Maui Jim's UE Diary

[mauijim]

Re: Maui Jim's UE Diary

I think it might more a case of "shit, this is is a bit complicated and my wee banker's brain can't cope, so let's punt it"

I've got one that sent a blatent forgery and it worried me, pointing this out, but I've been steadily pointing it out for nearly two years, on its 4th or 5th DCA now, so get the account sold off and let's wait and see.

Well I think we agree ELD, I am sure they decided to grab what they could for it and let someone else chase me. They have sold it lock stock and barrel to Wescot so the paper merry-go-round will probably start with them soon! They've already written to me stating they are the new owners of the debt so I am sure the next letter is already on its way!

Thanks

MJ

[MrsD]

Re: Maui Jim's UE Diary

I think it might more a case of "shit, this is is a bit complicated and my wee banker's brain can't cope, so let's punt it"

I've got one that sent a blatent forgery and it worried me, pointing this out, but I've been steadily pointing it out for nearly two years, on its 4th or 5th DCA now, so get the account sold off and let's wait and see.

[mauijim]

Re: Maui Jim's UE Diary

I have been thinking about the recent NOA and wanted to ask the more experienced members what they think of it.

First, I am not panicking about, far from it. I have prepared my "account sold whilst in dispute" letter and that will be in the post tomorrow (first class signed for).

It seems they read my letter "Forged document received" and decided it would be easier to get something from a DCA by selling the debt rather than start a legal fight with me. I know my application was by telephone and they probably know that too!

So would they simply decide f**k this, let's sell this to a DCA and wash our hands of it? I assume they would not tell the DCA of my CCA request because that would make it less desirable to them. Is this thought correct? Would they keep silent about my CCA request and "forged document" letter and simply grab the money - kind of "a bird in the hand is worth two in the bush".

I am not looking to base any further action on this, simply curious about the process. I used to do a similar thing when we had an awkward client contracted to us. If they wanted to move to a new company we would simply sell the contract to the new company and not mention the fact they were a right pain in the arse!

I'd appreciate your views.

MJ

[mauijim]

Re: Maui Jim's UE Diary

No just send account sold letter...........

Thanks, that will be in the post first thing on Monday morning!

[Deepie]

Re: Maui Jim's UE Diary

Sorry to be a bit stupid here. I have written the "account sold whilst in dispute" but do I need to include another CCA request to them together with a £1 postal order?

I think the letter just refers to my previous request and the payment of £1 but I want to be certain.

Thanks

MJ

No just send account sold letter...........

[mauijim]

Re: Maui Jim's UE Diary

Sorry to be a bit stupid here. I have written the "account sold whilst in dispute" but do I need to include another CCA request to them together with a £1 postal order?

I think the letter just refers to my previous request and the payment of £1 but I want to be certain.

Thanks

MJ

[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

Perhaps the letter about applying on the phone made them think again? I knew I had applied on the phone and not online.

[mauijim]

Re: Maui Jim's UE Diary

Have you seen this ? > What to do when your account is assigned

I read the informative post and it helped. I was also lucky enough to speak with Paul about another problem and he advised me then to always engage a creditor with written correspondence. That was my SOP when I was in business. Yes, as Niddy says, you do not need to flap about these things and can ignore short term followed by the correct template to keep them on their toes!

MJ

[Deepie]

Re: Maui Jim's UE Diary

I have now

So I should send a letter saying "Account sold whilst in dispute"???

I Would....

[mauijim]

Re: Maui Jim's UE Diary

Have you seen this ? > What to do when your account is assigned

I have now

So I should send a letter saying "Account sold whilst in dispute"???

[Deepie]

Re: Maui Jim's UE Diary

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

Have you seen this ? > What to do when your account is assigned

[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

[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

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!

[mauijim]

Re: Maui Jim's UE Diary

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