The Dopeys' UE Diary

[Never-In-Doubt]

Re: The Dopey's UE Diary

Capital One Mr Dopey
31/07/10 sent CCA
Sept sent t&cs and bad photocopy of Mr Dopey's signature on a wee bit of paper, but nothing else to prescribed terms or anything so I sent "you've only sent t&cs"
28th Sep 2010 received letter "their final response saying it is enforceable and we haven't told them why it isn't!!! they also go on to more or less say that Carey allows them to do what the hell they like and prescribed terms can be imagined on the back of the application form.

I guess I ignore this or send my final response??? more muppets

You ignore it....... it is their final response!

[Never-In-Doubt]

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??

LOL, just ignore yep! 1

[Never-In-Doubt]

Re: The Dopey's UE Diary

Citi Mr Dopey
31/07/10 sent CCA request
throughout Aug 10/Sept 10 received three copies of t&cs
sent "you've only sent T&Cs" twice
finally sent final response
received a letter on 5th Oct 10 saying this is definitely enforceable as they have sent everything they need to under S78 and clarified under the Carey judgement. Received agreement termination on 6th Oct 10
nothing mentions court action just the usual threat stuff about trashing our creditworthiness - muppets???

Just ignore, nothing changed here...

[Never-In-Doubt]

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.....

[MrsD]

Re: The Dopey's UE Diary

Back again

nothing looks too scary..........

three letters from assorted BoS accounts for both us saying they have lost our phone number and would we phone......eh NO

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?


Citi Mr Dopey
31/07/10 sent CCA request
throughout Aug 10/Sept 10 received three copies of t&cs
sent "you've only sent T&Cs" twice
finally sent final response
received a letter on 5th Oct 10 saying this is definitely enforceable as they have sent everything they need to under S78 and clarified under the Carey judgement.
received agreement termination on 6th Oct 10
nothing mentions court action just the usual threat stuff about trashing our creditworthiness - muppets???

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??

Capital One Mr Dopey
31/07/10 sent CCA
Sept sent t&cs and bad photocopy of Mr Dopey's signature on a wee bit of paper, but nothing else to prescribed terms or anything
sent "you've only sent t&cs"
28th Sep 2010 received letter "their final response saying it is enforceable and we haven't told them why it isn't!!!
they also go on to more or less say that Carey allows them to do what the hell they like and prescribed terms can be imagined on the back of the application form.

I guess I ignore this or send my final response??? more muppets

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............

[MrsD]

Re: The Dopey's UE Diary

hey, its the most interesting wall in the house Nanna!!!

[nanna58]

Re: The Dopey's UE Diary

bet the loo is looking cool ;-)

[MrsD]

Re: The Dopey's UE Diary

thank you Niddy, what a waste of a load of trees!!!

another one on the loo wall...........

[Never-In-Doubt]

Re: The Dopey's UE Diary

just the one wee letter to-day from

Capital One Mrs Dopey
they go on to huff and puff for a further three pages, do you need to see this or is it heading for the loo........

LOL - paper the loo with it - nothing new in all that - just ignore them now!

:UE

[MrsD]

Re: The Dopey's UE Diary

just the one wee letter to-day from

Capital One Mrs Dopey
sent cca 31/07/10
18/8/2010 received copy of application form
9/09/2010 sent "you've sent an application form"
to-day received a four pager!! basically quoting everyone who's ever been to court about UE. and contradicting themselves
"to clarify, we do not retain the original signed agreement which you would have returned to us, but we scan the signature portion and retain this within our account system" strangely they sent me the whole page of the application form which according to them they don't keep.
they go on to huff and puff for a further three pages, do you need to see this or is it heading for the loo........

[Never-In-Doubt]

Re: The Dopey's UE Diary

hope nothing appears in the mail to-day.............

Don't tempt fate ;N ;N

[MrsD]

Re: The Dopey's UE Diary

great start to the weekend! thank you Niddy

hope nothing appears in the mail to-day.............

[Never-In-Doubt]

Re: The Dopey's UE Diary

Amex Mrs Dopey - £2462 - still with Amex I think - RMA Resolve keep leaving hopeful messages
sent CCA 31/07/10
received application form and half a tree on 26/08/10
sent "you've sent an application form" 31/08/10
Received a response to complaint letter to-day (another half a tree), with same application form and three pages of stuff about how if I had paid in the past I had made it enforceable and they considered it enforceable and that that i had signed the application form where it said "this is a credit agreement regulated by CCA 1974, Sign it only if you want to be legally bound by its terms" they are also saying the prescribed terms would have been sent along with the card but have only supplied photocopied sheets, not linked to anything that I can see.

This remains UE - don't worry about their garbage - point is the purpose of CCA is not to get out of paying, its more you're disputing agreeing to the terms set in place at outset so you're asking them to "prove" what was set out at outset, and to do that they need to provide a compliant and lawful CCA - they cannot therefore the fact you used the account means bugger-all..... Ignore them!

Lloyds TSB Mr Dopey - Still with Lloyds
CCA asked for 31/07/10
sent application form on 11th August 2010
sent "you've sent an application form" on 14th August
received its "definitely enforceable final response" from them on 31/08/10
sent final response on 3rd September
received letter saying they don't normally reply to final responses but it is still enforceable and they are worried about the advice we are receiving (bampots). they huff and puff and threaten all sorts but no actual mention of enforceing in a court. and they've phoned twice a day, every day and leave a message which I promptly delete.

Yea they are concerned at your advice cos they know full well it is coming from me - and they also know they usually lose when they take me on! Muppets will never learn....

Continue to ignore, after all they've sent a final response (and felt the need to respond, bless-em) and so have you so that is stalemate - only a compliant CCA will bring this back into enforceability land!

[MrsD]

Re: The Dopey's UE Diary

Amex Mrs Dopey - £2462 - still with Amex I think - RMA Resolve keep leaving hopeful messages
sent CCA 31/07/10
received application form and half a tree on 26/08/10
sent "you've sent an application form" 31/08/10
Received a response to complaint letter to-day (another half a tree), with same application form and three pages of stuff about how if I had paid in the past I had made it enforceable and they considered it enforceable and that that i had signed the application form where it said "this is a credit agreement regulated by CCA 1974, Sign it only if you want to be legally bound by its terms" they are also saying the prescribed terms would have been sent along with the card but have only supplied photocopied sheets, not linked to anything that I can see.

Lloyds TSB Mr Dopey - Still with Lloyds
CCA asked for 31/07/10
sent application form on 11th August 2010
sent "you've sent an application form" on 14th August
received its "definitely enforceable final response" from them on 31/08/10
sent final response on 3rd September
received letter saying they don't normally reply to final responses but it is still enforceable and they are worried about the advice we are receiving (bampots). they huff and puff and threaten all sorts but no actual mention of enforceing in a court. and they've phoned twice a day, every day and leave a message which I promptly delete.

awaiting your wisdom!!!

[MrsD]

Re: The Dopey's UE Diary

all letters sent off to-day