the-puppets UE diary

[Never-In-Doubt]

Re: the-predator-puppets UE diary

HSBC MASTER CARD (My credit card)
TYPE OF ACCOUNT : CC
DATE COMMENCED: 02/06
APPROX BALANCE: £5700
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Arrangement to pay
ACC OWNER: HSBC


10th June 2011 CCA Request sent
12th July 2011 received copy of CCA, Repayment Protection & Card Guard signed application, T&C , Important Changes to CCA, 2 statements sending CCA docs to Niddy to check - poor copies from HSBC

This is a poor copy, but easily legible and unfortunately also enforceable. However again, there is PPI so you may need to speak to Di30 and head to the PPI section and reclaim this...

In the meantime, whilst we're sorting it all out it is actually best to blag this - so even though it is enforceable, pretend it isn't and send this back: CCA Query - Missing Prescribed Terms

We'll come back to all the enforceable ones later, which you'd then look to consider a dmp with or something else....

[Never-In-Doubt]

Re: the-predator-puppets UE diary

MINT CARD (Other half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 03/04
APPROX BALANCE: £4000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Default 23/09/10
ACC OWNER: MINT


10th June 2011 CCA Request sent
11th July 2011 Received what looks like a signed application form, copies of terms and conditions, a credit card agreement with no signature box, copy of general conditions (leaflet), letter regarding replacement card , copy of latest statements emailed Niddy to check

This is totally unenforceable, the rates do not tally, there were no originating terms, there is ppi showing but no mention of it anywhere other than the tick on the form, there is no default sums showing - basically, it's a balls up.

Its 100%

Respond with the following: CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: the-predator-puppets UE diary

NORTHERN ROCK LOAN - NRAM (JOINT LOAN)

TYPE OF ACCOUNT : Loan
DATE COMMENCED: 05/06
APPROX BALANCE: £27,000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Up to date *note on credit report stating account being settled via DMP
ACC OWNER: Northern Rock


10th June 2011 CCA Request sent
21st June 2011 Received Telephone (Ansaphone) message - please call NRAM - ignoring for now
2nd July 2011 Received letter stating amounts we agreed to pay via dmp - ignoring still - may be the penny will drop when they don't receive payment!!
8th July 2011 CCA docs recieved - look correct - email to niddy to check

This is a weird one, in that it's one of those together loans - however it is, unfortunately, fully enforceable as all prescribed terms are present - however can you please confirm whether PPI was sold/attached to this account? Do you still have the mortgage as well, ie with NR?

If not, it is enforceable i'm afraid.....

[the-puppets]

Re: the-predator-puppets UE diary

HSBC MASTER CARD (My credit card)
TYPE OF ACCOUNT : CC
DATE COMMENCED: 02/06
APPROX BALANCE: £5700
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Arrangement to pay
ACC OWNER: HSBC


10th June 2011 CCA Request sent
12th July 2011 received copy of CCA, Repayment Protection & Card Guard signed application, T&C , Important Changes to CCA, 2 statements sending CCA docs to Niddy to check - poor copies from HSBC

EMAILED NIDDY

[Never-In-Doubt]

Re: the-predator-puppets UE diary

EMAILED NIDDY Mint Card CCA stuff (also the Northern Rock Loan CCA - think i emailed this to wrong place oops)

Cheers

TPP

I have the emails, will check later

[the-puppets]

Re: the-predator-puppets UE diary

EMAILED NIDDY Mint Card CCA stuff (also the Northern Rock Loan CCA - think i emailed this to wrong place oops)

Cheers

TPP

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Will Niddy need to see all this? There's 27 pages all-in???

TPP

Nope just the agreement part and the first page or two of the abbreviated terms

[the-puppets]

Re: the-predator-puppets UE diary

MINT CARD (Other half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 03/04
APPROX BALANCE: £4000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Default 23/09/10
ACC OWNER: MINT


10th June 2011 CCA Request sent
11th July 2011 Received what looks like a signed application form, copies of terms and conditions, a credit card agreement with no signature box, copy of general conditions (leaflet), letter regarding replacement card , copy of latest statements

Will Niddy need to see all this? There's 27 pages all-in???

TPP

[the-puppets]

Re: the-predator-puppets UE diary

Thanks will post off today.

[Deepie]

Re: the-predator-puppets UE diary

PS-Its been 1 month now since we sent for CCAs - do we now send chaser letters??

no just leave it for now there in default

[Deepie]

Re: the-predator-puppets UE diary

Mint loan send this> CCA Request - Final Demand

NRAM yes email Niddy
Next send this> Final Response - Unenforceability (CCA Received

[the-puppets]

Re: the-predator-puppets UE diary

Having enjoyed no post for a while received 3 letters this week:

Mint Loan - still insist they wont send CCA as they cant compare signatures, wont send cca unless we supply docs verifying identity (they dont say what docs could be used for this) or we pass security on a telephone call - ideas please?? Do you need this emailed Mr NDiddy?

NRAM - have sent what looks like a legitimate CCA - EMAILED NIDDY to check

NEXT - state they have sent us a "True Copy" - what do we send next to next? - Do you need this emailed Mr Nidster?

Thanks

TPP

PS-Its been 1 month now since we sent for CCAs - do we now send chaser letters??

[the-puppets]

Re: the-predator-puppets UE diary

Will do thanks

TPP

[Never-In-Doubt]

Re: the-predator-puppets UE diary

EMAILED NIDDY the Next CCA True & Current Copies

Will send the "no signature required" letter to MINT Loans tomorrow

Wait and see on the Lloyds loonies

Thanks folks

TPP

Exactly, so all that's left was Next - well all they've done is send a blank "current" application form which, being they brought the carey case into things, defeats the purpose of Carey! They cannot simply go get a current application and post it you as being yours or as a true copy - muppets!

Next is 100%

I'd be responding with this: CCA Query - Application Form Received

[the-puppets]

Re: the-predator-puppets UE diary

EMAILED NIDDY the Next CCA True & Current Copies

Will send the "no signature required" letter to MINT Loans tomorrow

Wait and see on the Lloyds loonies

Thanks folks

TPP