carol01 UE Diary

[carol01]

hi all
started my ue in march sent cca to halifax
recieved my original agreement back to my horror
n-i-d advised to "blag it" as the prescribed terms and conditions were not 100% linked
have sent debators final response and i am still waiting for reply.Account is now with albion and interest still being added to account.also had a door step visit from resolve call have sent door step threat letter.

sent a cca to argos via moorcroft in march
they don't have my agreement and after 5 seperate threats to start litigation they have now passed the account back to argos .It was then sent to fredrickson international who again have sent a pre litigation letter.i have responded with a copy of the letter from moorcroft stating that argos have not got my cca as far as i am aware this is now forgot about with 5 years and 7 months to go
:UE ;Na
sent cca to barclay card in may the have replied with current terms and conditions
so i am going to send cca query terms and condition supplied. they have now sent my original cca appliction back its not a good copy and very blurred so i have requested a clearer copy. have had a door step visit from barclay card via power 2 contact again threat of door step visit letter sent :UE as per nids instructions ;Na

sent cca request to natwest they again have sent back the original agreement whole of six pages will email to n-i-d when he has a little bit more time .also have had a door step visit from natwest, again have sent threat of door step visit.have had my letter pre default notice i have 14 days from today to correct the account or it will be defaulted and the will utilise the right to use roso on any accounts held with them.
also have a over draft with natwest which is 1p over the overdraft limit which i hope they will default soon so the interest stops and i can start to make head way in paying some money back.
even if all accounts are enforcable i am hoping once they have defaulted they will stop putting interest on the debts i can then start to pay back all monies owed but the interest is crippling me.
thats all total debt amount 29,500.00 tlook natwest is :UE as per n-i-ds instructions ;Na

[Never-In-Doubt]

Re: carol01 ue quest

Well done, you're well on top of things - even better that you've fended off 3 doorstep visits, the tossers - they really wind me up so they do

Well done you, that's all I can say

Keep us posted on developments, keep your chin up - you'll get there, eventually....

[carol01]

Re: carol01 ue quest

hi n-i-d
would it be alright to email you my natwest application to you sometime next week maybe as i know you have been very busy
thanks inadvance

[Never-In-Doubt]

Re: carol01 ue quest

hi n-i-d
would it be alright to email you my natwest application to you sometime next week maybe as i know you have been very busy
thanks inadvance

yep feel free and tell me what you want me to do with it (in the email) and add username in subject line lol.

thanks

[carol01]

Re: carol01 ue quest

hi n-i-d
would it be alright to email you my natwest application to you sometime next week maybe as i know you have been very busy
thanks inadvance

yep feel free and tell me what you want me to do with it (in the email) and add username in subject line lol.

thanks

hiya n-i-d
well i would like you to rip it up into a million pieces and set it alight but seems like you can't do that through a pc would you please check to see if its enforcable for me i will email it on tuesday if thats ok thanks inadvance ;--G

[Never-In-Doubt]

Re: carol01 ue quest

hiya n-i-d
well i would like you to rip it up into a million pieces and set it alight but seems like you can't do that through a pc would you please check to see if its enforcable for me i will email it on tuesday if thats ok thanks inadvance ;--G

Hiya

Ok, no problemo - will update here when you email it over k

[carol01]

Re: carol01 UE Diary

hi n-i-d
i have emailed you my natwest cca i recieved off them. i also recieved with my cca application a photo copy of some sort of pamphlet which they say they sent to me it might have been with credit card when i recieved it can't remember, credit agreement regulated by the consumer credit act 1974 about my rights to cancel and also the rates of interest and equivalent APRs table but there is no date on the letter do you need to see them? account now defaulted and trition have been put on the case but it is still with natwest thanks n-i-d

[carol01]

Re: carol01 UE Diary

hi n-i-d
i have recieved a letter from fredrickison international again giving me my final option to pay the debt before legal proceedings i have 48 hours even though the letter is dated 27/09/10 and now it is 30/09/10 and i only recieved this today, any way i have sent back a letter telling fredrickson that the account is ue and also copied the letter from moorcroft stating argos do not have my cca. i sent it recorded delivery on 27/07/10 and checked through track and trace and it still says it is somewhere in the postal system should i send the same letter again thanks n-i-d for your help

[Never-In-Doubt]

Re: carol01 UE Diary

hi n-i-d
i have recieved a letter from fredrickison international again giving me my final option to pay the debt before legal proceedings i have 48 hours even though the letter is dated 27/09/10 and now it is 30/09/10 and i only recieved this today, any way i have sent back a letter telling fredrickson that the account is ue and also copied the letter from moorcroft stating argos do not have my cca. i sent it recorded delivery on 27/07/10 and checked through track and trace and it still says it is somewhere in the postal system should i send the same letter again thanks n-i-d for your help

No need to send it again - you've sent it, that's cool....

Just sit tight - don't panic ok?

[Never-In-Doubt]

Re: carol01 UE Diary

hi n-i-d
i have emailed you my natwest cca i recieved off them. i also recieved with my cca application a photo copy of some sort of pamphlet which they say they sent to me it might have been with credit card when i recieved it can't remember, credit agreement regulated by the consumer credit act 1974 about my rights to cancel and also the rates of interest and equivalent APRs table but there is no date on the letter do you need to see them? account now defaulted and trition have been put on the case but it is still with natwest thanks n-i-d

Hiya Natwest is :UE

Basically there are NO prescribed terms attached, there is also no separate agreement for the PPi (in line with s.18 CCA1974) nor is there any link to cancellation rights. Put simply it is a blass-up of an application that holds no legal weight in court!

If for any reason they went to court and did win *gasp in horror* then i'd be saying reclaim all PPi and charges which would knock 50% + off the debt anyways!

Respond with this: ---> viewtopic.php?p=1629#p1629

[carol01]

Re: carol01 UE Diary

hi n-i-d
i have emailed you my natwest cca i recieved off them. i also recieved with my cca application a photo copy of some sort of pamphlet which they say they sent to me it might have been with credit card when i recieved it can't remember, credit agreement regulated by the consumer credit act 1974 about my rights to cancel and also the rates of interest and equivalent APRs table but there is no date on the letter do you need to see them? account now defaulted and trition have been put on the case but it is still with natwest thanks n-i-d

Hiya Natwest is :UE

Basically there are NO prescribed terms attached, there is also no separate agreement for the PPi (in line with s.18 CCA1974) nor is there any link to cancellation rights. Put simply it is a blass-up of an application that holds no legal weight in court!

If for any reason they went to court and did win *gasp in horror* then i'd be saying reclaim all PPi and charges which would knock 50% + off the debt anyways!

Respond with this: ---> viewtopic.php?p=1629#p1629

hiya n-i-d
thankyou for looking at my application for me i will send letter tomorrow thankyou n-i-d i am one happy bunny today ;-y ;-y

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
thankyou for looking at my application for me i will send letter tomorrow thankyou n-i-d i am one happy bunny today ;-y ;-y

Nice one, keep us updated with developments ;-y

[carol01]

Re: carol01 UE Diary

hiya n-i-d ;Hi1
ref barclay card
started 2003
last payment made april 2010
account status missed payments but no default although i am recieving letters from mercers
requested cca in april, recieved application back august 2010, but it was quite unreadable so requested a clearer copy and recieved this (emailed to you) still not the best copy as it is still quite blurred. would you cast your beady eye over this, i have looked at the the flow chart and i think it is :UE but would like you to confirm it for me thanks n-i-d inadvance

[Never-In-Doubt]

Re: carol01 UE Diary

It is indeed UE - its an application form!

respond with this: ---> viewtopic.php?p=1629#p1629

[carol01]

Re: carol01 UE Diary

hiya n-i-d ;Hi1
thanks for checking over my application form for me
so i have now recieved all 4 of my cca requests back 3 are :UE and 1 which i am blagging
i suppose this is were the hard bit starts now the banks not accepting unenforceablilty ;Spank
will post back when the darkside (the banks) respond with their letters
thanks again n-i-d for all your help ;K7