liandconsmum's UE Diary

[Never-In-Doubt]

Re: liandconsmum's UE Diary

I'm supremely baffled by Halifax. We sent the DCA a letter saying it was UE, and they just sent us paperwork that is completely different from the previous paperwork sent. It looks like printed up terms, but with our current information on it, no signature. Just odd. And a strange letter basically saying statements enclosed, now start paying. I despair, I really do. Is this REALLY that complicated for them? sigh......

Just ignore them now!

ETA: Okay. I've scanned the letter and attachments and emailed them to you Niddy, for when you have time, if that's okay.

Just ignore this, it seems they've made a recon using details that they have at hand - this is kind of acceptable but in reality, as I always say, how can they win a court case based on a blatent forgery - however Carey v HSBC put paid to that with the idiotic actions of a particular judge

Don't worry too much about it, we already know there are significant differences so obviously they are clutching at straws - just ignore it.

ETA on 26/04/11 - Niddy - I've sent you an email regarding the Tesco account. I don't want to post the information on here, but I'll explain why in the email. Hope that's okay. Thanks!

Just keep this all safely together in case you need to refer to it at a later date

[liandconsmum]

Re: liandconsmum's UE Diary

Ooops... I slipped to second page. Niddy, hope you didn't miss this!!

[liandconsmum]

Re: liandconsmum's UE Diary

I'm supremely baffled by Halifax. We sent the DCA a letter saying it was UE, and they just sent us paperwork that is completely different from the previous paperwork sent. It looks like printed up terms, but with our current information on it, no signature. Just odd. And a strange letter basically saying statements enclosed, now start paying. I despair, I really do. Is this REALLY that complicated for them? sigh......

ETA: Okay. I've scanned the letter and attachments and emailed them to you Niddy, for when you have time, if that's okay.

ETA on 26/04/11 - Niddy - I've sent you an email regarding the Tesco account. I don't want to post the information on here, but I'll explain why in the email. Hope that's okay. Thanks!

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Just a bit of a side question. Is this big PPI decision on Wednesday most likely the reason that Virgin CC is waiting to deal with our PPI reimbursement request? Hoping that they won't have to?? They've had it a couple months now..... is a bit silly, really...

Possibly, that is what they done with the original bank charges test case; they waited until judgment

[liandconsmum]

Re: liandconsmum's UE Diary

Just a bit of a side question. Is this big PPI decision on Wednesday most likely the reason that Virgin CC is waiting to deal with our PPI reimbursement request? Hoping that they won't have to?? They've had it a couple months now..... is a bit silly, really...

[Never-In-Doubt]

Re: liandconsmum's UE Diary

And thank you... happy to ignore them for awhile.

Yep, that's what to do

[liandconsmum]

Re: liandconsmum's UE Diary

Ah! There's that smiley! LOL Thanks!

And thank you... happy to ignore them for awhile.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Letter today from Robinson Way re Tesco saying :

we refer to your recent correspondence in which you claim this account is not enforceable. We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this. You data will continue to be processed ... blah blah blah... ending with "we require your payment proposals within 14 days."

sigh... but it's not enforceable. Even I can see it from the examples linked above. So now what... final response? demand for them to return it to the original creditor? too lazy to look up the "pulling out hair in frustration" smiley.. but that's what I'm doing... grrrrrr

Just ignore them - muppets will never listen!

[liandconsmum]

Re: liandconsmum's UE Diary

Letter today from Robinson Way re Tesco saying :

we refer to your recent correspondence in which you claim this account is not enforceable. We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this. You data will continue to be processed ... blah blah blah... ending with "we require your payment proposals within 14 days."

sigh... but it's not enforceable. Even I can see it from the examples linked above. So now what... final response? demand for them to return it to the original creditor? too lazy to look up the "pulling out hair in frustration" smiley.. but that's what I'm doing... grrrrrr

[liandconsmum]

Re: liandconsmum's UE Diary

General update: ****updated to add another post below - wretched tesco account - grrrrrr***

- Tesco - received letter from Robinson Way Ltd saying "you have not paid..." and indicating "immediate action required", however, there is a possibility that this letter crossed in the mail with my response from their previous letter. As the last letter I sent them pointed out that the CCA they provided was UE, I am going to ignore this letter and wait to see where it goes from here. I see no need to pay postage to reiterate something I just told them. I will let them digest the information a bit and see what their response is at that point.

- Halifax - sent the above recommended letter to the solicitors. Interesting to note that while the letterhead for the solicitors letter shows a completely different address (and county!), the envelope that it came in was the same one used by the DCA, with the DCAs address on it. If they're trying to make that effort to make it seem like they are a completely different entity, they really should check their envelopes. Funny the things that make us chuckle at this point. A year ago, a letter from a solicitor would have completely panicked me. Now I'm laughing over the envelope address. What a difference a year makes!

- Virgin - they have sent a third letter now saying they are still working on the PPI reimbursement request. Nothing new from the DCA yet since their last letter saying it was separate from their debt and that it has nothing to do with them, so pay up please. LOL

- Additions - still receiving regular statements, even though they've admitted in writing that they don't even have a CCA, therefore UE. I'm dutifully filing them away, although I see that the original debt has literally doubled due to all the charges they are piling on each month. Odd, that.

- OD - happily paying a reduced sum each month towards paying it off -no late fees, no interest. DCA is being cooperative and agreed on our offer of payment plan immediately with no quibbling at all. The silly thing is that this is what we tried to continue doing with the bank and they weren't willing to cooperate. But then Santander is not known for their humanitarian viewpoint, eh? LOL

Anyway, that's it for now in a nutshell. This update is more for me to keep track of where I am, really. It can get confusing sometimes - although much less so now that we have a few accounts down and a bit less to keep organised. LOL

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Will get that put together and posted right away. Thanks so much!

[liandconsmum]

Re: liandconsmum's UE Diary

Will get that put together and posted right away. Thanks so much!

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Received letter from a solicitor today regarding the Halifax account. sigh. Will send them a brief letter stating that this account is in dispute (basically the same letter I sent to the LAST solicitor from the LAST DCA). This is getting ridiculous. Sooner or later, Halifax is going to run out of DCAs to use. They just keep flipping from DCA to DCA. Ah well....

Send this, it'll buy you time and shut them up a wee bit: ---> Threat of Legal Action - CCA Request in Default

[liandconsmum]

Re: liandconsmum's UE Diary

Received letter from a solicitor today regarding the Halifax account. sigh. Will send them a brief letter stating that this account is in dispute (basically the same letter I sent to the LAST solicitor from the LAST DCA). This is getting ridiculous. Sooner or later, Halifax is going to run out of DCAs to use. They just keep flipping from DCA to DCA. Ah well....

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Okay. Letters all put together and will be posted today. Thank you.

Good Luck - keep us posted