The Dopeys' UE Diary

[MrsD]

Re: The Dopeys' UE Diary

mmmmm
strange one from CSL for Mr D's Lloyds
they are about the 3/4th DCA on this
sent sold in dispute
they sent back a strangely worded letter wanting us to confirm that we acknowledge the account (aye right)
sent back missing prescribed terms which it was
to-day a cheeky letter asking us again to confirm that he acknowledges the debt, took the money etc
so what now???

Does anyone think its time for a CPUTR(2008) or something else??

[MrsD]

Re: The Dopeys' UE Diary

I've had both the get out of jail cards for MBNA for some time, quite a lot of time actually. Both of these have been through around 5/6 DCAs, which have all had a sufficiency of correspondence. Co-incidently the last eejits were Westcot who returned them to MBNA when they received the magic letter. So now both assigned to Arrow, who have directed us to deal with - Westcot!!! So I feel it will be OK to await this crowd of diddies attempts at collection, and when they appear, they'll get another copy of the magic letter and then they can tootle off to Arrow and moan. i agree you have to pick those to ignore and those not to ignore and I often just send a one liner reminding them it helps to read what they've been sent. I even use the big pink marker occasionally when they have been particulary dense!

[mk_chatham]

Re: The Dopeys' UE Diary

you do not need to respond to each letter received as you simply could not afford it or sustain it.

That is a fact.

That makes perfect sense Niddy.

You got to think of the all the poor trees,

as well as the poor posties who have to deliver all this crap correspondence


MK

[garlok]

Re: The Dopeys' UE Diary

As this is an assignment in Absolute it would seem, then both Niddy's and Paul's arguments are BOTH logical and sound. I made my feelings clear on Bobo's thread. New assignemnet then send the actual assignee, the new OWNER an "Account sold in dispute" letter. Then make the buggers work whatever the response has been and serve them with s78 request which of course they cannot ignore. Its their responsibility not yours to go pffaffing around to the OC. They won't have the docs but it is still their obligation to go get them and 12 + 2 days later they are in default of the request. So it beomes UE until they cough up the goods. I see it as almost irrelevant what has gone before once it has been sold. new owner-- new ball game, inflict as much pain on them as possible.

regards
Garlok

[Never-In-Doubt]

Re: The Dopeys' UE Diary

Let me just say, it is *sometimes* best to respond, not all the time and as I said, in response to Paul's comments, this is totally dependant upon the situation and past correspondence.

So assume the creditor/dca wrote to you on a monday and you replied the same week then the following week they wrote again, three times - you would NOT respond to each letter, obviously. The fact you already responded to the first letter is enough and no matter what they send in between, you would have a damn good argument to ignore everything until such time they address your letter.

So if they sent 30 letters then responded to you, and then tried court action I can promise you a judge would have to consider the facts and the main one being "I wrote the same week but they then bombarded me with confusing letters and nothing mentioned my letter but I have proof of postage - so I waited for a response as I cannot afford to reply to 30 letters or i'd afford to pay the debt"

Not quite those words, but the principle behind the argument stands.

So, yea if you have had no contact with a creditor/dca for a while and they assign it and the new owner writes then why not send a *f*ckoff* letter / acknowledgement letter? However if you're in regular communication anyway - then no, you do not need to respond to each letter received as you simply could not afford it or sustain it.

That is a fact.

[mk_chatham]

Re: The Dopeys' UE Diary

must be having a wee clearout of all the rubbish.

Hi

There was a discussion over on bobogosing's UE diary regarding the recent 'rubbish disposal' to Arrow with Paul suggesting that it may be better to reply and not ignore them.

The case notes he mentioned where interesting, as was the possible court room scenario of what may happen if letters are ignored.

As you have the 'magic' letter, if it were me I would send a copy of that together with "Letter Previously Confirming No CCA" either to Arrow - or possibly to their agent if they have stated in the letter that all correspondence should be sent to a certain DCA.

Good luck

MK

[nanna58]

Re: The Dopeys' UE Diary

spring cleaning

[MrsD]

Re: The Dopeys' UE Diary

must be having a wee clearout of all the rubbish.

[helmsman]

Re: The Dopeys' UE Diary

a wee bundle this morning

MBNA have sold Mr D's A&L CC to Arrow global, which is a pity for them cos we've got a lovely letter from MBNA stating they have never had a CCA and won't take Mr D to court
so shall ignore this and see what happens

MBNA have sold Mrs D's ex Virgin card to Arrow global as well, and guess what? Yup got a lovely letter for that one as well, no CCA available and they won't take us to court
so shall ignore this as well

Moorcroft boobies are sill chasing my Sainsbury's card which co-incidently I also have a nice letter for stating no full CCA available, they've had this and have chosen to ignore so I shall send a gentle reminder that its a good idea to read the letters they get sent.................

Hi,
mbna have sold my acc to them as well (AG) and I also have a letter stating no cca so they arnt going to make much money me thinks.
Good Luck

[MrsD]

Re: The Dopeys' UE Diary

a wee bundle this morning

MBNA have sold Mr D's A&L CC to Arrow global, which is a pity for them cos we've got a lovely letter from MBNA stating they have never had a CCA and won't take Mr D to court
so shall ignore this and see what happens

MBNA have sold Mrs D's ex Virgin card to Arrow global as well, and guess what? Yup got a lovely letter for that one as well, no CCA available and they won't take us to court
so shall ignore this as well

Moorcroft boobies are sill chasing my Sainsbury's card which co-incidently I also have a nice letter for stating no full CCA available, they've had this and have chosen to ignore so I shall send a gentle reminder that its a good idea to read the letters they get sent.................

[Never-In-Doubt]

Re: The Dopeys' UE Diary



Don't get too cheeky, just in case

[MrsD]

Re: The Dopeys' UE Diary

2nd UE Christmas coming up

Apex and some other mob have written to MrD and myself about out Lloyds TSB cards
both deemed UE.
Do Apex think they are smart by lying in the first line of all their letters? Do you suppose this makes them feel powerful? What arses they are?
So will pop off a couple of account sold when PO opens again, might feel inclined to point out to Apex how "mistaken" their assumptions are, can feel the big PINK marker coming out again............................

Merry Christmas all!!!

[garlok]

Re: The Dopeys' UE Diary

I think we have had this little discussion before. However I have drawn the conclusion that they find nice wet and damp places for them. It then means they can move home whenever the mood take them by slithering beneath them.

regards
Garlok

[Pixie]

Re: The Dopeys' UE Diary

...or on ebay?

[MrsD]

Re: The Dopeys' UE Diary

makes you wonder
what do they do wth all of those doorsteps and now fields.......................