Slickfm UE Diary

[Slickfm]

Re: Slickfm UE Diary

Cap One card (sold to Lowells)

Hi all,

Letter received today from Lowells also enclosing a lot of paperwork which they have received from Cap One. They have sent the same stuff as they sent 4.5 years ago (recon), plus some other terms that i have not had before, also plenty of statements too. I will forward the paperwork minus the statements to Niddy tomorrow. They have put collection activities on hold for 30 days whilst they await my reply, so no rush

Cheers
Slick

Hi All,

Niddy has kindly had a look at this and it seems that after 4.5 years they have come up with the correct paper work (as Niddy cannot see much wrong with it). What a bummer

Anyways the fight is not over yet, in a week or so i will send Lowells a missing PT'S letter, as account on hold till end of this month. It just proves the point that no matter how long it takes lenders can still pull a rabbit out the hat and are only well and truly fooked when an account reaches SB.

Take care
Slick

[Slickfm]

Re: Slickfm UE Diary

Hi all,

Lowells have responded to me sending a SWID letter by saying that they have requested the agreement/statements from Cap One but could take longer than 12 days. No rush now

Cheers
Slick

Cap One card (sold to Lowells)

Hi all,

Letter received today from Lowells also enclosing a lot of paperwork which they have received from Cap One. They have sent the same stuff as they sent 4.5 years ago (recon), plus some other terms that i have not had before, also plenty of statements too. I will forward the paperwork minus the statements to Niddy tomorrow. They have put collection activities on hold for 30 days whilst they await my reply, so no rush

Cheers
Slick

[Slickfm]

Re: Slickfm UE Diary

Hi all, not too much to report really. Had a letter from Restons who are still awaiting instructions from their client (Arrow) and 2 letters from Lowell (Cap One), still investigating my complaint and another letter saying as its passed 8 weeks i have the right to refer it to FOS.

Keep up the good work all

Cheers
Slick

[Slickfm]

Re: Slickfm UE Diary

HI Slick,
Thanks for that.
Looking at the templates, I think that this one is probably most suited to your circumstances, with a slight amendment.

If it was me, I would replace the first 2 paragraphs with the following:



In the second to last paragraph, replace "the original" with MBNA

See what others think too, if you wish

Elsa x

Cheers Elsa, i'll go with that. Nice one

Slick x

[Undercover Elsa]

Re: Slickfm UE Diary

HI Slick,
Thanks for that.
Looking at the templates, I think that this one is probably most suited to your circumstances, with a slight amendment.

If it was me, I would replace the first 2 paragraphs with the following:

Thank you for your letter of xxxx re the above numbered account.
It feel it is most inappropriate to threaten legal action when I have made it quite clear to your client that this account is in dispute due to inability to comply with a s.78 request.
I enclose for your reference a copy of a letter in which the account has been deemed unenforceable by MBNA, the original owners.

In the second to last paragraph, replace "the original" with MBNA

See what others think too, if you wish

Elsa x

[Slickfm]

Re: Slickfm UE Diary

Could you blank out your details and upload the letter SlickFM, or type it verbatim, so we can judge the most relevant response. In any event you will need to enclose a copy of the letter from MBNA saying they cannot provide the agreement. (Assuming they haven't come up with it since then - it's a looong thread )

Cheers Elsa,

Just to clarify, MBNA sent an incomplete document back in 2010 along with a letter stating that they cannot supply a full agreement and would not be able to issue court proceedings, no other document has been received over that time.

As requested please see the attached response from Restons.

Slick

[Undercover Elsa]

Re: Slickfm UE Diary

Could you blank out your details and upload the letter SlickFM, or type it verbatim, so we can judge the most relevant response. In any event you will need to enclose a copy of the letter from MBNA saying they cannot provide the agreement. (Assuming they haven't come up with it since then - it's a looong thread )

[Slickfm]

Re: Slickfm UE Diary

Hi everyone

MBNA/Arrow Global Credit Card Update:

No action for 6 months until today when i received a letter from Debt Managers offering me a 50% discount on the outstanding balance. As MBNA stated over 3 years ago that they cannot locate the agreement and cannot enforce, i'll just ignore

Cheers
Slick

Hi guys,

Quick update on my MBNA account. Arrow have sent a letter stating that they have transferred the account to Restons Solicitors. I'm sure a letter from Restons will follow soon.

Cheers
Slick

Hiya all,

Its taken 4 months for Restons Solicitors to get in touch. Their letter states that if i fail to agree to repayment proposals that they may be instructed to issue (without further warning) court proceedings against me. Also offering me a 30%disc if paid in full before 14 days. That ain't going to happen.

Just unsure as to send an LBA or the Litigation Template?? I will also include a copy of the letter that i have from MBNA stating that they could not locate the agreement.

Cheers
Slick

[Slickfm]

Re: Slickfm UE Diary

Hiya Niddy.

Will get a SWID sent off and see what comes back.

Cheers mate
Slick

Hi all,

Lowells have responded to me sending a SWID letter by saying that they have requested the agreement/statements from Cap One but could take longer than 12 days. No rush now

Cheers
Slick

[Slickfm]

Re: Slickfm UE Diary

Hiya Niddy.

Will get a SWID sent off and see what comes back.

Cheers mate
Slick

[Never-In-Doubt]

Re: Slickfm UE Diary

Hi All,

Another letter received from Lowells, looks like the same as what others are receiving too. Saying they could take legal action, get my credit report, bankruptcy and that they are here to help etc.... After ignoring their 1st letter is it now time to hit them with SWID?

Cheers
Slick

Yea maybe send that mate

[Slickfm]

Re: Slickfm UE Diary

Thanks for your replies. I will sit tight for now like everyone else. Seems like Lowells have purchased a job lot from Cap One.

Hi All,

Another letter received from Lowells, looks like the same as what others are receiving too. Saying they could take legal action, get my credit report, bankruptcy and that they are here to help etc.... After ignoring their 1st letter is it now time to hit them with SWID?

Cheers
Slick

[Slickfm]

Re: Slickfm UE Diary

Thanks for your replies. I will sit tight for now like everyone else. Seems like Lowells have purchased a job lot from Cap One.

[The Tech Clerk]

Re: Slickfm UE Diary

Lowells letter from Lowells just arrived now LOW101 AGAIN last one LOW101 was in July we want to help, Yeh themselves. this must be the part 2 of the 1 of 2 they quote of LOW101.

[Grassy_K]

Re: Slickfm UE Diary

Bowells are really going for it at the moment, but it would appear they have a few disappointments heading their way courtesy of this forum.. What a shame.