The Dopeys' UE Diary

[MrsD]

Re: The Dopey's UE Diary

thank you for your kind words crazy, I do my best, its been an education that is for sure and its going well!

[MrsD]

Re: The Dopey's UE Diary

well done Prof, get a wee diary started and i will pop in an help where possible. No need to be nervous, you are perfectly entitled to ask for CCAs, and you are in very safe hands with Niddy. It is a bit nervy to start off, but hey, they are the creditors who put you in this position in the first place, and can I tell you, they LIE, they aren't honest and they try to trick you into believing they have valid agreements when in fact they don't! and they're not even very good at the lies and cheating if you have a Niddy on your side. see my post above about Shiti, utter muppets!
looking forward to this wee diary!

[Never-In-Doubt]

Re: The Dopey's UE Diary

hiya Dopey

have just read your diary and i would like to subscribe to it so i can use for inspiration when i get to write up mine if you dont mind, you have similar creditors to some of my troublesome ones so would be great to compare our results

and thanks to all who have posted up comments ive learned little nuggests of info along the way cheers to you all and good luck Dopey ;-)

laters crazymaz x

Maz

Fine to compare but please be careful not to confuse comparison with identicle - no two agreements or processes are ever identical so comparing can sometimes cause a person more hassle if they get their hopes up.

I'm fine with it but rather you kept it to PM so others don't see it - point is it kills all my hard work telling people not to compare as it never works like that!

Thanks..... also, I thought we'd done most of yours on MSE?

[crazymaz]

Re: The Dopey's UE Diary

hiya Dopey

have just read your diary and i would like to subscribe to it so i can use for inspiration when i get to write up mine if you dont mind, you have similar creditors to some of my troublesome ones so would be great to compare our results

and thanks to all who have posted up comments ive learned little nuggests of info along the way cheers to you all and good luck Dopey ;-)

laters crazymaz x

[ProfessorPatpe]

Re: The Dopey's UE Diary

Hi Niddy, I am hoping to start a diary tomorrow, but for you info. I have 3 BoS CCs all defaulted pre. 2007 (21k in total), 1 loan, defaulted, 15k pre 2007 and 14k between MBNA, Egg and Citi (all these after 2007 I'm afraid). Have Copied your CCA request letter and put £1 in each, hopefully send recorded tomorrow. Am v nervous about all this, so a bit scatty I'm afraid. Kind regrards. PP

[Never-In-Doubt]

Re: The Dopey's UE Diary

Hi Dopey, the initial letters are all ready to go to BoS, 3 CCs and a loan. Just a quick question, do I send them normal first class post or should I send them recorded delivery? Hope you are well. PP

do you have a diary or are you jumping this one? Ive not seen you so am lost as to what stage you're at or what you're doing - if you read the top of each template and spend time in the UE section all your answers will be told.... so look at CCA Request and it clearly says at the top "send recorded delivery with £1"

[ProfessorPatpe]

Re: The Dopey's UE Diary

Hi Dopey, the initial letters are all ready to go to BoS, 3 CCs and a loan. Just a quick question, do I send them normal first class post or should I send them recorded delivery? Hope you are well. PP

[MrsD]

Re: The Dopey's UE Diary

thanks Niddy

Have already sent the t&c received twice, so will send final response, utter muppets, its the same letter and the same half a tree of T&Cs

thank you

[Never-In-Doubt]

Re: The Dopey's UE Diary

lol, city - have you sent the CCA Query - Terms and conditions enclosed? If not send that, if so send cca final response - no cca received

[MrsD]

Re: The Dopey's UE Diary

shouldn't have said "didn't get a phonecall" as there was a dubious message on the answerphone for Mr Dopey, no idea where they were form, very thick foreign accent, so eh just deleted it.

Citi have sent yet another set of terms and conditions, and the same letter saying that is all they are required to send, will I send a final response? That's the third set of exactly the same thing, do they think we're daft???

[MrsD]

Re: The Dopey's UE Diary

what more can I say Prof, get cracking!!!
and no nothing nasty, actually I haven't even had a phone call, not that I was answering them if they did, but so far, nowt, just the usual range of default notices for the wallpapering of the downstairs loo!!!

[Never-In-Doubt]

Re: The Dopey's UE Diary

Why thank you! Feel free to start a diary and we'll sort out what's best for you... Font worry, no bugger will get your house ;-)

[ProfessorPatpe]

Re: The Dopey's UE Diary

Wow, some incredible stories on here and the template page is phenomenal, Niddy must have put in some serious hours there.

[ProfessorPatpe]

Re: The Dopey's UE Diary

Ok, thats great, have you had anything nasty happen so far. I know we've both been down the horrible pre DMP stage of threats, etc but am quite anxious as this is another level and I have a young family, big mortgage, etc.

[MrsD]

Re: The Dopey's UE Diary

Hi and Welcome Prof

You need to read this section really carefully and start a diary here. Niddy likes to know the full extent of everything you owe, start dates, balances who's got it and default status. He'll advise you and get you started with the CCA requests, you send them off enclosing a pound and then wait to see waht comes back, mostly ours have been a lot of baloney. If you read through all of the templates you'll see there is a carefully designed pathway and Niddy will help all of the way. Have a read at some of the other diaries as well, great results happen every day!!!! Good luck