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?

[Never-In-Doubt]

Re: Jaci's UE Diary

Do I ignore this?

Yep

[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
03/07/2011 - Sent another CCA request to Capital One, (original was sent to Credit Solutions) also sent a copy to Capquest with a note telling them what was happening.
08/08/2011 - Recieved letter from Capquest - Letter Before Action - offering me a F&F of £736.59, contact them by the 17th or they'll pass me on to their solicitors

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

So they now offer 50% reduction do they?

Send this Final Response - Unenforceability (No CCA Received)

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1511
Status - Arrangement to pay


Barclaycard Visa Credit Card
06/06/2011 - CCA Request Sent
08/08/2011 - Received letter which says 'I enclose a reconstituted copy of your credit agreement. A copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the act has been (or will shortly be) sent to you under separate cover.' Also in the same envelope a couple of pages of conditions. Not had anything else from them yet. Anyone want to see this?

Updated

[jaci]

Re: Jaci's UE Diary

So they now offer 50% reduction do they?

Send this Final Response - Unenforceability (No CCA Received)

Who to capquest or Capital One? Or one each?

[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
08/08/2011 - Letter saying 'It is enforceable'

Updated

[swanfan]

Re: Jaci's UE Diary

Who to capquest or Capital One? Or one each?

Send it to capquest.

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1511
Status - Arrangement to pay


Barclaycard Visa Credit Card
06/06/2011 - CCA Request Sent
08/08/2011 - Received letter which says 'I enclose a reconstituted copy of your credit agreement. A copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the act has been (or will shortly be) sent to you under separate cover.' Also in the same envelope a couple of pages of conditions. Not had anything else from them yet. Anyone want to see this?
09/08/2011 - Letter from Mercers, Default Notice has been served, pay up or else!

updated

[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
03/07/2011 - Sent another CCA request to Capital One, (original was sent to Credit Solutions) also sent a copy to Capquest with a note telling them what was happening.
08/08/2011 - Recieved letter from Capquest - Letter Before Action - offering me a F&F of £736.59, contact them by the 17th or they'll pass me on to their solicitors
10/08/2011 - Received letter from Capquest saying we're dealing with the account, we need £1.00 admin fee (sent to Capital One last time) account on hold for 12 days to allow time for me to respond with the fee.

Updated

Send them £1 now? Or still send the final response letter as I was told yesterday? Hadn't sent anything yet.

[swanfan]

Re: Jaci's UE Diary

So they now offer 50% reduction do they?

Send this Final Response - Unenforceability (No CCA Received)

Updated

Send them £1 now? Or still send the final response letter as I was told yesterday? Hadn't sent anything yet.

Send the final response as advised by Niddy.

Ignore the latest letter from capquest, dipshits.

[Never-In-Doubt]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1511
Status - Arrangement to pay


Barclaycard Visa Credit Card
06/06/2011 - CCA Request Sent
08/08/2011 - Received letter which says 'I enclose a reconstituted copy of your credit agreement. A copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the act has been (or will shortly be) sent to you under separate cover.' Also in the same envelope a couple of pages of conditions. Not had anything else from them yet. Anyone want to see this?

Updated

Wait till they send the agreement, no need for me to see this.

[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
16/07/2011 - Niddy says , replying with CCA Query - Missing Prescribed Terms to buy a little time
03/08/2011 - Received statement
08/08/2011 - Letter saying 'It is enforceable'

Updated

Well we know this, we're blagging it just now so ignore for the moment.....

[Never-In-Doubt]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1511
Status - Arrangement to pay


Barclaycard Visa Credit Card
06/06/2011 - CCA Request Sent
08/08/2011 - Received letter which says 'I enclose a reconstituted copy of your credit agreement. A copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the act has been (or will shortly be) sent to you under separate cover.' Also in the same envelope a couple of pages of conditions. Not had anything else from them yet. Anyone want to see this?
09/08/2011 - Letter from Mercers, Default Notice has been served, pay up or else!

updated

Ignore till they send the agreement

[Never-In-Doubt]

Re: Jaci's UE Diary

Send the final response as advised by Niddy.

Ignore the latest letter from capquest, dipshits.

Yep, exactly.

Jaci,

You need to check back each day after you post for updates so you do not get confused. It also helps us to help you properly.....