The Dopeys' UE Diary

[MrsD]

:rulez

Dopeys are up and running, ready to go

[Never-In-Doubt]

Re: The Dopey's UE Diary

Best of luck..... lets see your updated diary then lol

[MrsD]

Re: The Dopey's UE Diary

Just going to update each debt from where we are, got some "warmers" in the post and some really good news, I think!

[MrsD]

Re: The Dopey's UE Diary

Ok here goes, the abbreviated version.

Mr dopey and I managed to run up quite a few debts living a life, not a completely over the top hedonistic constant party, just a life. We ran into trouble a while ago due to a drop in income caused by an accident and the creditors sniffing blood started lowering limits and hiking instant rates. Christmas 2010 we realised that we were in a deep hole and would possibly be around 308 before we'd paid off our debts. Entered a DMP with CCCS, ran successfully for 6 months, succeeded in getting 20 out of 22 creditors to cease interest. Then we had our "review" with CCCS and they were determined to pull our budget to bits (the one that was working really well ), seemed to think I should turf out my adult children and live in the dark with one meal aday. Had been flirting with UE and my good friend Gypsy had gone down that road with Niddy and had had a lot of success, so we decided to go for it, and its working!!!!

Its only working cos of the great support from Niddy and the guys, I've never felt panicked or harassed cos there is always someone to help out and give an educated opinion.

I will say I have been truly astounded by some of the drivel spouted by banks and a bit taken aback by how thick they think we are, no wonder they nearly went down, they don't live in the real world!

[MrsD]

Re: The Dopey's UE Diary

BoS CC - Mr Dopey

CCA requested 31/07/10
application form received 05/08/10
Niddy pronounced unenforceable :UE
sent you've sent an application form 14/08/10
received letter 24/08/10 "we are unable to provide original terms and conditions and we are unable to trace the reconstituted version of the executed agreement, therefore we will not seek to enforce the agreement.
I guess this is :UE and we've won a watch!


Sainsbury's CC Mrs Dopey

CCA requested 31/07/10
10/08/10 they are looking for it
26/08/10 they sent most recent t&cs and a blank credit agreement, no signatures, no credit limit, no nothing actually
if you need this emailed Niddy, let me know.


Barclaycard CC Mr Dopey

CCA requested 31/07/10
nothing received at all


Citi CC Mr Dopey

CCA requested 31/07/10
nothing received at all

Mint CC Mrs Dopey

CCA requested 31/07/10
enforceable paperwork received 13/08/10
blagging

RBS CC Mrs Dopey
CCA requested 31/07/10
will email this to you, its unbelievable!


Amex CC Mrs Dopey
CCA requested 31/07/10
received application form and t&cs 17/08/10
sent you sent an application form letter 21/08/10
received formal complaint handling letter 26/08/10

Cap1 CC Mr Dopey
CCA requested 31/07/10
received uptodate t&cs and bizarre agreement panel with Mr Dopey's signature on it.
let me know if you need to see this

Halifax CC Mrs Dopey
CCA requested 31/07/10
25/08/10 received agreement, looks good, do you want me to email this?

Cap 1 CC Mrs Dopey
CCA requested 31/07/10
18/08/10 received short application form reconstituted with a credit agreement stuck on the bottom
t&cs which are uptodate and some others which don't specify amounts. I would be happy if I emailed this one to you

Lloyds CC Mrs Dopey
CCA requested 31/07/10
17/08/10 - default received

Lloyds CC Mr Dopey
CCA requested 31/07/10
11/08/10 received t&cs plus application form
14/08/10 sent "you've sent an application form template"
23/08/10 received "we'll investigate your complaint"

Egg CC Mr Dopey
CCA requested 31/07/10
9/08/10 received enforceable paperwork - blagging

Egg CC Mrs Dopey
CCA requested 31/07/10
9/08/10 received enforceable paperwork - blagging

M&S Money CC Mrs Dopey
CCA requested 31/07/10
04/08/10 letter from M&S saying no PO enclosed (there was!)
09/08/10 sent default
i have requested cashing date from Post office for PO, this could take some time!

MBNA CC Mrs Dopey
CCA requested 31/07/10
17/08/10 received application form
21/08/10 sent "you've sent an application form" template

Virgin Cc Mrs Dopey
CCA requested 31/07/10
18/08/10 received application form
21/08/10 sent "you've sent an application form" template

MBNA CC Mr Dopey
CCA requested 31/07/10
20/08/10 received letter saying they are searching hard for it

phew, let me know what you want to see Niddy (apart from the RBS stuff) and I'll get on it as soon as, but please don't harass yourself, Miss Niddy comes first by a long way.

[MrsD]

Re: The Dopey's UE Diary

thanks Andy, it's certainly an eyeopener, that's for sure and I lurve the new site, as 2dogs would say, the future's orange!

[Phoenix]

Re: The Dopey's UE Diary

Well done, Dopey (I feel slightly guilty in calling you that, because Dopey you are not!)

Brilliant news that you have an :UE admission so early in your quest! It really motivates you for the rest, doesn't it!

And as for the future being orange, I can't help thinking of all those celebrities and their tacky false tans!

[MrsD]

Re: The Dopey's UE Diary

thanks Ann it was quite a moment when I read that letter cos BoS were really difficult and awkward about the DMP, then they don't actually have an agreement!

I quite like the orange, its cheerful and fresh, like a lot of us.

Hows the hip, hope you are taking it easy.

[nanna58]

Re: The Dopey's UE Diary

thanks Andy, it's certainly an eyeopener, that's for sure and I lurve the new site, as 2dogs would say, the future's orange!

This maybe a little cheeky,,, but if the future is orange, do we get to go to the cinema cheap on a wednesday? hehe

Err Yeah old hand at it .shall i drive to pick you up say about 12noon? ;-y

Hiya dopeys great site

[MrsD]

Re: The Dopey's UE Diary

not the driving nanna, nooooooooo

[Never-In-Doubt]

Re: The Dopey's UE Diary

thanks Ann it was quite a moment when I read that letter cos BoS were really difficult and awkward about the DMP, then they don't actually have an agreement!.

Yey - you have an :UE already? Brilliant news (sorry if I already know this - my brain is mush right now)!

Thats a result and a half...

Ann,

Did you see my posts in chat thread last night? robertomoir is an ex bailiff hehe - i've made him a mod as well, oooer - does he work both sides like a russian spy? ;D

LOL, he's great in all seriousness..... you'll like him and he gives brill bailiff/doorstep collection advice and knows the laws inside out

[MrsD]

Re: The Dopey's UE Diary



its your result and a half Niddy, in black and white writing from Bos on paper which I will now clasp to my bosum for all I'l worth!!!

thanks a million

[Phoenix]

Re: The Dopey's UE Diary

Ann,

Did you see my posts in chat thread last night? robertomoir is an ex bailiff hehe - i've made him a mod as well, oooer - does he work both sides like a russian spy? ;D

LOL, he's great in all seriousness..... you'll like him and he gives brill bailiff/doorstep collection advice and knows the laws inside out

Thanks Niddy,

it will certainly be good to have someone like Roberto on board - will make sure I contact him the next time my door is hammered on by one of those creatures!

[Elsie52]

Re: The Dopey's UE Diary

Morning Dopey,

Just checking all is ok with you....not seen you online for a couple of days....possible you is away working......or won the lottery without remembering your mates.

[MrsD]

Re: The Dopey's UE Diary

Had a reply from Lloyds to our letter saying they sent an application form, usual stuff how they will huff and puff and blow the house down, interestingly they haven't mentioned court just defaults and harassment. Do I send a final response now?