Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

Been away for a few days - off to update things now

[Never-In-Doubt]

Re: Jaci's UE Diary

Letters all done ... up to date (for now)

Cool, keep us posted with updates - best of luck

[jaci]

Re: Jaci's UE Diary

Letters all done ... up to date (for now)

[Never-In-Doubt]

Re: Jaci's UE Diary

I will be complaining as there's no way they should be allowed to do stuff like this, was reading some other stuff last night and it seems certain companies do stuff like this all the time. Just need to wait and see which one it was ...

Best of luck - let us know when you do and then we'll move all these posts into a new thread and separate the complaint with the diary

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Send a quick reply to SCM saying you're dealing with Lloyds TSB who continually breach Data Protection and Consumer Credit laws and therefore the account is in serious dispute and I suggest you put things on hold until further notice.

That ought to about do it. Short n sweet

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Crossed in post so ignore this letter they sent as you already replied the day before

[Never-In-Doubt]

Re: Jaci's UE Diary

Should I be doing anything with this while I'm waiting for the others to get back to me?

No. Just wait and keep us updated if they contact you....

[jaci]

Re: Jaci's UE Diary

The point is that they know where 'he' lives!

http://www.oft.gov.uk/shared_oft/bus...dit/oft664.pdf

Please, complain to Consumer Direct and the OFT.

I know exactly how you must be feeling (as do many others)

I will be complaining as there's no way they should be allowed to do stuff like this, was reading some other stuff last night and it seems certain companies do stuff like this all the time. Just need to wait and see which one it was ...

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1021 (Approx)
Status - In Arrears


Lloyds TSB Credit Card - Currently with Westcott Credit Services
06/06/2011 - CCA Request Sent
05/07/2011 - Received my letter back, complete with cheque (and even the envelope I sent it in!!) with a compliments slip attached saying 'cheque needs to be payable to Lloyds TSB - please re-write the cheque and return with your request. Ok to do this I assume?
13/07/2011 - Sending request back to them with cheque payable to Lloyds TSB
14/07/2011 - received letter fromSCM Solicitors asking me to pay full balance with 7 days to avoid court proceedings, call within 7 days to come to an 'amicable agreement'

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'

Updated

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £8677
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says

Should I be doing anything with this while I'm waiting for the others to get back to me?

[jaci]

Re: Jaci's UE Diary

Thanks, will do both of these later

[Never-In-Doubt]

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

As above, this is also enforceable however nothing we could have done anyone as this was applied for, and digitally signed online. Basically it's as watertight as they come - plus it's just 'too new'....

Do the same as MBNA and blag this to guy you time before adding it to any possible dmp, by sending this off for now: CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Jaci's UE Diary

MY ACCOUNT


MBNA Bank
Loan
Start Date 27-05-2006
Current Balance £1915
Status - Arrangement to pay


MBNA LOAN
06/06/2011 - CCA Request Sent
13/07/2011 - CCA Received, emailed Niddy

This, is unfortunately enforceable as all the prescribed terms are intact and linked to the signatory page. Sorry, not much you can do with this other than add it to a dmp at the end of everything....

In the meantime, bear in mind this is a temporary measure to allow you time to sort the enforceable from the unenforceable, respond with the following (it's only to buy time - don't forget that): CCA Query - Missing Prescribed Terms

[Angry Cat]

Re: Jaci's UE Diary

...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'

The point is that they know where 'he' lives!

http://www.oft.gov.uk/shared_oft/bus...dit/oft664.pdf

Please, complain to Consumer Direct and the OFT.

I know exactly how you must be feeling (as do many others)