Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

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.....

Letter done for posting tomorrow, all up to date.

Will try harder

[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? (No, so waiting for them to send the agreement)
09/08/2011 - Letter from Mercers, Default Notice has been served, pay up or else!
10/08/2011 - Received usual statement
11/08/2011 - Received letter saying 'Enclosed with this letter is a copy of your Barclaycard Terms and Conditions.

Updated - Anyone want to see?

It's just 2 sheets of T&C with my name and address printed on

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


Barclaycard Centre
Credit Card
Start Date 16-10-2003
Current Balance £1041
Status - Arrangement to pay

Barclaycard Mastercard Credit Card
06/06/2011 - CCA Request sent
05/07/2011 - Have received a letter which says 'We are currently unable to provide a copy of your Credit Agreement. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues' Then goes on to say I should still pay or they'll report me to Credit Reference Agencies and such. Anyone want to see this?
08/07/2011 - In2Deep and Niddy both confirmed as
11/08/2011 - Letter from Mercers, Default notice served, pay up or else!

Updated - Ignore em?

[Deepie]

Re: Jaci's UE Diary

Updated - Anyone want to see?

It's just 2 sheets of T&C with my name and address printed on

Send them this CCA Query - Terms & Conditions Received

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated - Ignore em?

If u got a DN keet the envelope and write date of receipt on the letter then keep it.

We may need to Use this later

[jaci]

Re: Jaci's UE Diary

If u got a DN keet the envelope and write date of receipt on the letter then keep it.

We may need to Use this later

Just got a letter with the title 'Default notice served under section 87(i) of the Consumer Credit Act 1974'??

[Never-In-Doubt]

Re: Jaci's UE Diary

Just got a letter with the title 'Default notice served under section 87(i) of the Consumer Credit Act 1974'??

Yea a default notice. It'll tell you how much and when to pay by. Should be at least +14 days AND only demand the arrears not the full balance

Ignore it but keep the envelope and add the date received to the actual letter so you never forget. Right now thus isn't an issue. You WANT these defaults as your 6yrs to a clean credit file now starts

[jaci]

Re: Jaci's UE Diary

Yea a default notice. It'll tell you how much and when to pay by. Should be at least +14 days AND only demand the arrears not the full balance

Ignore it but keep the envelope and add the date received to the actual letter so you never forget. Right now thus isn't an issue. You WANT these defaults as your 6yrs to a clean credit file now starts

Oooh, getting quite a collection of these now. Nevermind.

[Never-In-Doubt]

Re: Jaci's UE Diary

Oooh, getting quite a collection of these now. Nevermind.

Good!! Result lol. Keep em and note the date received then we'll check em at the end as you can do a lot of damage with a defective "bad" default notice

[jaci]

Re: Jaci's UE Diary

Good!! Result lol. Keep em and note the date received then we'll check em at the end as you can do a lot of damage with a defective "bad" default notice

Intrigued, but sounds very complicated. Any suggested reading?

[garlok]

Re: Jaci's UE Diary

if you've had one from Mercers jaci, its almost a running certainty that is defective in a number of ways. The next step will probably be a deamnd for monies not yet due from Calder Financial which ois the next level of BC thuggery in fact its the desk across the gangway from Mercers understone dwellers. Then it will be a demand for the whole outstanding amount. Which they cnanot do on the back of a defective DN.

Thats is the simple version. The DN issue is very contentious with wide passionate opinions so at the moment it is best to do what Niddy says and just keep the thing duly marked up COMPLETE with envelope. there is one certain MBNA case which fell against the alleged debtor because an envelope had been mixed up in the evidence. we staple ours to the relevant letter.

regards
Garlok

[jaci]

Re: Jaci's UE Diary

Ok, so excuse me if I'm missing the point, but what's the deal with the envelope?

Just I got another one the other day (from mercers again but a different account), but didn't even imagine that the envelope could important.

[Never-In-Doubt]

Re: Jaci's UE Diary

It's to do with date and proof of service. Don't worryread the default notice section

[Never-In-Doubt]

Re: Jaci's UE Diary

---> Default Notices - allaboutFORUMS

[garlok]

Re: Jaci's UE Diary

Thanks Nid, just about to explain.

regards
Garlok