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  • creditcritter`s UE Diary

    I have a number of creditors not proud off it , i will stick to the purpose off the diary & will not dwell on the cause mainly too cocky on the stock market & lost now it is a real worry for the rest of my life causing great stress & a heavy strain on my marriage , private debts mainly credit cards & loans amounting to approx £86000 & growing everyday thanks to dca interest & charges also some other debts as a sole trader they where a knock on effect off my personal , still self employed & keeping upwith the bills due from it just , the dca`s have no sympathy for me & i will treat them with contempt they deserve, it will be a long complicated road but i have now begun to tackle it , early success with AK goldfish account written off approx £4000 time retail written off £222 , i will tackle them in batches i have files set up , with your help Niddy iwould like to send you a couple off alledged agreements at a time, the re constituted agreements puzzle me the most , how can a random judge over rule the OFT guidelines , will a shadey recon stand u in court?

    Ok, my debts are as follows (click for the link to the post):
    1. Barclaycard
    2. CitiCard
    3. Monument
    4. Goldfish 1
    5. Northern Rock
    6. Vanquis
    7. RBS
    8. GE Money
    9. Goldfish 2
    10. Goldfish 3
    11. Capital One
    12. Sainsburys (HBOS)
    13. MBNA 1
    14. HFC Beneficial
    15. First Direct
    16. MBNA 2
    17. MBNA 3
    18. If Card
    19. If Loan
    20. MBNA 4
    21. Nationwide
    22. Ulster Bank
    23. Tradepro Card
    Last edited by Never-In-Doubt; 6 June 2011, 07:36. Reason: Niddy tidying things up

  • #2
    Re: creditcritter`s ue diary

    Barclaycard
    • credit card
    • date commenced 2004
    • amount £2363.98
    • dmp started 06/06 pro rata payments started
    • passed to NCO 12/03/07
    • passed back to Barclays 2010

    History:
    cca request sent February
    re con sent plain sheet with my name & address recieved 18/04/2011
    a blank application form
    terms & conditions
    sent letter saying they have not fullfiled my cca request
    letter recieved by return saying they have fullfilled there obligation & it is there final response
    uploaded to Niddy 11/06/2011
    Niddy says unenforceable
    Last edited by creditcritter; 23 June 2011, 08:44.

    Comment


    • #3
      Re: creditcritter`s ue diary

      CitiCard
      • Type of account : credit card
      • date commenced : 2004
      • Approx balance: £3604.00
      • dmp started 06/06 pro rata payments started
      • passed to Cabot 2010

      History:
      CCA request sent February
      several letters saying having trouble obtaining the info i require
      re con recieved 10/05/2011
      uploaded toNiddy11/06/2011
      Niddy says unenforcable
      Last edited by creditcritter; 23 June 2011, 08:54.

      Comment


      • #4
        Re: creditcritter`s ue diary

        Monument
        • Type of account: Credit Card
        • Date commenced:2004
        • Approx balance: £6095
        • dmp started 06/06 pro rata payments started
        • pased to Cabot 2010
        • Account owner: Cabot

        History:
        CCA requested February
        several letters saying information requested from oc
        recieved copy of rapid reply application form stamped subject to approval 22/03/2011
        plus some seperate terms & conditions
        they the debt is now enforcable to contact them
        sent letter they have not fulfiled my cca request 21/05/2011
        uploaded to Niddy 11/06/2011
        Niddy says unenforcable
        Last edited by creditcritter; 23 June 2011, 09:05.

        Comment


        • #5
          Re: creditcritter`s ue diary

          Goldfish 1
          • Type of account: Credit Card
          • Date commenced:approx 2004
          • Approx balance:£3280
          • dmp started 06/06 pro rata payments started
          • Account owner: Cabot

          History:
          CCA requested March
          letter recieved 18/04/2011 having trouble obtaining requested information account on hold
          sent letter saying they had not fulfilled my recca request 30/04/2011
          Last edited by creditcritter; 23 June 2011, 09:08.

          Comment


          • #6
            Re: creditcritter`s ue diary

            Northern Rock
            • Type of account: Loan
            • Date commenced:2004
            • Approx balance:£6952
            • dmp started 06/06 pro rata payments started
            • Account owner: NRAM

            History:
            CCA requested 2008 postal order sent & cashed
            no reply several several phone calls to Eversheds chasing it up very unhelpfull
            new request sent with postal order 07/03/ 2011
            reply sent from Faifax Solicitors ?
            account returned to Northern to Northern Rock please send them the dmp payments further CCA request sent to Northern Rock 21/05/2
            CCA recieved 20/06/2011 will send to Niddy for checking
            Last edited by creditcritter; 23 June 2011, 09:16.

            Comment


            • #7
              Re: creditcritter`s ue diary

              Vanquis
              • Type of account : credit card
              • Date commenced : 2005
              • Approx balance : £2268
              • added to dmp 2010 pro rata payments started
              • Account owner : 1st credit

              History
              reason for adding to dmp my wife has joined my plan
              cca requested 21/05/2011
              Last edited by creditcritter; 23 June 2011, 09:23.

              Comment


              • #8
                Re: creditcritter`s UE Diary

                RBS
                • Type of account :credit card
                • Date commenced : 2005
                • approx balance : £4941
                • dmp started 06/06 pro rata payments started
                • account owner : AIC

                History:
                application form agreement recieved
                Niddy says enforcable
                Last edited by creditcritter; 23 June 2011, 09:28.

                Comment


                • #9
                  Re: creditcritter`s UE Diary

                  GE Money
                  • Type of account : store card
                  • Commenced : 2000
                  • Approx balance : £186
                  • Date Last paid : february
                  • Account owner : Aktiv Kapital

                  History:
                  declared UE by Aktiv Capital
                  Last edited by creditcritter; 23 June 2011, 09:29.

                  Comment


                  • #10
                    Re: creditcritter`s UE Diary

                    Goldfish 2
                    • Type of account : credit card
                    • Commenced : 2003
                    • Approx balance : £2762
                    • Date last paid : February

                    History:
                    declared UE by Aktiv Kapital
                    Last edited by creditcritter; 23 June 2011, 09:29.

                    Comment


                    • #11
                      Re: creditcritter`s UE Diary

                      Goldfish 3
                      • Type of account : credit card
                      • Date commenced : 2003
                      • Approx amount : £2954
                      • dmp started 06/06 pro rata payments started

                      History:
                      cca requsted March several letters saying information requested from oc
                      Last edited by creditcritter; 23 June 2011, 09:34.

                      Comment


                      • #12
                        Re: creditcritter`s UE Diary

                        Capital One
                        • Tye of account : credit card
                        • Commenced : 23/11/01
                        • Approx amount : £4704
                        • dmp started 06/06 pro rata payments started
                        • Account owner :Capital One

                        History:
                        application signature form recieved with very lengthy type written terms & conditions
                        uploaded to Niddy 11/06/2011

                        Last edited by creditcritter; 23 June 2011, 09:36.

                        Comment


                        • #13
                          Re: creditcritter`s UE Diary

                          Sainsburys Bank
                          • Type of account : credit card
                          • Commenced : 19/03/0
                          • Approx amount : £4464
                          • dmp started 06/06 pro rata payments started

                          History:
                          cca requested application form / agreement recieved
                          Last edited by creditcritter; 23 June 2011, 09:38.

                          Comment


                          • #14
                            Re: creditcritter`s UE Diary

                            MBNA 1
                            • Type of account : credit card
                            • Commenced :17/10/03
                            • Approx amount :£6905
                            • dmp started 06/06 pro rata payments started
                            • Account owner :Experto Credite

                            History:
                            cca requested standard Mbna signature form recieved
                            Last edited by creditcritter; 23 June 2011, 09:39.

                            Comment


                            • #15
                              Re: creditcritter`s UE Diary

                              HFC Beneficial bank
                              • Type of account : credit card
                              • Commenced : circa 2003 ?
                              • Approx amount :£8211
                              • dmp started 06/06 ro rata payments started:
                              • Account owner : HFC

                              History:
                              inhibition in place , this happened before i had proper knowledge of my rights , poor recon recieved since
                              Last edited by creditcritter; 23 June 2011, 09:43.

                              Comment

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