Maui Jim's UE Diary

[Never-In-Doubt]

Re: Maui Jim's UE Diary

MBNA - Enforceable.

This is an online application with the tick in the box and therefore is unfortunately 100% enforceable as the PT's are intact and any that may have been missing would be easily rectified due to the fact there is no signature, i.e. the online app's are so easy to recon and pass off as originals. Sorry.....

This changes somewhat, I have just been told he never applied online - (in protected section) thus a copy of latest chat is below to assist with keeping this diary up-to-date.

[Never-In-Doubt]

Re: Maui Jim's UE Diary

I never got to that stage, the application was declined because of the amount involved. In order to proceed with an application I was told I would have to phone in and apply. I did this and some guy went through everything with me. He said he needed to make checks and then he put me on hold for ages. He came back and said I could have the amount and the card (it was for a £15K card transfer to save money) but I MUST have PPI. I said I was not interested then because I was a non-exec Director (effectively self-employed) and it would be of no use. ANother 10 minutes on hold and then he accepted. He said all the docs would be sent and I should sign them and return. They sent the card but no docs...that's how it happened.

What would be your next bit of advice then?

well if that is what happened you have in essence NEVER seen any terms or signed anything, right? Thus it is unenforceable, so you would need to send this ---> Our Templates | Unenforceability Templates | CCA Query - Forged Document Received

However in the first paragraph you need to edit the two bullet points and use these:

1. I never applied online, I applied over the phone and spoke with underwriting

2. I have never seen any such terms, forms or agreement in my life

Just like that

[CleverClogs (RIP)]

Re: Maui Jim's UE Diary

I never give my number out to anyone, let alone on a website. I am only getting two calls per day at the moment.

Actually I wonder if they are actually chasing me? I just remembered that when we took on the number is was previously a business and I took lots of calls for the same person and people were very keen to get hold of him. It didn't sound like they were inviting him to a social event either!

Perhaps you should answer one of those calls?

You can always 'fail' their security checks, perhaps by replying in a foreign language.

[Never-In-Doubt]

Re: Maui Jim's UE Diary

perhaps by replying in a foreign language.

Scottish? Latin?

[mauijim]

Re: Maui Jim's UE Diary

मॅँ यह बात नहीं सम३ा पाया हूं कि

[CleverClogs (RIP)]

Re: Maui Jim's UE Diary

Scottish? Latin?

Anything.

Volapük (link) if possible.

[Never-In-Doubt]

Re: Maui Jim's UE Diary

मॅँ यह बात नहीं सम३ा पाया हूं कि

how the bloody hell is that font displaying? I thought you needed the font pack installed to read that?

[mauijim]

Re: Maui Jim's UE Diary

well if that is what happened you have in essence NEVER seen any terms or signed anything, right? Thus it is unenforceable, so you would need to send this ---> Our Templates | Unenforceability Templates | CCA Query - Forged Document Received

However in the first paragraph you need to edit the two bullet points and use these:

1. I never applied online, I applied over the phone and spoke with underwriting

2. I have never seen any such terms, forms or agreement in my life

Just like that

I'll get that printed tonight and in the post tomorrow!

Cheers

MJ

[mauijim]

Re: Maui Jim's UE Diary

Update RBS

20/1/12 Another letter from Shoosmiths offering a payment plan or a reduced settlement. The CCA was deemed by Niddy so I have not bothered to reply to these

What would you advise me to do; continue to ignore?

[Deepie]

Re: Maui Jim's UE Diary

Update RBS

20/1/12 Another letter from Shoosmiths offering a payment plan or a reduced settlement. The CCA was deemed by Niddy so I have not bothered to reply to these

What would you advise me to do; continue to ignore?

ignore for now........

[mauijim]

Re: Maui Jim's UE Diary

I'll get that printed tonight and in the post tomorrow!

Cheers

MJ

In a lot of pain today so will be unable to get to the Post Office. Will hopefully improve over the weekend and get it posted to MBNA on Monday.

[mauijim]

Re: Maui Jim's UE Diary

23/01/12 Letter sent 1st Class Signed For to MBNA stating "Forged Document received"

[mauijim]

Re: Maui Jim's UE Diary

I am now getting lots of phone calls from CrapQuest, it started about a week ago. I never answer them and they always leave the same message stating they have called....duh...you don't say.. and they may call back again...please call us It is slightly strange because I had changed my number and we are ex-directory so I wonder where they obtained my new number?

They haven't written to me so I am not sure which debt they are chasing or if it even belongs to me.

I'll just have to wait and see what Postman Pat brings me.

BTW do CrapQuest buy up the dregs from anyone or do they have a preferred creditor they do the dirty work for?

Cheers

MJ

I think Crapquest are fed up of leaving messages on my answering machine, I haven't heard from them for three days. I think perhaps a letter will drop through my letterbox soon!

[CleverClogs (RIP)]

Re: Maui Jim's UE Diary

I think Crapquest are fed up of leaving messages on my answering machine, I haven't heard from them for three days.

Can't you persuade them to use one of Niddy's special numbers?

[mauijim]

Re: Maui Jim's UE Diary

23/01/12 Letter sent 1st Class Signed For to MBNA stating "Forged Document received"

Update MBNA

28/01/12 A letter from MBNA with a Notice of Assignment. Letter informs me they have sold the balance to Arrow Global Guernsey Limited aka Wescot Credit Services.

I have not dealt with these people before so I have a couple of questions

• Are they the usual DCA or a more clued up bunch?
• Do you think MBNA sold this because of my letter "Forged Document received?" or is it SOP?

MJ