carol01 UE Diary

[carol01]

Re: carol01 UE Diary

They must have forgot what they last sent to you and also misread your letter if they think it's a CCA Request!

Ignore it for now, nothing to respond to really...

hi all
after 5 weeks of nothing and i mean nothing no phone calls, letters or people knocking at my door natwest has reered it ugly head again in the form of moorcroft.
it says... we have been instructed to collect your overdue debt. It is a legal requirement to send a notice of intended litigation before legal procceedings are issued.We believe that this letter fulfils this requirement even if it is not read by you.
to prevent our recommending to our client that solicitors commence legal proceedings it is essential that you settle this debt without delay. it goes on to say contact them before 10/08/2011 and if it goes to court i will have to pay all the costs aswell.
quick recap
n-i-d says it was a blass up of an application and holds no weight in court also it has been around the block a few times with different dca's should i sent Threat by Lender/D.C.A - To commence litigation
do you think?
thanks in adavnce
carol01

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
i have recieved a letter back from aic ref my natwest account
is says ...
thankyou for your recent letter
as we are currently acting on behalf of natwest credit services in respect of recovering the outstanding balance on this account,we are unable to comply with your request.
such requests need to be addressed to the legal owners of the product,which in this case is natwest card services.
to enable them to provide the documentation you have requested you should contact the bank direcly wrinting to:
address given
you will also need to ensure that your request is accompanied bya 1.00 cheque or postal order made payable to the client name as stated above.
may i also take this opportunity to remind you that the full outstanding balance on this accountis due and owing. you will need to contact our offices upon receipt of this letter to prevent further recovery action being taken.


quick recap
natwest sent application form no terms or cons attactched in your words it was a blass-up of an application that holds no legal weight in court!
thanks n-i-d inadvance

They must have forgot what they last sent to you and also misread your letter if they think it's a CCA Request!

Ignore it for now, nothing to respond to really...

[Never-In-Doubt]

Re: carol01 UE Diary

hiya i still have not recieved a default notice for this account yet but on my credit file it was defaulted on 4/10/2010 does this make any difference.
thanks n-i-d

At this stage no, possibly if they try and enforce it... don't worry about this just yet

[carol01]

Re: carol01 UE Diary

Send this back to AIC: ---> Threat by Lender/D.C.A - To commence litigation

hiya n-i-d
i have recieved a letter back from aic ref my natwest account
is says ...
thankyou for your recent letter
as we are currently acting on behalf of natwest credit services in respect of recovering the outstanding balance on this account,we are unable to comply with your request.
such requests need to be addressed to the legal owners of the product,which in this case is natwest card services.
to enable them to provide the documentation you have requested you should contact the bank direcly wrinting to:
address given
you will also need to ensure that your request is accompanied bya 1.00 cheque or postal order made payable to the client name as stated above.
may i also take this opportunity to remind you that the full outstanding balance on this accountis due and owing. you will need to contact our offices upon receipt of this letter to prevent further recovery action being taken.


quick recap
natwest sent application form no terms or cons attactched in your words it was a blass-up of an application that holds no legal weight in court!
thanks n-i-d inadvance

[carol01]

Re: carol01 UE Diary

First glance it looks enforceable but I cannot see the whole document, on page 2 (terms) under the heading "Loss & Misuse of Card" to the right there is a code, it ends with a date 12/0

I need that date - to confirm for you.

hiya i still have not recieved a default notice for this account yet but on my credit file it was defaulted on 4/10/2010 does this make any difference.
thanks n-i-d

[carol01]

Re: carol01 UE Diary

First glance it looks enforceable but I cannot see the whole document, on page 2 (terms) under the heading "Loss & Misuse of Card" to the right there is a code, it ends with a date 12/0

I need that date - to confirm for you.

hiya the date is 12/02 on the loss and misuse part
thanks n-i-d

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
i sent you an email on 8/06/2011 (copy of my halifax cca) as requested and i was just wondering if you have had a chance to look at it yet. all my accounts are now up to date except this one no rush
thanks n-i-d

First glance it looks enforceable but I cannot see the whole document, on page 2 (terms) under the heading "Loss & Misuse of Card" to the right there is a code, it ends with a date 12/0

I need that date - to confirm for you.

[carol01]

Re: carol01 UE Diary

Email it please. I'll do it

hiya n-i-d
i sent you an email on 8/06/2011 (copy of my halifax cca) as requested and i was just wondering if you have had a chance to look at it yet. all my accounts are now up to date except this one no rush
thanks n-i-d

[carol01]

Re: carol01 UE Diary

sorry but I simply cannot help you any more if you are not responding to legal threats.

Obviously it doesn't matter to you. Its these that no matter what take precedence as they will take you to court if you ignore them!

Make your mind up, I'll happily help when you stop wasting my time by making me reply to your posts to then ignore the advice given; sorry but when you get legal threats you must deal with them. Simple.

I know you have had other issues but so have half the other members here and they still deal with their threats accordingly. Sorry but you need to wake up to this and respond to anything that has the word legal in it asap - you cannot "not get a chance to send it" - it should be printed and posted within a day of my suggesting you send it!

ok thanks will do
letter sent and thanks for the kick up the bum
it won't happen again

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
i have had a response off aic they are offering 50% off the balance if i choose to take it, it will be 10%deposit and then 137.77 per month for 60 months i have not had a chance to send d.c.a -to commence litigation sorry
thanks n-i-d in advance

sorry but I simply cannot help you any more if you are not responding to legal threats.

Obviously it doesn't matter to you. Its these that no matter what take precedence as they will take you to court if you ignore them!

Make your mind up, I'll happily help when you stop wasting my time by making me reply to your posts to then ignore the advice given; sorry but when you get legal threats you must deal with them. Simple.

I know you have had other issues but so have half the other members here and they still deal with their threats accordingly. Sorry but you need to wake up to this and respond to anything that has the word legal in it asap - you cannot "not get a chance to send it" - it should be printed and posted within a day of my suggesting you send it!

[carol01]

Re: carol01 UE Diary

Send this back to AIC: ---> Threat by Lender/D.C.A - To commence litigation

hiya n-i-d
i have had a response off aic they are offering 50% off the balance if i choose to take it, it will be 10%deposit and then 137.77 per month for 60 months i have not had a chance to send d.c.a -to commence litigation sorry
thanks n-i-d in advance

[carol01]

Re: carol01 UE Diary

Email it please. I'll do it

hiya thanks n-i-d
email sent

[Never-In-Doubt]

Re: carol01 UE Diary

have recieved a letter from moorcroft today
they are disappointed they have not recieved any correspondence from me but have been given a settlement figure from barclay card its a 30% discount and i have 30 days to take this offer and then my account will show as settled.
ouick recap
they sent appliction form with no terms or cons attached
thanks n-i-d in advance

Just ignore

[carol01]

Re: carol01 UE Diary

Ok thanks for the last post, helps explain this one that i'm quoting better now.

You need to ignore them..... they've mis-read what you have sent them (muppets)!

have recieved a letter from moorcroft today
they are disappointed they have not recieved any correspondence from me but have been given a settlement figure from barclay card its a 30% discount and i have 30 days to take this offer and then my account will show as settled.
ouick recap
they sent appliction form with no terms or cons attached
thanks n-i-d in advance

[Never-In-Doubt]

Re: carol01 UE Diary

Email it please. I'll do it