carol01 UE Diary

[carol01]

Re: carol01 UE Diary

Are those meant to be the terms from inception that should have been linked to that application form? Or just random T&Cs from another year?

yes i think they are the set from 2003 and they also sent a set from 2009 as

[carol01]

Re: carol01 UE Diary

did you send them It's an application form?

if you did I would now do a one liner referring them to that letter.

hiya mrs D
no it was with shivers and stachan solicitors last sept/november so niddy said to send
Threat by Creditor - Threat-o-Gram Letter Before Action which i did.
first i heard from MKRR in january thanking me for the recent comunication
with the first set of statements then nothing until now but letter is from MKDP with a set of statements terms and cons and cancellation rights

[MrsD]

Re: carol01 UE Diary

did you send them It's an application form?

if you did I would now do a one liner referring them to that letter.

[carol01]

Re: carol01 UE Diary

hi all
i have recieved another set of statements from barclay card from MKDP stating that barclay card have fulfilled their obligations under section 78 of the cca 1974 and that they no longer except that this account is in dispute.
they have sent me every statement from 2006 even thought the card was taken out in 2003, also they have sent the terms and conditions rights to cancel from 2003 and from 2009 but not the application form i signed thats the only part missing shall i just wait to see what happens thanks inadvance carol01

oh and quick recap niddy says ue as its an application form

[carol01]

Re: carol01 UE Diary

hi all
i have recieved another set of statements from barclay card from MKDP stating that barclay card have fulfilled their obligations under section 78 of the cca 1974 and that they no longer except that this account is in dispute.
they have sent me every statement from 2006 even thought the card was taken out in 2003, also they have sent the terms and conditions rights to cancel from 2003 and from 2009 but not the application form i signed thats the only part missing shall i just wait to see what happens thanks inadvance carol01

[Never-In-Doubt]

Re: carol01 UE Diary

Lots of these happened over the last week - maybe HBOS shifted a new portfolio to 1st Credit?.....

[Deepie]

Re: carol01 UE Diary

hi all
i have recieved a letter today from halifax that they have sold my acount to 1st credit on 31/07/2012 for 13588.99 also i recieved in the same envelope a letter from 1st credit they have been assigned all rights to this debt and i need to contact them a.s.a.p
quick recap... account defaulte no default ever sent out and maybe enforcibleish as niddy still hasn't told me if it is yet just to see what happens do i need to respond with any thing
thanks inadvance carol01

If it were me I would see what 1st Credit do next............

[carol01]

Re: carol01 UE Diary

hi all
i have recieved a letter today from halifax that they have sold my acount to 1st credit on 31/07/2012 for 13588.99 also i recieved in the same envelope a letter from 1st credit they have been assigned all rights to this debt and i need to contact them a.s.a.p
quick recap... account defaulte no default ever sent out and maybe enforcibleish as niddy still hasn't told me if it is yet just to see what happens do i need to respond with any thing
thanks inadvance carol01

[carol01]

Re: carol01 UE Diary

I second that Dopey. No need to panic Carol.

I've had several "ccas" that I thought were enforceable...until Niddy said they were UE.

thanks pixie it looks like an appliction form but we shall see

[carol01]

Re: carol01 UE Diary

Have you sent Niddy the purported CCA? ---> agreements@all-about-debt.co.uk

no will upload it today hopefully it will be ue fingers crossed

[carol01]

Re: carol01 UE Diary

don't panic, send it off to Niddy so that he can have a look, just because they've sent a bit of paper doesn't mean it's compliant

good luck

i know i was more shocked when i seen it, it has taken them 2.5 years and several dca's saying they cannot locate it, and its been there all the time

[Pixie]

Re: carol01 UE Diary

I second that Dopey. No need to panic Carol.

I've had several "ccas" that I thought were enforceable...until Niddy said they were UE.

[MrsD]

Re: carol01 UE Diary

don't panic, send it off to Niddy so that he can have a look, just because they've sent a bit of paper doesn't mean it's compliant

good luck

[carol01]

Re: carol01 UE Diary

hi all update only..
recieved a letter today ref my argos store card
it says
we have recently been contacted by home retail group in respect of the query you raised with us in february and are now in the position to comment.
home retail group have informed us to advise you to submit a s77/78 cca request directly to them as moorcroft would not be in a postition to fulfil the obligations under this request for you.
we have however requested that home retail group provide us with this documentation without you making the requst again.
account on hold until home retail group respond.
i have a letter form moorcroft stating they cannot locate the cca
so shall wait and see what happens now
thanks carol01

hi all
so i have had a response from lowell ref my argos account they have found the cca!!!! it is only an application form but is the one from 2002.
so i have 14 days now to pay do i need to respond with anything
thanks carol 01

[carol01]

Re: carol01 UE Diary

hi all
can not believe my diary got to page 5!! this has to be the longest time yet i have not recieved any correspondence no threats, calls, since 21/04/2012. so any one reading this that is just starting out on the ue journey the letters and threats and phone calls do get less and less as time goes on.
i have recieved a letter from nelson guest and partners solicitors ref my natwest credit card it says...
we are instructed by westcot credit services acting on behalf of royal bank of scotland regarding the above outstanding balance. as a final attempt to avoid further action, westcot is prepared to offer you a discount to settle your account. you should contact westcot to agree a suitable settlement, or the offer will be withdrawn and further action will continue for the full amount. i have 10 days
quick recap niddy says its a blass up and would hold no legal weight in court thanks in advance carol01