The Dopeys' UE Diary

[MrsD]

Re: The Dopey's UE Diary

another one to-day

just when we started going down financially Mr Dopey got a letter from Citi to say that his account had been sold as part of the transfer by Citi of their Britsh CC accounts to CC Asset management. To-day he has received a letter saying that his credit card account will be transferred to CCAM but his agreement will be transferred to Bank of Scotland?????
they have also varied the agreement and put up the interest rate.
present status of Mr Dopey's card is that they have sent 3 sets of T&Cs and nothing else, we've sent them a final response.
Do I need to do anything???

[MrsD]

Re: The Dopey's UE Diary

OK another letter the s'morning

BoS Mr Dopey
sent CCA 31/07/10
24/08/10 received letter from BoS saying unable to trace credit agreement so would not enforce in court but would continue to chase us.
to-day received letter from Blair Oliver Scott (would that be Bank of Scotland????)
saying that they were professional debt collectors (professional??? I don't think so)
and that they want the money or they are going to call on us to "discuss" payment or the may take us to court or take any money we have in our account for the debt (£0)
do i sent sold while in dispute and enclose a copy of their previous letter/
What a ridiculous time wasting, money wasting excerise this is, why can't they just stick with what they said??

[MustGetStraigh]

Re: The Dopey's UE Diary

They wouldn't, would they? Surely not!! ;LOL

[MrsD]

Re: The Dopey's UE Diary

who? me?

[nanna58]

Re: The Dopey's UE Diary

how very dare you accuse ltsb odf lying ;-y :boobs1

[Elsie52]

Re: The Dopey's UE Diary

Surely not Dopey.....LTSB tell lies.....never.

[MrsD]

Re: The Dopey's UE Diary

Lloyds TSB - Mrs Dopey
31/07/10 sent CCA request
nothing received until end Sept when SCM sent nasty threaty letter
sent off "you never sent me anything"
now received letter saying they are passing my complaint to customer relations and it may take a few days - I just ignore this as well??

now received a two letters one saying our complaint has been refused...never actually made a complaint
and one telling me that although they can't find the agreement they have sent me a copy????but they have satisfied my request under S78. They have actually sent a set of recent T&Cs (£12 fees) and an agreement which has been typed up and photcopied and doesn't look anything like an origninal agreement, its very recent too, talking about £12 fees and th fact that they no longer give you a receipt for payment as this will cost £2. I am certain this is a very recent thing with lloyds so why would it be on an old credit agreement? had a look around and this no receipts thing looks to have started in 2010, could they have told me a LIE??????

[MrsD]

Re: The Dopey's UE Diary

matching letters from Barclaycard for Mr Dopey and I

sent CCAs 31/07/10
nothing, nada, zilch received
2 letters received saying our repayment arrangement is cancelled (er yes I cancelled it on 7th August actually......)
we must make payment or they will set mercers on us, who will default us, and a local debt collector calling at our home (I don't think so!) and they will then trash our credit file (aw sucks)
phone us NOW, we can help you!

guess I send the don't bother to call letter but do I include a reminder since they have never acknowledged our CCA request?

thanks in advance

[MrsD]

Re: The Dopey's UE Diary

ok not the loo wall, I will secret it in my superduper, multi efficient, 24 carot filing system!!!

[Never-In-Doubt]

Re: The Dopey's UE Diary

Excellent - that's one down - keep that letter safe, very safe! That doesn't need to go on the loo wall, that should go in the kitchen cupboard (pantry) lol ;LOL ;LOL

Well done :UE :UE

[MrsD]

Re: The Dopey's UE Diary

och Susie, they can phone till they are purple, we don't answer, I'm feeling gracious....................

[Susie]

Re: The Dopey's UE Diary

Great result, all you need to do now is change your phone number and peace shall reign!

[MrsD]

Re: The Dopey's UE Diary

Alliance and Leicester Mr Dopey
31/07/10 sent CCA request
two letters since then saying they are looking for it
7/10/10 letter to say they are going to default Mr Dopey for repeatedly breaking terms of agreement.
Muppets, guess I just ignore this one?

Just ignore this.....

Lovely honest letter from MBNA to-day re the above

"we have sent a copy of the original agreement, unfortunately the copy of the agreement that we have is incomplete, and at the moment, we are unable to provide a complete copy"
:UE
"While we try to locate this we confirm that we will not issue court proceedings against you to cover the amount but we will blah blah blah, hold the dog hostage, blah blah blah, phone you to extinction"

thank you Niddy, a result I think????
:UE

[MrsD]

Re: The Dopey's UE Diary

thank you Niddy

they're all bampots!!!!

[Never-In-Doubt]

Re: The Dopey's UE Diary

M&S Mrs Dopey
a plaintive wee letter asking me to explain why I think the application form is not enforceable, do I ignore or do you want to see this??? not bad for a week away, just a great many trees sacrificed to this load of baloney............

Just ignore it, it's not for you to do their job for them! God they make me mad!