alanstuart UE Diary

[alanstuart]

Re: alanstuart UE Diary

hello nid
just a quick update

all 3 CRA replies came in but all said the same ,that there was no defaults recorded from B/card.
all the reports came back with satisfactory credit rating
both the default letters from mercers gave me until 25 sept10 to pay up or else well send a formal demand,
that hasnt happened, nor has anybody paid me a visit either.
will update as and when
all the best
alan stuart

[Never-In-Doubt]

Re: alanstuart UE Diary

If the defaults are recent then they may be not be reflective of the true account status so maybe you were too hasty in writing to the CRA's......

Just see what happens yea? And don't worry about defaults, you will get them when you don't pay!

[alanstuart]

Re: alanstuart UE Diary

hello nid
latest update is
i sent off the `threat of doorstep visit` to mercers last month and the letter i recieved was from barclaycard.
the letter was from their `customer satisfaction department`saying they would look into my complaint and get back to me within 30 days
what do you make of that, shall i just file it as per

all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

Hiya

Just file it - their response will say that they do not agree to your complaint and that they will continue to call - we know this, however lets wait and see.

Do nothing right now. gh

[alanstuart]

Re: alanstuart UE Diary

hello nid
have sent you a pm for you to look at in your own time,hope you can read it ,i tried to enlarge it but
ill try and send it again if you cant read it
ill send the other one if you want to see it but as they say its a reconstituted copy i guess you wont
thanks again
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

hello nid
have sent you a pm for you to look at in your own time,hope you can read it ,i tried to enlarge it but
ill try and send it again if you cant read it
ill send the other one if you want to see it but as they say its a reconstituted copy i guess you wont
thanks again
all the best
alanstuart

Hiya, ok regards to the PM - this is confirming they cannot locate the original agreement which is what you wanted

Keep that letter safe, it is your get out of jail card - if they try and make a recon now, tough! In court they would need to show that they are confident the content of the recon matched the original, with no record of the original (as per their letter) how can they be confident of the exact wording/terms?

Credit agreements are individual to individuals, they are not blanket documents - i.e. your APR and mine will differ in 99.9% of cases, so exactly how could a lender "prove without doubt" what content was on the original?

Point is, forget this now and store that letter safely :UE

[alanstuart]

Re: alanstuart UE Diary

hello nid
well thanks for that, its a great result nah to barclaycard
couldnt have done it without you and everyone on here instilling confidence in me to go ahead,
to everyone
now the other b/card mastercard ,they sent a recon so i assume the `copy letter `to be sent off is the order of the day
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

Hiya

The other barclaycard need this: ---> viewtopic.php?p=1624#p1624

[alanstuart]

Re: alanstuart UE Diary

hello nid
sent off this week `copy doc supplied` to b/card mastercard.
today recieved 2 letters,one for each account,both exactly the same-`terms and conditions` enclosed
not sure if i should send off the appropriate response, in the light of their response,-- when they said they couldnt find my agreement - what would you advise,no rush,when you have a minute
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

hello nid
sent off this week `copy doc supplied` to b/card mastercard.
today recieved 2 letters,one for each account,both exactly the same-`terms and conditions` enclosed
not sure if i should send off the appropriate response, in the light of their response,-- when they said they couldnt find my agreement - what would you advise,no rush,when you have a minute
all the best
alanstuart

Hiya, nah just ignore both of them for now - keep us updated though yea?

[alanstuart]

Re: alanstuart UE Diary

hello nid
quick update
sent you a pm but could only upload page 1
but here is page 2

im not sure if this is the response to the copy they sent for b/card 2 or for the admission they couldnt find the CCA for b/card 1
anyway is it file and forget or any response
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

Hiya

I deleted the image. You need to email me any letters, not post them here!!

Just ignore.

[alanstuart]

Re: alanstuart UE Diary

hello nid
no probs with that,will ignore
ill keep you updated
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

Cheers mate

[alanstuart]

Re: alanstuart UE Diary

hello nid
ive sent you an email,hope you get it and when you have time ,give it the once over please.
they keep on ,in the letter,going on about regulation no. this then reg.no. that and then onto "Carey v HSBC" ,are these ramblings because they havent a clue or do they actually mean anything ,and do i need to respond with anything apart from -have a merry xmas
all the best
alanstuart