alanstuart UE Diary

[alanstuart]

hello everyone
nice shiny new site,hope to put my diary on later(only 2 b/cards so not a lot)been busy seeing my new granddaughter,born today ;happy
not going to worry about b/card at the minute,nothing happening much anyways
be back soon
hope all goes well for you and family nid
all the best
alanstuart

[MrsD]

Re: alanstuarts ue diary

lovely shiny new grand daughter! Hope everything went well and baby is gorgeous. What is she called, was she big, is she the first

[alanstuart]

Re: alanstuarts ue diary

thanks for that evenlessdopey
yes she is georgeous, thought she was never gonna come,daughter went 13 days over,shes calling her megan weighing in at 8lb 7 oz ,ill have to be careful in case i forget about why im on this site k
ill post my update later
all the best
alanstuart

[alanstuart]

Re: alanstuarts ue diary

heres my situation with barclaycard
ive had the cards since about the mid 1980s,was a good payer for years up until about 2003
couldnt pay the min payments even,so went to CAB for help
they arranged an informal agreement with them to repay which worked ok
then they started to add interest,which dosent help to get the debt down the interest went on for a year,then they just stopped adding it on
another year down the line and they started adding it on at double the rate,so thats when i heard about UE
lurked on the mse site and took the plunge
the current state of play is as below

17-6-10
barclaycard cca request sent

17-6-10
b/card mastercard cca request sent

no replies from them both,only them sending normal statements out
1-7-10
cca reminders sent to both

no replies again,only letters stating what my arrears were

advised off nid not to send S.10 as they were in default of S.78,didnt send it
nothing else as yet,probably get another arrears letter,or an invitation from mercers to pay what you owe or else
well there we go will update as and when
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuarts ue diary

Hiya

Yep - just leave them and see what develops, enjoy the granddaughter and forget these for the time being.

Congratulations by the way

[alanstuart]

Re: alanstuarts ue diary

hello nid and everyone
its all been quiet until today,got two leters from mercers today, both default notices of S.87 of cca act 1974
was expecting these anyway
would i be right in thinking that my response would be- Account sold while in dispute of my cca request,do i include a copy of my cca request with this letter or not,not sure,your advice would be most appreciated
all the best
alanstuart

i should have said the two letters are 1 for each separate account ;D

[alanstuart]

Re: alanstuarts ue diary

hello nid

just been looking back over my correspondence and back in 2003 b/card mastercard issued a default notice,now they have, see my previous post issued 14 sept issued another one last week (can email both if you want)
i thought you couldnt default some one on the same debt twice, ;N should i reply to them 1 or just send Acc sold while in dispute ?
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuarts ue diary

hello nid and everyone
its all been quiet until today,got two leters from mercers today, both default notices of S.87 of cca act 1974
was expecting these anyway
would i be right in thinking that my response would be- Account sold while in dispute of my cca request,do i include a copy of my cca request with this letter or not,not sure,your advice would be most appreciated
all the best
alanstuart

i should have said the two letters are 1 for each separate account ;D

Nope you ignore matey - a default is expected and they require no response at all. Ignore them, both! ;Spank

[Never-In-Doubt]

Re: alanstuarts ue diary

hello nid

just been looking back over my correspondence and back in 2003 b/card mastercard issued a default notice,now they have, see my previous post issued 14 sept issued another one last week (can email both if you want)
i thought you couldnt default some one on the same debt twice, ;N should i reply to them 1 or just send Acc sold while in dispute ?
all the best
alanstuart

Hiya

You cannot be defaulted twice for the same debt - well spotted ;--;

see here: ---> viewtopic.php?p=132#p132

You'll need to edit parts to reflect the fact you're asking the CRA to erase a duplicate default and send proof that one was added in 2003 and proof of the one recently added - for the same account. The CRA's will then remove them both cos the original one has expired in 09/2009 - you may need to mention this on the letter as well.....

Send a copy to all 3 CRA's - see here for addresses etc: ---> viewtopic.php?p=158#p158

[alanstuart]

Re: alanstuarts ue diary

hello nid
thanks for that, will get letter off to all CRAs
i never checked any of the CRAs in the past so wont have seen that the first defaults were on in 2003,and with them having expired now, i checked and everything is fine,but they want to play funny b****rs and default me twice ;N ;N they probably didnt expect me to keep all my paperwork k
all the best
alanstuart

[Never-In-Doubt]

Re: alanstuarts ue diary

LOL, keeping all your paperwork is nuts - but well done! However a SAR could be interesting to see if they hide the first one and then when you query it's omission with the ICO they'd get buggered lol

Lets see what happens with the CRA's - as it is quite clear they should just remove both defaults, knowing them though they will raise a dispute and write to the OC asking for clarity and then come back 3wks later and say the lender says they must stay - at which point you get more assertive and remind the CRA's they are breaking the law and it is their responsibility to ensure their data is accurate, you've proved it is not and so will be seeking compensation and will complain to the ICO....

They will then remove it; if not then complain to the ICO and let them tell them to do it!

[alanstuart]

Re: alanstuarts ue diary

hi nid
thanks for that
i dont keep all my paperwork lol although i did find some gas and electric bills from 14 years ago ;LOL
will send letters off and await their replies and let you know

[attachment=0:35xgq7f1]animated-gifs-humans-08.gif[/attachment:35xgq7f1]

all the best

alanstuart

[alanstuart]

Re: alanstuart UE Diary

hello nid
hope all is well
well since mercers sent default notices for both my accounts(b/card and mastercard)last month,
i received a letter from mercers for each account teling me that they are going to send a local company out to collect the amount i owe in full.
i guess your going to tell me (to file them away) that they wont, but i just wanted to be sure,more for our lasses sake more than mine.(she worries about all this)
would there be any correspondence i should be sending them or not

still waiting on the replys from the CRAs regarding them defaulting me twice(update as and when)

still recieving monthly statements off b/card which gets bigger each time-filed away

also just recieving default charge letters-filed away

all the best
alanstuart

[Never-In-Doubt]

Re: alanstuart UE Diary

well since mercers sent default notices for both my accounts(b/card and mastercard)last month, i received a letter from mercers for each account teling me that they are going to send a local company out to collect the amount i owe in full.i guess your going to tell me (to file them away) that they wont, but i just wanted to be sure,more for our lasses sake more than mine.(she worries about all this)
would there be any correspondence i should be sending them or not

Yep, respond with this (adapt to suit your needs): ---> viewtopic.php?p=182#p182

still waiting on the replys from the CRAs regarding them defaulting me twice(update as and when)

Yep, update when they get back to you - could be some time, but they usually deal within 28days - even to say they've gone back to the lender.....

still recieving monthly statements off b/card which gets bigger each time-filed away

The amounts don't concern you being you will not be paying!

also just recieving default charge letters-filed away

Yep, just file.....

[alanstuart]

Re: alanstuart UE Diary

hello nid
ok,thanks for that, will send off letters this week

all the best
alanstuart