Jaci's UE Diary

[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 - Received 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.
10/08/2011 - Sending Final Response - Unenforceability (No CCA Received) to Capquest.
17/08/2011 - Received 2 letters from Capquest. Letter 1 - 'We've received your letter and passed to relevant department to be processed. Letter 2 - 'Unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system. Ignoring
19/08/2011 - Letter from Capital One. 'I enclose a reconstituted copy of your original agreement' enclosed with copy of application form and 2 sets of T&C

Updated, shall I send to Niddy?

[Deepie]

Re: Jaci's UE Diary

Updated, shall I send to Niddy?

Yes....... Let Niddy have a look please

[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 - Received 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.
10/08/2011 - Sending Final Response - Unenforceability (No CCA Received) to Capquest.
17/08/2011 - Received 2 letters from Capquest. Letter 1 - 'We've received your letter and passed to relevant department to be processed. Letter 2 - 'Unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system. Ignoring
19/08/2011 - Letter from Capital One. 'I enclose a reconstituted copy of your original agreement' enclosed with copy of application form and 2 sets of T&C

Emailed Niddy

[Never-In-Doubt]

Re: Jaci's UE Diary

Emailed Niddy

Sorry - just found it ooops

Its a copy of the application but the terms aren't relevant so for now it is UE but easily rectifiable - however respond as follows: CCA Query - Missing Prescribed Terms

[jaci]

Re: Jaci's UE Diary

Sorry - just found it ooops

Its a copy of the application but the terms aren't relevant so for now it is UE but easily rectifiable - however respond as follows: CCA Query - Missing Prescribed Terms

Silly question alert!!

Does this mean it is enforceable?

[Never-In-Doubt]

Re: Jaci's UE Diary

Not right now, no. Unless they provide CORRECT terms.

[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. In2Deep says ignore.
19/08/2011 - Received Letter from Moorcroft Debt Recovery, installment offer £40 per month, contact us. Still ignoring.
02/09/2011 - Received letter from Midas Credit Services, 'Litigation Warning' Contact us

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
08/08/2011 - Letter saying 'It is enforceable', ignoring for now.
02/09/2011 - Statement received
02/09/2011 - Letter received, If you don't pay up in 14 days we're sending account to a debt collecting agency

Updated

[Deepie]

Re: Jaci's UE Diary

Updated

Send them this > Account Sold whilst in Dispute

[Deepie]

Re: Jaci's UE Diary

Updated

Just ignore for now see what they do next

[Never-In-Doubt]

Re: Jaci's UE Diary

[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 - Received 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.
10/08/2011 - Sending Final Response - Unenforceability (No CCA Received) to Capquest.
17/08/2011 - Received 2 letters from Capquest. Letter 1 - 'We've received your letter and passed to relevant department to be processed. Letter 2 - 'Unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system. Ignoring
19/08/2011 - Letter from Capital One. 'I enclose a reconstituted copy of your original agreement' enclosed with copy of application form and 2 sets of T&C. Emailed to Niddy.
Sent CCA Query - Missing Prescribed Terms
15/09/2011Received letter from Capital One, Basically says 'Is enforceable, pay up' but goes on to say I've requested details of all debits and credits applied to account (I haven't), and asking me to send a cheque so they can do this

Updated

[MrsD]

Re: Jaci's UE Diary

I'd just ignore it for now, I've had a few hundred trees through the post from various creditors, never asked for em and no one has asked me for money either!

[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. Sending CCA Query - Terms & Conditions Received
09/09/2011 - Received statement as usual
15/09/2011 - Letter from Resolvecall, acting on behalf of Mercers asking me to contact Mercers.

Updated

[MrsD]

Re: Jaci's UE Diary

I just ignored these as well