Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

RBS Cards (Mint)
Credit Card
Start Date 11-03-2004
Current Balance £1847
Status Defaulted


Mint Credit Card
06/06/2011 - CCA Request Sent
04/07/2011 - Have received a very confusing letter, my cheque back, a copy of signed application form, 4 pages titled 'Credit Agreement regulated by the Consumer Credit Act 1974', Another 16 pages with the same title, A copy of a letter sent with a replacement card with another CCA, and finally a copy of the latest statement. Oh and a leaflet entitled 'Your Copy of the General Conditions'. Does someone need to see all this???[/COLOR]
07/07/2001 - Emailed Niddy
08/07/2011 - Niddy says ... You can cease repayments and respond with this: CCA Query - Missing Prescribed Terms ... will get this in the post
13/07/2011 Posted letter as above
14/07/2011 - received a letter from Mint asking for payment within 14 days else they shall send the account to a debt collection agent - asks OH to call to 'discuss a repayment programme' - letters crossed in post so ignoring
03/08/2011 - Received statement
03/08/2011 - Received letter saying what they sent was good enough, they see no reason to enter into further correspondence with us about alleged CCA breaches, they dont consider account to be in dispute and will continue to persue for full payment

Do I ignore this?

[jaci]

Re: Jaci's UE Diary

Thanks, answers on here do make me chuckle sometimes ....

[MrsD]

Re: Jaci's UE Diary

as Garlok says Jaci, who knows what goes on in their wee heads???

MBNA have changed our account numbers about three times, still doesn't make it enforceable though...................

[garlok]

Re: Jaci's UE Diary

Hi Jaci,

From our experiences with BC they probably won't know either. I would ignore for now as they are using trick material like this just to get you to contact them about something that may be yours.

Its nasty.

regards
Garlok

[jaci]

Re: Jaci's UE Diary

Have also received an odd letter from Barclaycard, It's been sent to me but only shows the last four digits of the reference number (assuming this is the account number?) but it doesn't match any either of my card numbers, Letter says 'After looking at your account carefully, it no longer meets our lending criteria, so we have decided to close it' then it goes on to ask me to cancel direct debits. Not a clue what they're talking about

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

RBS Cards (Mint)
Credit Card
Start Date 11-03-2004
Current Balance £1847
Status Defaulted


Mint Credit Card
06/06/2011 - CCA Request Sent
04/07/2011 - Have received a very confusing letter, my cheque back, a copy of signed application form, 4 pages titled 'Credit Agreement regulated by the Consumer Credit Act 1974', Another 16 pages with the same title, A copy of a letter sent with a replacement card with another CCA, and finally a copy of the latest statement. Oh and a leaflet entitled 'Your Copy of the General Conditions'. Does someone need to see all this???[/COLOR]
07/07/2001 - Emailed Niddy
08/07/2011 - Niddy says ... You can cease repayments and respond with this: CCA Query - Missing Prescribed Terms ... will get this in the post
13/07/2011 Posted letter as above
14/07/2011 - received a letter from Mint asking for payment within 14 days else they shall send the account to a debt collection agent - asks OH to call to 'discuss a repayment programme' - letters crossed in post so ignoring
03/08/2011 - Received statement
03/08/2011 - Received letter saying what they sent was good enough, they see no reason to enter into further correspondence with us about alleged CCA breaches, they dont consider account to be in dispute and will continue to persue for full payment

Updated

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


Natwest
Credit Card
Start Date 22-08-2007
Current Balance £2778 (Approx)
Status - Defaulted Jan 2010

Natwest Credit Card
06/06/2011 - CCA Request sent
13/07/2011 - CCA Received, emailed Niddy
16/07/2011 - Niddy says , replying with CCA Query - Missing Prescribed Terms to buy a little time
03/08/2011 - Received statement

Updated

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

RBS Cards (Mint)
Credit Card
Start Date 11-03-2004
Current Balance £1847
Status Defaulted


Mint Credit Card
06/06/2011 - CCA Request Sent
04/07/2011 - Have received a very confusing letter, my cheque back, a copy of signed application form, 4 pages titled 'Credit Agreement regulated by the Consumer Credit Act 1974', Another 16 pages with the same title, A copy of a letter sent with a replacement card with another CCA, and finally a copy of the latest statement. Oh and a leaflet entitled 'Your Copy of the General Conditions'. Does someone need to see all this???[/COLOR]
07/07/2001 - Emailed Niddy
08/07/2011 - Niddy says ... You can cease repayments and respond with this: CCA Query - Missing Prescribed Terms ... will get this in the post
13/07/2011 Posted letter as above
14/07/2011 - received a letter from Mint asking for payment within 14 days else they shall send the account to a debt collection agent - asks OH to call to 'discuss a repayment programme' - letters crossed in post so ignoring
03/08/2011 - Received statement

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

How you guess that?

[jaci]

Re: Jaci's UE Diary

Blonde?

How you guess that?

[Never-In-Doubt]

Re: Jaci's UE Diary

Thanks, now see what I was saying about how unorganised I am?

Will get this sorted tomorrow

Blonde?

[jaci]

Re: Jaci's UE Diary

Jesus wumman!!

Ok start again. Send a cca request to crappy1 with a copy to crapquest.

However add a cover note to capquest simply saying "I sent this originally on xx/xx2011 however to the last dca (credit solutions); and thus this request is currently in default. However as I've resubmitted a new request to the original creditor, please afford me the due diligence necessary to seek clarity on the enforceability of the account and take note no formal action should be considered whilst my original s.78 request remains outstanding, not forgetting my current request"

That should do it. New cheque to crappy1 as well.

Thanks, now see what I was saying about how unorganised I am?

Will get this sorted tomorrow

[Never-In-Doubt]

Re: Jaci's UE Diary

Jesus wumman!!

Ok start again. Send a cca request to crappy1 with a copy to crapquest.

However add a cover note to capquest simply saying "I sent this originally on xx/xx2011 however to the last dca (credit solutions); and thus this request is currently in default. However as I've resubmitted a new request to the original creditor, please afford me the due diligence necessary to seek clarity on the enforceability of the account and take note no formal action should be considered whilst my original s.78 request remains outstanding, not forgetting my current request"

That should do it. New cheque to crappy1 as well.

[jaci]

Re: Jaci's UE Diary

Don't know if I should post this here or somewhere else but here goes anyway - neighbour just knocked on my door and said 'We've just had a phonecall for your OH' anyhow the caller was asking her to speak to him (he's at work) she told the caller this and she went on to ask where he works before saying 'doesn't matter - we'll write to him' Anyhow my neighbour has done 1471 and a quick google of the number comes up as Capquest, I rang it and said I had a missed call the woman on the phone says they're a company called DVSL who try and track people for clients. Surely ringing a neighbour isn't allowed???? But what should I do?

Blimey I'm making a mess of this tonight, the Capquest letter is probably about this ....

[jaci]

Re: Jaci's UE Diary

And the original request was sent to Credit Solutions, as they were the last people to harass us about this account, should have already checked that like I said I'm nowhere near organised enough. So do I send to Credit solutions and a copy to Capquest?