Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

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

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

BoS Card Services
Credit Card
Start Date 19-10-2004
Current Balance £728
Status Defaulted


Bank Of Scotland Credit Card - Currently with Blair Oliver Scott
06/06/2011 - CCA Request sent
04/07/2011 - Received letter back with copy of application form and 2 copies of agreements. Does this all need to be seen?
08/07/2011 - Emailed Niddy
13/07/2011 - Niddy says , replying with CCA Query - Application Form Received
26/06/2011 - Received letter back saying ... is enforceable, pay up, complain to ombudsman if still not happy

Updated

[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'
16/07/2011 - Sent letter to SCM Solicitors saying account is in dispute, dealing with it
23/07/2011 - Received letter back from Wescot saying ' Instructions have been received from our client to withdraw the account and therefore, you should receive no further contact from Wescot in relation to this matter' also received back my £1 cheque.

Updated

[Deepie]

Re: Jaci's UE Diary

Just ignore both for now

[Never-In-Doubt]

Re: Jaci's UE Diary

Just ignore both for now

Yep, agreed

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

Capital One
Credit Card
Start Date 01-03-2004
Current Balance £1577
Status - Defaulted

Capital One Credit Card
06/06/2011 - CCA Request Sent
28/07/2011 - Received letter from Capquest, 'Further to our recent correspondence' (What recent correspondence??), goes on to say they've checked our address and established we have no CCJ's registered at our address and they might do this or they might do that, and we have to get in touch by 07 August or the account will move forward to litigation

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Have they sent a cca yet?

[jaci]

Re: Jaci's UE Diary

Have they sent a cca yet?

Not heard a peep from them

[Never-In-Doubt]

Re: Jaci's UE Diary

Not heard a peep from them

Did you request a cca?

[jaci]

Re: Jaci's UE Diary

Yip, sent letter to them 06/06/11

[Never-In-Doubt]

Re: Jaci's UE Diary

Ooops 6th June. Sorry ahem

Ok send s copy of that with this ASAP: ---> Unenforceability Templates - Section 1

[jaci]

Re: Jaci's UE Diary

Send that to Capquest, yeah? That original request went to Capital one.

[Never-In-Doubt]

Re: Jaci's UE Diary

Send that to Capquest, yeah? That original request went to Capital one.

Yep send a copy of both to both with cover letter in dca version simply saying "see attached - I suggest you back off until crappy1 come out of default of my lawful s.78 request"

Just as that - nothing more; nothing less.

So a copy of both letters to both crappy1 & crapquest so they both know what's 'appenin.

[Never-In-Doubt]

Re: Jaci's UE Diary

ps obviously don't call em crappy1 lol

Also when was the £1 cheque cashed? Do you have proof of encashment plus proof of delivery for original request in June?

[jaci]

Re: Jaci's UE Diary

ps obviously don't call em crappy1 lol

Also when was the £1 cheque cashed? Do you have proof of encashment plus proof of delivery for original request in June?

Damn - Was looking forward to putting that, Don't know if cheque was cashed, I'm not nearly organised enough, but everything has been sent recorded.