Butterfly's UE Diary

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

Hi Niddy,

My last agreement should be in your email
for checking Halifax One credit card. Thanks so much

Butterfly

This is enforceable as it is a signed agreement clearly showing the prescribed terms etc.....

You have two choices, arrange repayment or blag it and see what they do next? if you decide to blag it then send this back: ---> CCA Query - Missing Prescribed Terms

[Butterfly]

Re: Butterfly's Unenforceable Diary

Hi Niddy,
Thanks for your speedy reply

Total Unenforceable debt £23,615 made up of
£9094 HSBC cc
£5199 Mint cc
£9322 Capital 1 cc

Total Enforceable debt £19,041 made up of
£6,675 HSBC Loan
£4637 HSBC Loan
£1864 HSBC o/d £13,060 HSBC with DG Sols which you said earlier to
offer payment of £50 pm. So I will offer this.

£2440 Halifax o/d with Iqor. Should I offer £20 pm?
£3425 Halifax 1 cc with Moorcroft. Should I offer £20 pm?

Thanks for your help. Butterfly

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

£2440 Halifax o/d with Iqor. Should I offer £20 pm?
£3425 Halifax 1 cc with Moorcroft. Should I offer £20 pm?

Can do, alternatively hold fire for now and consider a dmp at the end when you have them all back (or do you already?).....

[Butterfly]

Re: Butterfly's Unenforceable Diary

Hi Niddy,
yes they (CCAs) are all back now .I will let you know when I get any letters back or too many phone calls

Thanks Niddy

Butterfly

[Butterfly]

Re: Butterfly's Unenforceable Diary

Hi Niddy,

2 Letters recd this week:
Cap 1 saying final response Cap 1 cc UE
Metropolitan saying enforceable HSBC cc UE

Do I need to send any replies or just file away?

Thanks
Butterfly

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

Hi Niddy,

2 Letters recd this week:
Cap 1 saying final response Cap 1 cc UE
Metropolitan saying enforceable HSBC cc UE

Do I need to send any replies or just file away?

Thanks
Butterfly

Just ignore both - it's fine! File them away.....

[Butterfly]

Re: Butterfly's Unenforceable Diary

Hi Niddy

Thanks for your last post.
Letter recd Fredrickson 30/4/11 Letter before Action re: Capital One cc (ue)
Letter recd from Mint 30/4/11 Final Response re: Mint cc (ue)
Letter recd from Moorcroft 30/4/11 indended litigation on the same Mint cc (ue)

Do I need to send any replies or just file away please?

Thanks Butterfly

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

Hi Niddy

Thanks for your last post.
Letter recd Fredrickson 30/4/11 Letter before Action re: Capital One cc (ue)
Letter recd from Mint 30/4/11 Final Response re: Mint cc (ue)
Letter recd from Moorcroft 30/4/11 indended litigation on the same Mint cc (ue)

Do I need to send any replies or just file away please?

Thanks Butterfly

One update = One post please!!

Fredrickson (Crappy1) - send this: ---> Threat-o-Gram - Letter before Action
Moorcroft (Mint) - send this: ---> Threat by Lender/D.C.A - To commence litigation

[Butterfly]

Re: Butterfly's Unenforceable Diary

Hi Niddy
Thanks. Letters sent off today and diary updated.
Received a big yellow card from Fredrickson today 9/5/11 saying Confirmed Resident. Pay or we will pass to Solicitors for immediate litigation.
I assume I just file this as I have sent them Threat o Gram Letter before Action today
Thanks Butterfly

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

Hi Niddy
Thanks. Letters sent off today and diary updated.
Received a big yellow card from Fredrickson today 9/5/11 saying Confirmed Resident. Pay or we will pass to Solicitors for immediate litigation.
I assume I just file this as I have sent them Threat o Gram Letter before Action today
Thanks Butterfly

Yep just ignore - it's crossed in the post.

Sorry, can you confirm the above - they sent a postcard that ANYONE could see, threatening you with litigation? Please be specific here, was it in an envelope or hand delivered by a rep - what? If they sent that through royal mail you can get compo as they CANNOT advertise to all and sundry that you're in debt, like in my village my postie is my neighbour - imagine if they sent me one, he'd know and so would half my village thus it is not acceptable for them to do this!

[Butterfly]

Re: Butterfly's Unenforceable Diary

Hi Niddy
The big yellow card from Fredrickson was in an envelope with just my name & address showing, delivered by Royal Mail.
Thanks Butterfly

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

Hi Niddy
The big yellow card from Fredrickson was in an envelope with just my name & address showing, delivered by Royal Mail.
Thanks Butterfly

Bugger - that was their saving grace really - I thought (and hoped) that it was sent like that through the mail so all and sundry could read it then you'd have em by the balls....

Ok, back to original plan - ignore em!

[Pixie]

Re: Butterfly's Unenforceable Diary

Hi Niddy
Thanks. Letters sent off today and diary updated.
Received a big yellow card from Fredrickson today 9/5/11 saying Confirmed Resident. Pay or we will pass to Solicitors for immediate litigation.
I assume I just file this as I have sent them Threat o Gram Letter before Action today
Thanks Butterfly

I don't know why Fredrickson's like to do this. As if you don't know that you're a resident there!

[Never-In-Doubt]

Re: Butterfly's Unenforceable Diary

I don't know why Fredrickson's like to do this. As if you don't know that you're a resident there!

They are idiots, like most the other DCA's out there!

[Butterfly]

Re: Butterfly's Unenforceable Diary

Thanks Pixie and Niddy for your posts

received letter from Fredrickson International dated 13/5/11 if you require documentation under cca 1974 request from Capital 1 for fee of £1.
(re: Capital 1 cc un). Do I just file this away? Thanks.

Butterfly