The Dopeys' UE Diary

[Never-In-Doubt]

Re: The Dopey's UE Diary

mr Dopey's Lloyds account ccaed on 31st July 2010
they just sent an application form and two sets of typed t&cs, none of which appear in anyway attached to an agreement, they are just typed up stuff on white paper, could be anything really.
We have sent all of the advised letters down to a final response, everytime we write, they treat it as a complaint and we get a load of letters saying they are looking in to it and in fact agreed at one point and sent us £25 compo, yesterday we received three letters in the same post
one was a statement(they are adding around £300 per month) with an arrears notice attached at the back.
then there was a letter from the collections department telling us we can pay online
then there was another scabby threatening letter from MHA (part of Lloyds) saying they know we are in difficulties and are prepared to accept a minimum monthly payment of £387.65 !!!! saying this will be accepted if we have not increased the debt further! They are increasing it by that nearly every month!!!! and they have still never actually sent a properly executed CCA or answered a straight question!!! I am confused, help!

Don't worry, just ignore for the moment..... let them sell it on! Muppets. Have you had a DN yet?

I'll sort email tomorrow cos working all through the night again (yawn) - lots to do, not enuff hours so will batter out a few nights to get up to date

[MrsD]

Re: The Dopey's UE Diary

mr Dopey's Lloyds account ccaed on 31st July 2010
they just sent an application form and two sets of typed t&cs, none of which appear in anyway attached to an agreement, they are just typed up stuff on white paper, could be anything really.
We have sent all of the advised letters down to a final response, everytime we write, they treat it as a complaint and we get a load of letters saying they are looking in to it and in fact agreed at one point and sent us £25 compo, yesterday we received three letters in the same post
one was a statement(they are adding around £300 per month) with an arrears notice attached at the back.
then there was a letter from the collections department telling us we can pay online
then there was another scabby threatening letter from MHA (part of Lloyds) saying they know we are in difficulties and are prepared to accept a minimum monthly payment of £387.65 !!!! saying this will be accepted if we have not increased the debt further! They are increasing it by that nearly every month!!!! and they have still never actually sent a properly executed CCA or answered a straight question!!! I am confused, help!

[MrsD]

Re: The Dopey's UE Diary

thanks Niddy, had to wind up scanner, it was on a go slow. winging to you now.

[Never-In-Doubt]

Re: The Dopey's UE Diary

We run! That's what lol

Serious, can u email me the default notice please? Plus the actual balance owed.

[MrsD]

Re: The Dopey's UE Diary

OK Dopey is dopey tonight
this wasn't my RBS card but my Mint card, they don't call it Mint, they called it RBS (which it is really) unfortunately this one was enforceable, haven't heard a thing since August when we wrote back blagging on prescribed terms, now what?

[Never-In-Doubt]

Re: The Dopey's UE Diary

Hiya

Did they sign for the last letter? If so, ignore - you have proof. If not, let me know - may have to do a niddy spesh lol

[MrsD]

Re: The Dopey's UE Diary

Hiya,
Loads of letters all been lost in post
scariest first
From Allied International Credit
Mrs Dopey RBS
sent CCA July 2010
received back in September a blatent forgery, wasn't even my writing and had erroneous info on it.
Sept sent "you sent a forgery detailing how they had made it up!
received to-day letter dated 2nd Dec
"Urgent Final Notice of Intent"
threatening us with court, unfortunately the right court.
they also say they have written numerous times (liars!!!)
Do you need to see this or do I send sold while in dispute?
You don't need to send it, it's fine. You can respond with the following (send it recorded): ---> viewtopic.php?p=2319#p2319

As for them having the right court, wow! Doesn't mean much really cos they can guess that with your address lol. It doesn't change the fact they cannot take action against a disputed unenforceable account!

Hi Niddy

Just received this letter again from AIC, still maintaining I haven't contacted them and threatening all and sundry, its headed Urgent Final Notice of Intent, have sent the recommended letter the last time and haven't heard anything else. This is the one that RBS made up the agreement, not sure what to send??
thanks

[Never-In-Doubt]

Re: The Dopey's UE Diary

Will I just ignore all this rubbish???

Yea, and sort your MBNA defence lol - that'd be good! Bear in mind i'm not always here and it is due soon, like a week or so - and i'm away most next week

[MustGetStraigh]

Re: The Dopey's UE Diary

on top of all the rest of the shyte, Lloyds TSB have sent Mr Dopey another two letters apologising because we had to complain (???????) and they are going to look into it again???
and get back to us
maybe they are going to send us another couple of cheques for £25, may get this debt paid off in £25 chunks...............
I think we are on some sort of bizarre complaining roundabout, though we've never actually complained..........
Will I just ignore all this rubbish???

I guess, as long as they keep sending you £25 cheques, yes ignore it!!!!

[MrsD]

Re: The Dopey's UE Diary

on top of all the rest of the shyte, Lloyds TSB have sent Mr Dopey another two letters apologising because we had to complain (???????) and they are going to look into it again???
and get back to us
maybe they are going to send us another couple of cheques for £25, may get this debt paid off in £25 chunks...............
I think we are on some sort of bizarre complaining roundabout, though we've never actually complained..........
Will I just ignore all this rubbish???

[scarednshakin]

Re: The Dopey's UE Diary

Hi, just catching up as had no internet for a week, well done, it is really good news. Loved the story of your visit, he he bet he won't be back to see you

[Susie]

Re: The Dopey's UE Diary

VERY well done, great result and hopefully karma will bite the bully on the backside

[billypre]

Re: The Dopey's UE Diary

Well done. Workplace bullying is disgraceful and needs stamped out. Good Luck.

[MustGetStraigh]

Re: The Dopey's UE Diary

Keep hanging on in there! See, told you it would be a better day

[LooLoo]

Re: The Dopey's UE Diary

Well done..... I know it has been such a rough couple of weeks hun

xxxxxx