and that what they say they are entitled to is correct. court system appearance if ever is a long way off just follow adive etc on here

[Westham1]

Re: Westham1 UE diary

Thanks for your replies.
I agree that I shouldn't do their job for them or give them a chance to rectify their mistakes, but I don't want to have to go to court so I would rather get this sorted beforehand.
Surely they can't be so thick as to think that they have sent me the relevant cca, but if they are then maybe it would be helpful to point it out.
It should be fairly obvious that their argument wouldn't hold up in court, but I don't want to be there to witness it.

[nanna58]

Re: Westham1 UE diary

Schtum !!!!!!!!!!!

[cymruambyth]

Re: Westham1 UE diary

Just send the letter without any additions. It is written to keep you protected. Don't tell them anything that could be rectified.

[The Tech Clerk]

Re: Westham1 UE diary

the letter is all that is needed no amendments what soever do not do their job for them - they are ther nasties remember that

[Roger]

Re: Westham1 UE diary

If I send the LBA letter, should I add to it that the cca they have sent me is an application signed by me for a Barclaycard account which I opened in 2008 and was settled before it was closed in October 2014.Should I also point out that the account which they have have bought from Barclaycard shows on my credit report as having been opened in 2005 and was defaulted in December 2014, and that the T&c’s they have sent me seem to relate to an Egg card.

Don't acknowledge the Debt (you would be doing this if you mentioned account details sic opened 2008 etc..).
I wouldn't add anything, least said the better!

[Westham1]

Re: Westham1 UE diary

If I send the LBA letter, should I add to it that the cca they have sent me is an application signed by me for a Barclaycard account which I opened in 2008 and was settled before it was closed in October 2014.Should I also point out that the account which they have have bought from Barclaycard shows on my credit report as having been opened in 2005 and was defaulted in December 2014, and that the T&c’s they have sent me seem to relate to an Egg card.

[Roger]

Re: Westham1 UE diary

1st Credit
Account -formerly an Egg Account opened in 2005, transferred to Barclaycard in 2011 or 2012
May 2017
Letter from 1st Credit which was a copy of the one they sent in 2015 (see post #1).
They also enclosed a cca which they said satisfied my request in the letter I had sent.
However this cca was a copy of an application I made to Barclaycard in 2008., and the t&c's were from the Egg application.
The only account I opened with Barclaycard was the one in 2008 which was closed a couple of years ago with no issues.

8th June 2017
Another letter from 1st Credit threatening that County Court proceedings are being considered and that I need to contact them within 10 days (letter dated 2nd June).

Any advice would be appreciated.

Might be useful to send Barclaycard a SAR !!

1st Credit I would simply send them the New LBA Letter New LBA Response -

[Westham1]

Re: Westham1 UE diary

Did you send a response to their May letter?

If not there is a T&C's Received letter which may suit the situation. See what others think first.

No, I didn't reply.

[Still Waving]

Re: Westham1 UE diary

Did you send a response to their May letter?

If not there is a T&C's Received letter which may suit the situation. See what others think first.

[Westham1]

Re: Westham1 UE diary


1st Credit
Account -formerly an Egg Account opened in 2005, transferred to Barclaycard in 2011 or 2012

May 2017

Letter from 1st Credit which was a copy of the one they sent in 2015 (see post #1).
They also enclosed a cca which they said satisfied my request in the letter I had sent.
However this cca was a copy of an application I made to Barclaycard in 2008., and the t&c's were from the Egg application.
The only account I opened with Barclaycard was the one in 2008 which was closed a couple of years ago with no issues.

8th June 2017
Another letter from 1st Credit threatening that County Court proceedings are being considered and that I need to contact them within 10 days (letter dated 2nd June).

Any advice would be appreciated.

[Pip]

Re: Westham1 UE diary

That's nice. I'll probably be getting one of those. I have a long-term goal, but they won't like it.
Late Edit: Mine has just arrived. Something new on the letter - alongside my address there is a Zone reference. Don't know what it means.

Snap! I got the same one yesterday as well.

[Still Waving]

Re: Westham1 UE diary

That's nice. I'll probably be getting one of those. I have a long-term goal, but they won't like it.


Late Edit: Mine has just arrived. Something new on the letter - alongside my address there is a Zone reference. Don't know what it means.

[Westham1]

Re: Westham1 UE diary

Letter from Cabot, giving an illustrative example of paying off £1000 in 2 years or 5 years.
Very informative, thanks very much I'll bear that in mind.
They say that any solution they can offer will be based on any goals I may have to repay my account.

[nightwatch]

Re: Westham1 UE diary

Another letter from Cabot. They are hoping a new approach could help me be free of this debt.
Their goal is to understand what works best for me.

It seems no reply is working best for you, they should have noticed that by now