carol01 UE Diary

[carol01]

Re: carol01 UE Diary

As FP says on Blue Star's thread

yes but their letter was dated and got to me before mine, as mine would have reached today. do i sent the second letter or wait to see what they send next im sure in the next 5-6 days will be another letter feel very uneasy about this company not felt like this in a long time since before i found niddy and you guys on mse

[Pixie]

Re: carol01 UE Diary

As FP says on Blue Star's thread

They can't carry out the threats because they can't enforce while there's an outstanding CCA request - that was the idea behind Blue Star's suggestion of sending a CCA request and 1st Credit will have to obtain them from the OC…

[carol01]

Re: carol01 UE Diary

hi just to update
cca request sent to 1st credit ref halifax account
niddy i know you are busy but i wondered if you had, had a chance to look at the argos application i sent to you, and also the barclay card terms and cancelation rights that mkdp sent telling me they have now fulfilled my request
thanks carol01

hiya
i have recieved a letter from 1st credit ref my halifax account bankruptcy proceedings being considered...
we have written to you on numerous occasions in regards to your halifax account. However the debt still remains unpaid. If we cannot agree repayment terms then unfortunately be left with no option than to pass your account to connaught collections to consider issue of statutory demand .
we would like to advoid the possibility of such proceedings and would accept the pay plan on reverse of this letter ( they want 2264.84 as first payment and then the same each month till debt is paid back) If you agree to repay the debt as suggested then we will suspend the potential proceedings. please not thar missing a payment will lead to termination of the plan and we will pass your case to connaught collections to issue a statutory demand under the insolvency act 1986 ..

first letter recieved 14/8/2012 welcoming me to 1st credit
second letter recieved 24/08/2012 considering bankruptcy proceedings
third letter recieved but dated 28/08/2012 asking me t pay 2264.84 per month!!! niddy i really not liking this company have sent cca yesterday and i have still not recieved from halifax a default notice any advice really really welcome thanks carol01

[carol01]

Re: carol01 UE Diary

When you look at your Halifax application, look out for the Platinum\Gold cockup.

Mine has a wonderful Gold card logo heading the form, then everything else relates to Platinum card. ( your platinum card application ). I had a gold card.

They cant even reconstruct accurately.

hiya my halifax application is for a classic card which is the one i recieved so they are correct for they card i was issued with

[vint1954]

Re: carol01 UE Diary

hi just to update
cca request sent to 1st credit ref halifax account
niddy i know you are busy but i wondered if you had, had a chance to look at the argos application i sent to you, and also the barclay card terms and cancelation rights that mkdp sent telling me they have now fulfilled my request
thanks carol01

When you look at your Halifax application, look out for the Platinum\Gold cockup.

Mine has a wonderful Gold card logo heading the form, then everything else relates to Platinum card. ( your platinum card application ). I had a gold card.

They cant even reconstruct accurately.

[Paul.]

Re: carol01 UE Diary

* Ask Andrew why he uses a shyte phone

i have, many many times, given up asking

[Never-In-Doubt]

Re: carol01 UE Diary

can you not just write one sentence? ive gotta read this you know,

* Ask Andrew why he uses a shyte phone

[Paul.]

Re: carol01 UE Diary

yea yea - it's me you're talking to now boyo......

Ok, to clarify - at this stage all I do is quickly scan over the agreement and paperwork to see if they have anything worth pursuing. Generally speaking the faults are easily rectifiable but in the main we're only looking to see what the state of affairs actually is. Hence at this stage whether I or the user says or does anything wrong doesn't really matter that much as the moment the lender/dca gets heavy then we sit down and discuss things in a lot more detail.

Remember we are kinda like a 'call my bluff' poker game. The last thing we want is court.

Obviously you look at everything as a big and whole complete picture when you read the diaries which is why I prefer you not to be in here cos at this stage it's unnecessary worry for the user...

I hope that makes sense and doesn't come across as a dig at you - which you know is the last thing I'd do. I am trying to say at this stage we're literally playing poker and seeing who backs down first - that is not how you do things, but on here we do.

Avoid the diaries mate, it won't do your dodgy ticker much good when you see some of the stuff in here

can you not just write one sentence? ive gotta read this you know,

[carol01]

Re: carol01 UE Diary

right i can 110% say that the terms they have supplied me with, were not recieved when i recived my card how i know that i have just found my welcome letter and a leaflet from barclays together from 2003 but no barclay conditions so i would not keep a leaflet which only telling me the about 6.9 % on all balance transfers and not keep the terms.

[Never-In-Doubt]

Re: carol01 UE Diary

keeps your mind focused though when the shits been scared outta you.

But on a serious note, the Courts arent a play ground that you should play in if you are only 70% correct, you need to be 100% or you will face difficulty very quickly

its vital that the facts of the case are teased out. I never look at an agreement with my view of what i think the original was like even if i know what it was like. I look at the instructions from my client, then apply the law to the facts. Devil in the detail as allways!! just look at Wegmuller.

yea yea - it's me you're talking to now boyo......

Ok, to clarify - at this stage all I do is quickly scan over the agreement and paperwork to see if they have anything worth pursuing. Generally speaking the faults are easily rectifiable but in the main we're only looking to see what the state of affairs actually is. Hence at this stage whether I or the user says or does anything wrong doesn't really matter that much as the moment the lender/dca gets heavy then we sit down and discuss things in a lot more detail.

Remember we are kinda like a 'call my bluff' poker game. The last thing we want is court.

Obviously you look at everything as a big and whole complete picture when you read the diaries which is why I prefer you not to be in here cos at this stage it's unnecessary worry for the user...

I hope that makes sense and doesn't come across as a dig at you - which you know is the last thing I'd do. I am trying to say at this stage we're literally playing poker and seeing who backs down first - that is not how you do things, but on here we do.

Avoid the diaries mate, it won't do your dodgy ticker much good when you see some of the stuff in here

[Paul.]

Re: carol01 UE Diary

I know that! You don't come here often mate and that's a good thing cos you scare the living crap out of people

keeps your mind focused though when the shits been scared outta you.

But on a serious note, the Courts arent a play ground that you should play in if you are only 70% correct, you need to be 100% or you will face difficulty very quickly

its vital that the facts of the case are teased out. I never look at an agreement with my view of what i think the original was like even if i know what it was like. I look at the instructions from my client, then apply the law to the facts. Devil in the detail as allways!! just look at Wegmuller.

[Never-In-Doubt]

Re: carol01 UE Diary

yes, but the point applies to anyone who reads this.

I know that! You don't come here often mate and that's a good thing cos you scare the living crap out of people

[Paul.]

Re: carol01 UE Diary

* Carol previously told me they weren't received with the card

yes, but the point applies to anyone who reads this.

[carol01]

Re: carol01 UE Diary

just one word of caution

Niddy says the terms arent the right ones for your account. Only you can make that decision, as you are the only one who knows what *WAS* there when you signed the application.

It is a point that often gets missed, and one that must be considered none the less.

no these terms were not present when i filled out the application form as it was out of a magazine so terms were not present when i signed but.... i can not say of they did come when the cards arrived if they did then i will have a copy as i keep everything

[Never-In-Doubt]

Re: carol01 UE Diary

Niddy says the terms arent the right ones for your account. Only you can make that decision, as you are the only one who knows what *WAS* there when you signed the application.

* Carol previously told me they weren't received with the card