liandconsmum's UE Diary

[Never-In-Doubt]

Re: liandconsmum's UE diary

Oh, okay, I see. Sorry, things have been insane here lately - 4yo started reception the other day and we had a major incident at the school, and I'm ever so scattered right now. Will pull my brain together now and get moving on these letters. Thanks so much NIDDY.

Best of luck - if you get lost let me know.....

Hope the wee one is ok...?

[liandconsmum]

Re: liandconsmum's UE diary

He is. He's just turned 4 and just started reception. Managed to simply walk out an insecure gate on the playground and into the carpark during playtime. Teacher blamed him, I blamed lack of both supervision and a padlock on the gate. Sorted in the end, but it involved meetings with teacher and headteacher and such. Headteacher was good about it and has sorted a lock on the gate now, so problem solved. But it was a bit chaotic there - hard enough to take little ones to school, but couldn't deal with worrying he'd get lost or hurt while there!

Anyway......
Got a letter from DCA handling the MBNA account (that is UE as listed above). Basically saying "concerned that you have ignored our letters" (they've sent 1 previous that I ignored - the one saying it's enforceable, when it really isn't!) and "this debt won't just go away" and such. Is there some type of final "look quit bothering me, it really IS unenforceable" letter to send to them? (such as viewtopic.php?p=2309#p2309 ?) Their last letter said it was the "last time they would discuss the CCA" basically, which is a bit like sticking their fingers in their ears and claiming "lalalala I'm not listening!"

[Never-In-Doubt]

Re: liandconsmum's UE diary

Anyway......
Got a letter from DCA handling the MBNA account (that is UE as listed above). Basically saying "concerned that you have ignored our letters" (they've sent 1 previous that I ignored - the one saying it's enforceable, when it really isn't!) and "this debt won't just go away" and such. Is there some type of final "look quit bothering me, it really IS unenforceable" letter to send to them? (such as viewtopic.php?p=2309#p2309 ?) Their last letter said it was the "last time they would discuss the CCA" basically, which is a bit like sticking their fingers in their ears and claiming "lalalala I'm not listening!"

Hiya, glad that your son is ok - nightmare situation if he'd got free so to speak!

Regards to MBNA - ignore them, they have issued a final response so fine, leave them to sweat - no reply necessary ok?

[liandconsmum]

Re: liandconsmum's UE diary

works for me, one less letter to write, print, and pay for postage. lol

[Never-In-Doubt]

Re: liandconsmum's UE diary

works for me, one less letter to write, print, and pay for postage. lol

tight sod lol ;LOL ;LOL

[liandconsmum]

Re: liandconsmum's UE diary

NIDDY - We received our CCA from another account today, which I've emailed to you. I can't believe the length of these things!! Thank you so much for taking the time to look these over for us!

I'm just beating my head against a wall right now with Santander and our overdraft. (I know it doesn't qualify for UE, just moaning LOL) We had an agreement for the last 6 months - I pay £50 per month and they stop all interest, fees, and charges. I paid it religiously by standing order for the entire time. I received a letter on 10 Sept (dated 02 Sept) saying thanks for sticking to our payment agreement, that agreement is now done - please pay the entire amount (just under £2000!) within 7 days. Then I sent off a letter to them (on 11 Sept, wasted no time!) requesting that the previous agreement continue. Yesterday I received two letters from them - one is dated 11 Sept saying it's a notice of intent to send default info, and one dated 10 Sept which is actual default notice. Too aggravated to even think straight on this one at the moment!! It says "and pending charges" which means that now that I've FINALLY got it under the £2000 limit (JUST!!), they're going to slam me with interest and charges - which will then take us over the overdraft limit - and then they'll add ANOTHER £60 per month for being over - due to the stupid charges!!! And it will effectively eat up everything I've paid over the last 6 months in one hit! Unfortunately, I think I am going to have to ring them on Monday as I cannot face being put right back where I was 6 months ago!! It's so maddening!! How in God's name do they expect people to pay these things off?!?!?!

[Never-In-Doubt]

Re: liandconsmum's UE diary

NIDDY - We received our CCA from another account today, which I've emailed to you. I can't believe the length of these things!! Thank you so much for taking the time to look these over for us!

Hiya, this is relating to HBOS - the credit card agreement they sent right? Yahoo credit card...?

Shame, its a bloody application form with no prescribed terms. Basically, it is :UE

Respond to Moorcroft :-cow (the owners of the account) with this: ---> viewtopic.php?p=1503#p1503

I'm just beating my head against a wall right now with Santander and our overdraft. (I know it doesn't qualify for UE, just moaning LOL) We had an agreement for the last 6 months - I pay £50 per month and they stop all interest, fees, and charges. I paid it religiously by standing order for the entire time. I received a letter on 10 Sept (dated 02 Sept) saying thanks for sticking to our payment agreement, that agreement is now done - please pay the entire amount (just under £2000!) within 7 days. Then I sent off a letter to them (on 11 Sept, wasted no time!) requesting that the previous agreement continue. Yesterday I received two letters from them - one is dated 11 Sept saying it's a notice of intent to send default info, and one dated 10 Sept which is actual default notice.

Whoah, back=peddle here - they cannot give you a day to clear an overdraft, they must give you a set period of time to clear the arrears, or the technical term is to "Remedy the Breach" - usually this is 28 days - have a read here and see what you think: ---> viewtopic.php?f=55&t=38

Point here though, if they have defaulted you - stop paying it, sod em! Don't pay - ignore it now for 6yrs and let it become statute barred - just stop banking with them......

Too aggravated to even think straight on this one at the moment!! It says "and pending charges" which means that now that I've FINALLY got it under the £2000 limit (JUST!!), they're going to slam me with interest and charges - which will then take us over the overdraft limit - and then they'll add ANOTHER £60 per month for being over - due to the stupid charges!!! And it will effectively eat up everything I've paid over the last 6 months in one hit! Unfortunately, I think I am going to have to ring them on Monday as I cannot face being put right back where I was 6 months ago!! It's so maddening!! How in God's name do they expect people to pay these things off?!?!?!

An overdraft can be recalled at any time, but stop stressing let them default you, then let them sell it to a DCA and then all you do is ngotiate a F&F with the DCA of around 20-25% of the value meaning you'll make money in the long run instead of paying forever

stop stressing and do not ring em monday - let them do what they want, they'll not go for formal action for such a small debt that you have paid and if they do we'll get it set aside for incorrect useage of s.87 & s.88 by way of issuing an unlawful default notice

You should know me, answer for everything - now calm down ok? :xmas9

[liandconsmum]

Re: liandconsmum's UE diary

Niddy - thanks so much! I have put together that letter for the Yahoo/Halifax card and will get it sent. I've just emailed you the response that I got from Tesco today - yet again "no signature - no CCA" basically.

And thank you for the advice on the overdraft. Just waiting to see what develops on that one.

but hey... I'm calm now.... lol

[Never-In-Doubt]

Re: liandconsmum's UE diary

I've just emailed you the response that I got from Tesco today - yet again "no signature - no CCA" basically.

Hiys send this to Tesco: ---> viewtopic.php?p=2307#p2307

[liandconsmum]

Re: liandconsmum's UE diary

NIDDY - that's the one I sent to Tesco last time (this is their 3rd letter saying they need a signature now).

[liandconsmum]

Re: liandconsmum's UE diary

Hmmm... won't let me edit my posts now for some reason... tried to edit and it looks like it just posted it again. Weird. Now don't see a button to edit the post at all.

Anyway, for my own "keeping track" purposes:

Tesco loan - still wrangling over them wanting a signature, currently UE as no CCA received yet and in default

Santander loan - awaiting request for reimbursement of mis-sold PPI

Virgin MBNA - awaiting response from CCA request, currently UE as no CCA received yet and in default

Additions - :UE

Halifax/Yahoo - :UE , sending letter recommended

Santander - Showing £0 balance

Paypal Santander - enforceable, making regular payments

MBNA Santander - :UE

[Never-In-Doubt]

Re: liandconsmum's UE diary

NIDDY - that's the one I sent to Tesco last time (this is their 3rd letter saying they need a signature now).

Stick with it, time to compile a complaint to the ico..... If you already sent that letter just complain and don't send it again.

[liandconsmum]

Re: liandconsmum's UE diary

OK, will do that. I'm off to go dig up info on "ico"... assuming it's here somewhere, as I'm clueless. LOL

Thanks !!

[liandconsmum]

Re: liandconsmum's UE diary

Ok - found the info I need - website as well as other bits and pieces. Thank you!

I will put it all together and send in the complaint ASAP.

(sorry, it's not letting me edit my posts, so couldn't just update previous one)

[Never-In-Doubt]

Re: liandconsmum's UE diary

Can you edit posts now? Should let you, no reason for it not to...? As for ICO - see linky below

---> http://www.ico.gov.uk/complaints/data_protection.aspx