Adler's UE Diary

[Never-In-Doubt]

Re: Adler's UE Diary

HSBC update:
Story so far
Outstanding 11000
CCA'd Last July/Aug
Laughable agreement sent, soooo UE,agrees Nid
Got sent this (emailed to Niddy) "precourt action" letter from Moorcroft.
Need to give them an appropriate reply!(ie in the lines of go away!)

what email - nothing there? agreements@all-about-debt.co.uk

(ok I know i'm on the ball this morning lol)

[adler]

Re: Adler's UE Diary

what email - nothing there? agreements@all-about-debt.co.uk

(ok I know i'm on the ball this morning lol)

So I see! I think I might have emailed you at niddy@allabout

[Never-In-Doubt]

Re: Adler's UE Diary

So I see! I think I might have emailed you at niddy@allabout

See this mate: ---> User Guide - Sending your Agreement to Niddy

[adler]

Re: Adler's UE Diary

You are on the ball and I am half asleep! Sorry , big one, as didn't attach. Sent one now!

[adler]

Re: Adler's UE Diary

HBOS-story so far: 2 cards, June 10-CCCA'd £13000 total-not replied with any answers , so kept quiet.Probably UE according to NID
Rob Way kept bothering so sent a threatogarm back. Now they have come back with a copy reconstitutionof terms and conditions saying this is acceptable! Also senta separate letter with last statement copies!(emailing both to Niddy!)
So what would be best reply?
Also please don't forget the reply to Moorcroft from earlier post!

[Never-In-Doubt]

Re: Adler's UE Diary

HSBC update:
Story so far
Outstanding 11000
CCA'd Last July/Aug
Laughable agreement sent, soooo UE,agrees Nid
Got sent this (emailed to Niddy) "precourt action" letter from Moorcroft.
Need to give them an appropriate reply!(ie in the lines of go away!)

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

[Never-In-Doubt]

Re: Adler's UE Diary

HBOS-story so far: 2 cards, June 10-CCCA'd £13000 total-not replied with any answers , so kept quiet.Probably UE according to NID
Rob Way kept bothering so sent a threatogarm back. Now they have come back with a copy reconstitutionof terms and conditions saying this is acceptable! Also senta separate letter with last statement copies!(emailing both to Niddy!)
So what would be best reply?
Also please don't forget the reply to Moorcroft from earlier post!

Ermmm, this is nonsense - they have not sent anything that even constitutes compliance of s.78 let alone any actual terms - its a copy of some random page! Send this back: ---> CCA Query - Missing Prescribed Terms

[adler]

Re: Adler's UE Diary

Ermmm, this is nonsense - they have not sent anything that even constitutes compliance of s.78 let alone any actual terms - its a copy of some random page! Send this back: ---> CCA Query - Missing Prescribed Terms

That's brilliant.Off it will go in the post!

[adler]

Re: Adler's UE Diary

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

Will do Sir.

[adler]

Re: Adler's UE Diary

Ermmm, this is nonsense - they have not sent anything that even constitutes compliance of s.78 let alone any actual terms - its a copy of some random page! Send this back: ---> CCA Query - Missing Prescribed Terms

Welcome back Niddy from your hols.Hope you had a very good time and relaxed enough(though I know its never enough).RobWay have replied with some nonsense which I have emailed Niddy.Chose to ignore it because looked with blank threat.However would need expert advice to confirm please.

[adler]

Re: Adler's UE Diary

Ermmm, this is nonsense - they have not sent anything that even constitutes compliance of s.78 let alone any actual terms - its a copy of some random page! Send this back: ---> CCA Query - Missing Prescribed Terms

I think they have sold one of the cards to Iqor now, who phone me regularly with no messages!(emailed Niddy a copy of letter)So can I combine both "Threat by Lender/D.C.A - To commence litigation" letter and "telephone calls" or should I do separate letters.

[adler]

Re: Adler's UE Diary

Further update on MBNA:
MBNA story so far:
CCA'd Aug 2010,£12000: Probably enforceable agreement sent back but blagged as discussed in this forum.
Kept on phoning me since I have stopped payments and blagged them about agreement not enforceable(though it might )
responded with this- telephone harassment template.
Now I have had a stroppy letter threatening court action(Niddy, have emailed copy)
Replied with threatogram
Now they have sent me a default notice finally!

[adler]

Re: Adler's UE Diary

EGG have sent default notice as well.CCA(Capital Credit Agency) keeps on phoning as well, trying to leave messages in a very deep changed voice witha hope to scare me!) Totally ignored them.

[Never-In-Doubt]

Re: Adler's UE Diary

Welcome back Niddy from your hols.Hope you had a very good time and relaxed enough(though I know its never enough).RobWay have replied with some nonsense which I have emailed Niddy.Chose to ignore it because looked with blank threat.However would need expert advice to confirm please.

I think they have sold one of the cards to Iqor now, who phone me regularly with no messages!(emailed Niddy a copy of letter)So can I combine both "Threat by Lender/D.C.A - To commence litigation" letter and "telephone calls" or should I do separate letters.

Ok, don't worry about the calls right now, main thing is the legal threat - so send this off asap (to IQor): ---> Threat of Legal Action - CCA Request in Default

[Never-In-Doubt]

Re: Adler's UE Diary

EGG have sent default notice as well.CCA(Capital Credit Agency) keeps on phoning as well, trying to leave messages in a very deep changed voice witha hope to scare me!) Totally ignored them.

Ok, just ignore them as you currently are!

Further update on MBNA:
MBNA story so far:
CCA'd Aug 2010,£12000: Probably enforceable agreement sent back but blagged as discussed in this forum.
Kept on phoning me since I have stopped payments and blagged them about agreement not enforceable(though it might )
responded with this- telephone harassment template.
Now I have had a stroppy letter threatening court action(Niddy, have emailed copy)
Replied with threatogram
Now they have sent me a default notice finally!

Is this the same one that you mentioned IQor above? Please clarify - doing 3 updated on one account before I reply, means you edit the original post to make life easier.... cheers