Susies UE Diary

[Susie]

Bought across tidily and looks like it sort of makes sense. Will add to it as and when something happens.

Lloyds card £5k
Taken out 2002/03
CCA request sent 12th July 2010
No reply as yet, get ocasional phone calls but nothing much now


Cap 1 card £4k
Estimated start 2004
CCA request sent 12th July 2010
6th August reply receiced with a reconstituted agreement/copy of the Application certificate that has a bit of a credit agreement at the bottom where I signed.
Get maybe one call a week


Mint card 2k Account closed after interest rate rise.
Taken out Jan/Feb 2005
CCA request sent 12th July 2010
29 July reply with application form and reconstituted agreement - unsigned
Very quiet!!

MBNA (now sold to Experto Credite)
Taken out end of 2003
CCA request sent 12th July 2010
29th July reply received, reconstituted agreement with no signature.
occasional call but pretty quiet

Eggie (now with DLC)
Taken out April 2003
Default notice (1st Feb) and the account has been terminated (2 March)
CCA request sent 12th July 2010
Silence is golden!!


Loan £1k left - currently up to date but will be interest only for a couple of months then I will hopefully be back on track. Was supposed to end Nov
Loan £9k left - enforcable and finishes mid 2014, up to date
Lloyds overdraft on account no longer in use £10k - as above I'm going to write and try to get an agreement to pay a nominal amount monthly, not holding my breath though!

[Susie]

Re: Susies diary

Quick thought, while I have a laptop to use is it worth me sending chasing or in dispute letters Lloyds and Eggie as I have not had replies from either of them to the CCA? If I get the letters on here for tonight she will get them printed tomorrow and I can send them Wednesday?


Edited to add: Ignore that, I will wait another week or 2

[Never-In-Doubt]

Re: Susies diary

Quick thought, while I have a laptop to use is it worth me sending chasing or in dispute letters Lloyds and Eggie as I have not had replies from either of them to the CCA? If I get the letters on here for tonight she will get them printed tomorrow and I can send them Wednesday?


Edited to add: Ignore that, I will wait another week or 2

lol, wise edit - wait a few more weeks - they are unenforceable if they are in default of your cca request so why rush them?

[Susie]

Re: Susies diary

Thanks, I have had a good result with Lloyds this week so am a bit more relaxed about them for a while as its only credit cards I need to sort out!

[Never-In-Doubt]

Re: Susies diary

Thanks, I have had a good result with Lloyds this week so am a bit more relaxed about them for a while as its only credit cards I need to sort out!

what happened with Lloyds lol (sorry had a lot on as you know) ;Qt

[Susie]

Re: Susies diary

I know you have had a lot on so did not want to post anything vaguely distracting!!

I spoke to Lloyds at the branch rather than a call center about the overdraft, told them I wanted to pay it off but had not got a chance at current interest rates blah blah, and asked them to reduce the interest! He put me on hold for a while and then said that they could not reduce it but they could give me a platinum account which would reduce the interest to 10% although it did mean there would be a charge for the account - overall it saves me £58 ish a month that will go towards paying it off, only a small thing but it means no phone calls about it and when I am 100 I will have repaid it 2 At least it can now be ignored unless I am in a position to do a f&f on it and if any of the ebay stuff sells I can put the proceeds to it.
I have just sold the house and had a small amount over so have cleared the loan - was not a lot left when I looked at it properly and its one less thing for me to think about, plus with the reduction in the OD interest rate it was the highest amount of interest on the 3 amounts outstanding that I know are definitely enforcable, so to me thats a big improvement and although I am going to be a bit short this month as I had to add a bit to it, it has gone and I feel a bit better for it.

[Never-In-Doubt]

Re: Susies diary

Nice one - good result really

[Susie]

Re: Susies diary

Eggie (now with DLC)
Taken out April 2003
Default notice (1st Feb) and the account has been terminated (2 March)
CCA request sent 12th July 2010
3 Sept - Copy of agreement received - along with oodles of screen prints for the terms and conditions ;EEK

[enoughisenough]

Re: Susies diary

Mmm... got similar direct from egg on the same day as you! Maybe they are starting to try and track us down!!!

What will you do with the egg one now?

[Never-In-Doubt]

Re: Susies diary

Eggie (now with DLC)

3 Sept - Copy of agreement received - along with oodles of screen prints for the terms and conditions ;EEK

Have a look at the agreement, does it say "Approved Limit" instead of "Credit Limit"?

If so read this here: ---> Egg Card - CCA Flawed?

[enoughisenough]

Re: Susies diary

Still on pause with the Egg thing, although it doesn't look too promising...

[Susie]

Re: Susies diary

Eggie (now with DLC)

3 Sept - Copy of agreement received - along with oodles of screen prints for the terms and conditions ;EEK

Have a look at the agreement, does it say "Approved Limit" instead of "Credit Limit"?

If so read this here: ---> Egg Card - CCA Flawed?

Thanks, mine has the Approved limit, I have read the thread so it looks good in that it should be UE, but, if the court case which is about the wording goes the wrong way it would be acceptable and make it enforcable ;Hmm

enoughisenough: unless Niddy says otherwise in which case I will do as he says, I will probably wait until the court case result comes out and take it from there as it seems that its stalemate until then with Egg and its DCA's saying approved limit is acceptable and us saying its not!

[enoughisenough]

Re: Susies diary

I agree about waiting...

[Never-In-Doubt]

Re: Susies diary

See here: Update on Egg case (well sorta) lol

---> viewtopic.php?f=59&t=222

Don't worry, as I said on that thread - wait and see what Paul. says - he's the expert, and i'm sooo glad we've got him here ;--;

[Susie]

Re: Susies diary

Lloyds card £5k
Taken out 2002/03
CCA request sent 12th July 2010
No reply as yet, get ocasional phone calls but nothing much now

Had another letter (just been filing previous ones as you have enough on your plate without worrying about me!) from collections saying I need to give the matter the most urgent attention negative on credit rating possibility of legal action blah blah - will be filed with the others 2