Susies UE Diary

[Never-In-Doubt]

Re: Susies UE Diary

I am happy to keep paying as it was an agreed amount that is affordable so will carry on with it
Thanks again, I will try and relax a bit about it and see what happens

Ok, keep us updated yea? And don't stress, it's not that bad really.... think about it and look around here, it's really not that bad

[Susie]

Re: Susies UE Diary

Will do, and many thanks again

[Susie]

Re: Susies diary

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.
11.9.10 Arrears letter received My formal arrangement to pay has fallen behind - I was not aware that I had made any arrangement to pay but a good try ;LOL
22.10.2010 Very kindly sent me some paperwork including a totally illegible bit that I had signed, (it was the size of a tear off payment strip that you have at the bottom of a bill) and the accompanying sheet from asset sales with customer name, account, sold to, and by the bit that says credit agreement they have typed illegible. I cannot read it and doubt anyone else could so have no idea if it has any of the prescribed terms on it but I do remember something about it still being UE? There is also a legible copy (probably reconstituted) with no signature that has terms and conditions on the back.
They consider they have satisfied their obligations uncer section 78 and now deem the matter to be enforcable.
11.11.2010 I replied carefully as I could not remember the template saying that it did not comply with the requirements and that the account would remain in dispute. So far nothing more from them.

27.1.2011 Letter from Credit Management Consultants saying that I have disregarded all efforts to resolve the situation amicab ly and that failure to respond within 7 days may result in solicitors being instructed to consider the following action - court claim being issued, judgement obtained, baliffs seizing goods, attachment of earnings, charging order etc Please contact them within 7 days to arrange payment of the o/s balanceand who to make my payment to - interesting that EC had not replied to MY letter though!!.

I went through some old stuff last night and over a year ago I was offered 20% from MBNA as a f&f payment (was when I phoned them to try and sort out an agreement - Wrong I know but it was well before I knew you) and I also sent them a letter saying the account was in dispute so technically it may have been sold to EC while in dispute - not sure if that will help at all. If I could get a f&f of around 15% I would take it just to get this one away as its the biggest of them and other than eggie its my biggest worry. At the moment its only threats, but I did notice on another thread that MBNA are going for the jugular more often now so if EC are the same it may be worth it?
Edited to add, What they sent as the "agreement" must have been t&c from an application form as there is a huge white space on the "front" page, and an address to send it back to on the reverse....
31.1 2011 Letter from HL solicitors saying if they do not get a reply they will be taking further action

[Susie]

Re: Susies UE Diary

24.1.2011 Letter received from Lloyds - they are looking into my complaint but it could take 28 days to respond! Filed as I have no problem waiting a bit longer
Thankies

Lovely letter from Lloyds saying that they are looking for the requested documents but from the contents of the letter they are concerned that I am taking advice from a third party or internet source that may be incorrect ............

[Susie]

Re: Susies UE Diary

Not been online recently, various things including a house move and now have access to intermittant dialup only If I am not on or able to reply for a couple of days I am not being rude, I just have no access to the internet.
Things have got worse as I have not had access to your so valuable help, results being as follows -
Edited to say I have not emailed you any of the letters as I'm not sure which ones you want to see and don't want to waste your time by sending a load of stuff you don't neeed.
Cap 1 credit card £4k
Estimated start 2004
12th July 2010: CCA request sent
6th August: Received reply with a reconstituted agreement + copy of the Application certificate that has a bit of a credit agreement at the bottom where I signed.
13th Sept: Sent viewtopic.php?p=1624#p1624
1st October: Received letter saying they have complied with S78 by providing reconstituted terms and scanned copy of signature page of original agreement (its the application form that was signed). No further correspondance from them, agreement is enforcable and will be treated as such, pay up! Goes on to refer me to warnings issued by MOJ if I am using a claims management company ;LOL Its their final response, so I am filing it and ignoring them.
17.10.2010 Default served under S87 of CCA 1974, payment must reach them within 28 days, if payment is made in that time no further action will be taken.
20.10.2010 Notice of sum in arrears
29.10.2010 Letter saying its important to act now to avoid further action
19.11.2010 Letter saying officially in default, account terminated
23.1.2010 letter from FTC, they have been appointed their managing agent, and payment must be sent without delay.
1.12.2010 letter from FTC, I have chosen not to deal with this matter despite previous communication contact us now to discuss a suitable solution to this matter. Against the rules I know, but I phoned them and just said the account was in dispute with Cap 1, I would not say more or why it was in dispute so pissed the person off bigtime as I would not answer his question but the account is on hold and I have 14 days to write to them.

31.1.2011 Letter fron Capquest saying pay up or else, will send letter re doorstep visit and await instructions as to anything further that needs sending!

[Never-In-Doubt]

Re: Susies diary

27.1.2011 Letter from Credit Management Consultants saying that I have disregarded all efforts to resolve the situation amicab ly and that failure to respond within 7 days may result in solicitors being instructed to consider the following action - court claim being issued, judgement obtained, baliffs seizing goods, attachment of earnings, charging order etc Please contact them within 7 days to arrange payment of the o/s balanceand who to make my payment to - interesting that EC had not replied to MY letter though!!.

Hiya, don't worry - right now it is UE and if they try and take action we'll rip everything apart as we are doing with the other MBNA's - that we will win, by the way

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

[Never-In-Doubt]

Re: Susies UE Diary

Lovely letter from Lloyds saying that they are looking for the requested documents but from the contents of the letter they are concerned that I am taking advice from a third party or internet source that may be incorrect ............

Yea, seen that a lot and I laugh everytime, incorrect advice - they dare to insult the internet like that considering they can't even get qualified advice correct! Muppets make me laugh, they actually think that it affects us - yep, i'm gonna go cry

[Never-In-Doubt]

Re: Susies UE Diary

31.1.2011 Letter fron Capquest saying pay up or else, will send letter re doorstep visit and await instructions as to anything further that needs sending!

Nope, just send the doorstep threat template for now...

[Susie]

Re: Susies UE Diary

Hiya, don't worry - right now it is UE and if they try and take action we'll rip everything apart as we are doing with the other MBNA's - that we will win, by the way

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

Thanks, it will be sent asap

Yea, seen that a lot and I laugh everytime, incorrect advice - they dare to insult the internet like that considering they can't even get qualified advice correct! Muppets make me laugh, they actually think that it affects us - yep, i'm gonna go cry

Well it worried me so much I nearly went to sleep

Nope, just send the doorstep threat template for now...

Yay I got it right, thanks a lot, will be interesting to see if there is any reaction other than oh poop its one from that nasty internet person who keeps beating us

[Never-In-Doubt]

Re: Susies UE Diary

[Susie]

Re: Susies UE Diary

Cap 1 credit card £4k
Estimated start 2004
12th July 2010: CCA request sent
6th August: Received reply with a reconstituted agreement + copy of the Application certificate that has a bit of a credit agreement at the bottom where I signed.
13th Sept: Sent viewtopic.php?p=1624#p1624
1st October: Received letter saying they have complied with S78 by providing reconstituted terms and scanned copy of signature page of original agreement (its the application form that was signed). No further correspondance from them, agreement is enforcable and will be treated as such, pay up! Goes on to refer me to warnings issued by MOJ if I am using a claims management company ;LOL Its their final response, so I am filing it and ignoring them.
17.10.2010 Default served under S87 of CCA 1974, payment must reach them within 28 days, if payment is made in that time no further action will be taken.
20.10.2010 Notice of sum in arrears
29.10.2010 Letter saying its important to act now to avoid further action
19.11.2010 Letter saying officially in default, account terminated
23.1.2010 letter from FTC, they have been appointed their managing agent, and payment must be sent without delay.
1.12.2010 letter from FTC, I have chosen not to deal with this matter despite previous communication contact us now to discuss a suitable solution to this matter. Against the rules I know, but I phoned them and just said the account was in dispute with Cap 1, I would not say more or why it was in dispute so pissed the person off bigtime as I would not answer his question but the account is on hold and I have 14 days to write to them.
31.1.2011 Letter fron Capquest saying pay up or else, will send letter re doorstep visit and await instructions as to anything further that needs sending!

10.2.2011 Letter from Capquest saying (in a nutshell) I have no CC judgements against me at the address and they are trying to help, please contact them as they may reccomend court action.
Not sending it to you as it seems to be a standard letter that you have seen many times before
I assume I send the Threat by Lender/D.C.A - To commence litigation to these as well?

[Never-In-Doubt]

Re: Susies UE Diary

10.2.2011 Letter from Capquest saying (in a nutshell) I have no CC judgements against me at the address and they are trying to help, please contact them as they may reccomend court action.
Not sending it to you as it seems to be a standard letter that you have seen many times before
I assume I send the Threat by Lender/D.C.A - To commence litigation to these as well?

Yes, send that to them as well.....

[Susie]

Re: Susies UE Diary

Yes, send that to them as well.....

thanks, will send it asap

[Susie]

Re: Susies diary

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
10.9.10 Letter received account is in arrears ([size=5]never!!!!) urging me to make a payment - filed
22.10.2010 They have been unsuccessful in trying to contact me and are refering to resolvecall.
1.11.2020 Letter from resolvecall saying please contact them.
11.11.2010 from what I remember of the template letters I sent a lovely letter sent to Mint pointing out that the account was in dispute, and that there was no loss of contact, they simply could not as I had told anyone when I did pick up the phone deal with me by the telephone and that all contact should be in writing. Not as good as the one from our beloved leader but not bad for an old bag!!
22.10.10 Notice of default sum
18.11.2010 Thanks for letter of 11 November concerning banks alleged breach of CCA, they have supplied a copy of credit agreement, original and current terms and statement showing outstanding balance therefore they have met their obligationsunder s78(1) to provide a copy of the executed agreement and they are satisfied they have complied with regulations expressly made for controlling what is a true copy.
No reason to enter into further correspondance re alleged CCA breaches, if I am not satisfied I can seek whatever legal redress I consider open to me.
They do not consider the account to be in dispute it remains payable and they will be seeking full repayment. They suggest I talk to citizens advice!!!
23.11.2010 Default notice Please read immediately. If I do not pay arrears account will be recorded as a default this will remain on my file for 6 years....
24.11.2010 Notice being sent as required by CCA 1974 as I am behind with my payments
24.11.2010 Account termination letter, my account will be reported to CRA's as a default if payment proposals have not been made within 28 days.
24.11.2010 Default sum notice - duely filed

11.2.2011 received letter from Allied International Credit briefly it says - URGENT final notice of intent (you have probably seen loads) Continued failure to contact AIC despite numerous letters (what numerous letters) clients have authorised them to consider (word noted) issuing court proceedings. No further notice will be given.
Respond with Threat by Lender/D.C.A - To commence litigation ? If so I am getting better!!

[Never-In-Doubt]

Re: Susies diary

Respond with Threat by Lender/D.C.A - To commence litigation ? If so I am getting better!!

You got it - well done