The Scarednshakins UE Diary

[scarednshakin]

Re: The Scarednshakins UE Diary

Hi Niddy

Missed you all, have been without internet for over a week, not happy. OH decided to change to another provider and it has not gone very smoothly, still not got a new email address, told it could be Friday before we get that. Anyway got back online tonight so am s-l-o-w-l=y catching up Mr SNS says hi, in between shouting at computer

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Ok doke will get that sent out on Monday. Thanking you Niddy, enjoy the rest of the weekend

Just bumping you back to the top

Hope you're alright? Remember to say hi to Mr SnS from me please?

[scarednshakin]

Re: The Scarednshakins UE Diary

Ok doke will get that sent out on Monday. Thanking you Niddy, enjoy the rest of the weekend

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

The last letter sent out was Letter before Action, that was sent out in December and they said the account was on hold, then I got this next letter of Intended Litigation

Hiya, okies send this now: ---> Threat by Lender/D.C.A - To commence litigation

[scarednshakin]

Re: The Scarednshakins UE Diary

Have you sent a Threat of Litigation reply lately...?

The last letter sent out was Letter before Action, that was sent out in December and they said the account was on hold, then I got this next letter of Intended Litigation

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Morning

Moorcroft are back onto this CC, said on 6 Jan the account was on hold and today letter in IMPORTANT INFORMATION - POSSIBLE LITIGATION, basically same letter we got on 18 December from them. Normal threats about 'may' have no alternative etc

What do I send out this time? Thanks Niddy

Have you sent a Threat of Litigation reply lately...?

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Well found out what account they have been phoning for. It is Lloyds Account No 1, had been with Rob Way but they have passed it back to Lloyds. They are sorry we have complained, never complained but oh well, another department is dealing with the CCA and will be in touch soon.

But they are asking if the settlement figure we gave them back in 2009 would still be possible, as they declined it back then but might look at it now - fraid not we had a little bit of money then and offered all creditors some in a F&F. Four accepted our offer so afraid that money is long gone.

Nice of them to reconsider after nearly 2 years Will wait and see what 'the other department who specialise in CCA's' come back with

Yea they are making you think about offers cos they probably know the account is UE - Muppets!!

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Morning Niddy, I did send out that letter to Apex about the Lloyds Amex card. Got a response today from Lloyds.

'Unfortunately, we don't feel able to agree with your complaint..... set out in some detail how we have complied with section 78 of the CCA.

As stated in our letter of 28 June, under section 78 we have no obligation to provide you with a copy of the signed agreement. However, for the avoidance of doubt, we enclosed such a copy along with your requested section 78 documents. We are not obliged to provide any further documentation, nor will we do so.

Given the contents of you letter, I am concerned that you may be obtaining advice as to your legal rights from a third party or internet web site, which is incorrect (how dare they diss Niddy). If followed, it is entirely possible that this will cause you to breach the terms of your agreement (did that a long time ago ).'

They go on to tell me I have had the card for a while and used it and therefore my agreement is valid and enforceable. They view my account as enforceable and will treat it as so.

Not sure what to send out (if anything) Cheers Niddy Hope you have a good weekend

Ive seen a few of these, worry not - just ignore it.

I'd be more concerned at the advice they purport to offer lol

[scarednshakin]

Re: The Scarednshakins UE Diary

Hiya,

yes send this : ---> viewtopic.php?p=2318#p2318

You can also sent it off to Lloyds Amex if you want....?

Morning Niddy, I did send out that letter to Apex about the Lloyds Amex card. Got a response today from Lloyds.

'Unfortunately, we don't feel able to agree with your complaint..... set out in some detail how we have complied with section 78 of the CCA.

As stated in our letter of 28 June, under section 78 we have no obligation to provide you with a copy of the signed agreement. However, for the avoidance of doubt, we enclosed such a copy along with your requested section 78 documents. We are not obliged to provide any further documentation, nor will we do so.

Given the contents of you letter, I am concerned that you may be obtaining advice as to your legal rights from a third party or internet web site, which is incorrect (how dare they diss Niddy). If followed, it is entirely possible that this will cause you to breach the terms of your agreement (did that a long time ago ).'

They go on to tell me I have had the card for a while and used it and therefore my agreement is valid and enforceable. They view my account as enforceable and will treat it as so.

Not sure what to send out (if anything) Cheers Niddy Hope you have a good weekend

[scarednshakin]

Re: The Scarednshakins UE Diary

Oh well, like you said it must have been a great party! Will wait and see what comes next

[MrsD]

Re: The Scarednshakins UE Diary

had the same with lloyds Mrs, also "other department" looking at CCA, they sent us £25 for our complaint, no idea why but I banked it anyway!

[scarednshakin]

Re: The Scarednshakins UE Diary

Only other thig we have had is 2 calls from Lloyds - witheld no, very sneaky. Hubby refused to go through security. They have now sent out 2 letters to us informing us that they are dealing with our complaint and that they are very sorry we have had to complain. The only problem is that they have not included any account nos and we have not complained (recently) to them. Will wait and see what they come back with.

Ok Niddy, that is diary up to date. The site looks really fab, can't believe how much time and effort you have put in.

Well found out what account they have been phoning for. It is Lloyds Account No 1, had been with Rob Way but they have passed it back to Lloyds. They are sorry we have complained, never complained but oh well, another department is dealing with the CCA and will be in touch soon.

But they are asking if the settlement figure we gave them back in 2009 would still be possible, as they declined it back then but might look at it now - fraid not we had a little bit of money then and offered all creditors some in a F&F. Four accepted our offer so afraid that money is long gone.

Nice of them to reconsider after nearly 2 years Will wait and see what 'the other department who specialise in CCA's' come back with

[scarednshakin]

Re: The Scarednshakins UE Diary

[QUOTE=Mrs Scarednshakin;43767][QUOTE=Mrs Scarednshakin;42456]

So much for not hearing from them. Letter telling me that we must get in touch with RBS direct and to enclose £1 for copy of CCA???

As we did this months ago and received CCA, will file and ignore and wait to see what is next!

Morning

Moorcroft are back onto this CC, said on 6 Jan the account was on hold and today letter in IMPORTANT INFORMATION - POSSIBLE LITIGATION, basically same letter we got on 18 December from them. Normal threats about 'may' have no alternative etc

What do I send out this time? Thanks Niddy

[scarednshakin]

Re: The Scarednshakins UE Diary

Don't worry there will be a big party that day sup::drums::bpink2:

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

one day (in about 5 years time) will have a HUGE bonfire

Make sure my invite is kept warm then hahah