Susies UE Diary

[Susie]

Re: Susies UE Diary

Egg (I know you don't deal with it but I may as well add it to the sad tale) are no longer accepting my payment and are taking court action and looking to get a charge over the house. Nothing I can do due to the court case ruling so am stuffed on that one and they will only accept 80% in settlement so I have no chance of anything there.

Letter received from Aplins, they have been contacted by DLC on nbehalf of Egg to take steps to recover the balance. If I do not contact DLC within 7 days proceedings "may" be commenced without further notice.
Is it worth trying a f&f with them now? I only have a very small amount that I can offer but it may be worth a shot.

[Never-In-Doubt]

Re: Susies UE Diary

3.3.2011 Wescot letter received - sending template for no CCA received please go away as am going to the post office soon and it will save a trip again later. Hoping its the right thing to do.

yep, nice one.

[Never-In-Doubt]

Re: Susies UE Diary

Letter received from Aplins, they have been contacted by DLC on nbehalf of Egg to take steps to recover the balance. If I do not contact DLC within 7 days proceedings "may" be commenced without further notice.
Is it worth trying a f&f with them now? I only have a very small amount that I can offer but it may be worth a shot.

Can you give me more of an update, some history/time lines please?

[Never-In-Doubt]

Re: Susies UE Diary

Many thanks for that, it will let me have an attachment for this reply but the option is not there for a pm. I will try to send you an email instead and hope you can read it!

This facility now works by the way

[Susie]

Re: Susies UE Diary

Can you give me more of an update, some history/time lines please?

Well middle of last year when I was awaiting the outcome of the court case I played it safe and came to an agreement to pay what was an affordable amount each month so if things went the wrong way at court I wa being nice and if it did not I could stop paying and go for UE.
In December they wrote saying that they wanted full payment or they were going to go for a charging order on my house, I emailed you the letter explained why and that had the numbers on it.
All quiet since then until this arrived
The account has a signature and although it was the wrong wording on it thats no good because of the court case

This facility now works by the way

Flash sod Takes some doing to get things like that working though as I know from my experience!

[Never-In-Doubt]

Re: Susies UE Diary

Well middle of last year when I was awaiting the outcome of the court case I played it safe and came to an agreement to pay what was an affordable amount each month so if things went the wrong way at court I wa being nice and if it did not I could stop paying and go for UE.
In December they wrote saying that they wanted full payment or they were going to go for a charging order on my house, I emailed you the letter explained why and that had the numbers on it.
All quiet since then until this arrived
The account has a signature and although it was the wrong wording on it thats no good because of the court case

Ahh, ok - thanks for this. So are you still making payments? It may be an idea to, court isn't really what you want here is it....?

Flash sod Takes some doing to get things like that working though as I know from my experience!

Haha - yea, the idiot that wrote the hack couldn't even do that right so Stevie (our forum manager & IT whizz) re-coded the whole hack and got it working, it should be uploaded to vBulletin as his work now, not the original - being it's pretty much been recoded anyway! Have you dealt with vB before then....

[Never-In-Doubt]

Re: Susies diary

2.3.2011 Letter received from EC saying that as my signature is on the "agreement" it will remain with HL Legal...

Hmm, yet in the case history below; you say that there was no signature as it was a recon? Can you clarify and email me a copy of the agreement if poss? You need to do this asap - i'll look at doing a response tomorrow for you...

MBNA (now sold to Experto Credite)
Taken out end of 2003
CCA request sent 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 veaying 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 amicably and that failure to respond within 7 days may result in solicitors being instr ucted 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 balance and who to make my payment to - interesting that EC have not replied to MY letter though!!.
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
2.2.2011 letter sent as per Niddy's instructions

[Susie]

Re: Susies UE Diary

Ahh, ok - thanks for this. So are you still making payments? It may be an idea to, court isn't really what you want here is it....?

Haha - yea, the idiot that wrote the hack couldn't even do that right so Stevie (our forum manager & IT whizz) re-coded the whole hack and got it working, it should be uploaded to vBulletin as his work now, not the original - being it's pretty much been recoded anyway! Have you dealt with vB before then....

I have carried on with the payments and made one on Monday so I have not missed any at all since it was set up. They are still wanting the whole balance or did offer 80% in a f&f but although I do have a small amount to use for f&f I think I would need to split it between the creditors so I am not giving any of them preference? and regardless it would not be 80% of the debt even if I used it all for Egg.


I do have a small forum that is on VB, but I stopped paying the annual fee when it went up few years ago and am on an old version so don't have the all singing and dancing one that you have

[Susie]

Re: Susies diary

Hmm, yet in the case history below; you say that there was no signature as it was a recon? Can you clarify and email me a copy of the agreement if poss? You need to do this asap - i'll look at doing a response tomorrow for you...

MBNA (now sold to Experto Credite)
Taken out end of 2003
CCA request sent 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 veaying 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 amicably and that failure to respond within 7 days may result in solicitors being instr ucted 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 balance and who to make my payment to - interesting that EC have not replied to MY letter though!!.
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
2.2.2011 letter sent as per Niddy's instructions

There was a signature on the illegible part that was even described as illegible by MBNA. I will get a photo of it and send it to you this afternoon

Thank you

[Never-In-Doubt]

Re: Susies UE Diary

I have carried on with the payments and made one on Monday so I have not missed any at all since it was set up. They are still wanting the whole balance or did offer 80% in a f&f but although I do have a small amount to use for f&f I think I would need to split it between the creditors so I am not giving any of them preference? and regardless it would not be 80% of the debt even if I used it all for Egg.

Just keep paying what you can afford - that'd be the best thing? Forget a F&F right now, if they try court then the judge will award an appropriate amount to repay anyway.....

I do have a small forum that is on VB, but I stopped paying the annual fee when it went up few years ago and am on an old version so don't have the all singing and dancing one that you have

Ahh, makes sense now! Bet you'll have a massive forum with like 10,000 users

[Never-In-Doubt]

Re: Susies diary

There was a signature on the illegible part that was even described as illegible by MBNA. I will get a photo of it and send it to you this afternoon

Thank you

Hiya, no need to send me a copy. Try making a smallish offer, see how you get on? They can only say no - but it does look better for you of course...?

[Susie]

Re: Susies UE Diary

Just keep paying what you can afford - that'd be the best thing? Forget a F&F right now, if they try court then the judge will award an appropriate amount to repay anyway.....

Ahh, makes sense now! Bet you'll have a massive forum with like 10,000 users

I will carry on with the payments and will also give them a pro rata offer so that I will be seen to have tried to pay, at least it will look better in court if I have tried.

Oh yes, I have at least 1000 people registered, and about 20 who post regularly

Hiya, no need to send me a copy. Try making a smallish offer, see how you get on? They can only say no - but it does look better for you of course...?

Ok, I will send them an offer and see what happens!!

[Never-In-Doubt]

Re: Susies UE Diary

best of luck...... :niddy

[Susie]

Re: Susies UE Diary

Saturdays post bought a letter from Crap1 saying the debt had been returned to them, and a pre approved credit card offer from Vanquis - yea sure as if I want another card after this!

[Never-In-Doubt]

Re: Susies UE Diary

Saturdays post bought a letter from Crap1 saying the debt had been returned to them, and a pre approved credit card offer from Vanquis - yea sure as if I want another card after this!