liandconsmum's UE Diary

[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

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

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

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!

[liandconsmum]

Re: liandconsmum's UE Diary

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

[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

Having heard nothing from Virgin re our PPI reimbursement, I am debating sending them a "okay, we've waited long enough" letter.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Having heard nothing from Virgin re our PPI reimbursement, I am debating sending them a "okay, we've waited long enough" letter.

Yep, consider doing that - also may be an idea to create a new thread in the reclaiming section, to keep it separate from the UE diaries: ---> Reclaiming

[liandconsmum]

Re: liandconsmum's UE Diary

Brief update.

2 accounts have been moved to Credit Management Consultant. Interestingly enough, this CMC has the same address and is a trading name of Experto Credite (says so right on their letter head LOL), which is the DCA they were already with. The letter states the account has been "escalated" to them.... escalated to what? the next room?

Anyway, both these accounts were unenforceable, thus in dispute, so do I send two "sold while in dispute" as well as adding the part about "no home visits" as they mention sending field agent to house? Argh! Technically, they were not "sold" as it's obviously still with Experto Credite. And they've already been told once no home visits, but obviously they need this reiterated ... perhaps in either bigger letters or smaller words...not sure which....

Do we have a template for DCAs that basically says "you're really getting on my nerves, I've responded in plain English - don't bother me until you have a clue" ?? I'd REALLY like one of those please!

Interesting to note they are true to form... date on letter 11/05/11... recvd on 17/05/11... says to contact them within 7 days from date of letter. I don't do phone calls, and they know this.... nice try though.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Do we have a template for DCAs that basically says "you're really getting on my nerves, I've responded in plain English - don't bother me until you have a clue" ?? I'd REALLY like one of those please!

Try this ---> Enough is Enough Template

[liandconsmum]

Re: liandconsmum's UE Diary

Very nice. Short, sweet, and to the point. I will get those put together and posted. Thank you very much!

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Very nice. Short, sweet, and to the point. I will get those put together and posted. Thank you very much!

Best of luck

[liandconsmum]

Re: liandconsmum's UE Diary

Whoops!!! Stupid me! I double checked the account numbers, and while I will use the above "enough is enough" letter for one account, the other is actually one that's enforceable. That one is the Virgin one that we are still waiting for the PPI reimbursement on. The DCA has been saying that the PPI claim is not their concern and that we still need to be paying them as it has nothing to do with them.... hmmmm

[Never-In-Doubt]

Re: liandconsmum's UE Diary

The DCA has been saying that the PPI claim is not their concern and that we still need to be paying them as it has nothing to do with them.... hmmmm

Utter nonsense - sod them! They cannot take action if you're reclaiming PPi, don't worry

[liandconsmum]

Re: liandconsmum's UE Diary

Okay, thank you! I wasn't really sure. They bought the debt off Virgin and said that since Virgin would have to reimburse me directly as it was closed on their end, they said it was two separate issues.

Ah... the complications. I will send them the "enough is enough" letter as well then?