What2donext / UE Diary

[what2donext]

Re: What2donext / UE Diary

RBS Loan (Joint)
Date Commenced - 4/3/05 refinanced 22/5/06 and 19/10/07
Approx. Balance - £14,871
Last Full Payment paid - 30/5/11

28/06/11 CCA request sent
09/07/11 Letter received requesting completion of their IE form with signature Ignored

15/07/11 Letter received wanting us to contact them Ignoring
18/07/11 14 working days now up and no CCA received do we have to send any other letter thanks
28/07/11 CCA Received -Just emailed it to Niddy

[caspar]

Re: What2donext / UE Diary

Do they contain the prescribed terms? If in doubt, send to Niddy

[what2donext]

Re: What2donext / UE Diary

Asda Card Santander Credit Card (Mrs)
Date Commenced - 23/11/06
Approx. Balance - £976
Last Full Payment paid - 17.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent

28/07/11 Received CCA also received in seperate envelope addressed to Mrs but has different client name & account number stating
"you have requested information pursuant to the Consumer Credit Act 1974. Please note that as the account is closed and there is no balance required or due in the future, we are no longer obliged to provide this information, therefore, I am returning your cheque" Already emailed it all to Niddy

[caspar]

Re: What2donext / UE Diary

Presumably they have done an Absolute Assignment then.

[what2donext]

Re: What2donext / UE Diary

Do they contain the prescribed terms? If in doubt, send to Niddy

Caspar
All we have is the application form and Personal Loan - additional conditions which is the first time we have seen the additional conditions we have sent to Niddy
Thanks
What2do

[Never-In-Doubt]

Re: What2donext / UE Diary

RBS Loan (Joint)
Date Commenced - 4/3/05 refinanced 22/5/06 and 19/10/07
Approx. Balance - £14,871
Last Full Payment paid - 30/5/11

28/06/11 CCA request sent
09/07/11 Letter received requesting completion of their IE form with signature Ignored

This is obviously enforceable, due to the start date however it does contain errors - which does affect the validity of the overall agreement however you have no s.127 protection.

Add up the amounts supplied and compare it with the loan....

loan to repay) £18,800.92
loan to yourself) £5,199
interest) £6,467.64

TOTAL LOAN = £30,467.64

However RBS have added 8p to the total which does not belong there as the ACTUAL total is really £30,467.56

* They forgot to add the missing 8p from the £18,800.92 to the amount that you'd have got.

The old loan that you paid off with the new £18k one, did that have PPi etc or were you hassled into taking this new loan as a result of the old loan in any way?

Regards the terms, similarly, you should have been sent a copy but unless you fancy an expensive court battle over the rights and wrongs of 8p i'd suggest blagging this and see where it goes but as with all post 04/07 stuff, you're kinda restricted.....

[Never-In-Doubt]

Re: What2donext / UE Diary

MBNA Credit Card 1 (Mrs)
Date Commenced - 19/6/97
Approx. Balance - £7030
Last Full Payment paid - 26/5/07
DMP payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent

The terms you quote as being on the back of the CCA, weren't. These were supplied at a different date - however it's still unenforceable, and you ought to also pay attention to this judgment: CABOT UK LTD v BACHELLIER [2010]

So respond as follows: CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: What2donext / UE Diary

Asda Card Santander Credit Card (Mrs)
Date Commenced - 23/11/06
Approx. Balance - £976
Last Full Payment paid - 17.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent

This is also too new, i.e. 2006 and in my opinion is sound. sorry



I would blag it for now until you sort the dmp at the end and so send this for the time being: CCA Query - Missing Prescribed Terms

[what2donext]

Re: What2donext / UE Diary

Niddy once again many thanks
Regarding RBS loan we were telephoned on a couple of occassions from what we can remember to refinance, there was no PPI, should we send any reply or just leave it and see what they do

[Never-In-Doubt]

Re: What2donext / UE Diary

Niddy once again many thanks
Regarding RBS loan we were telephoned on a couple of occassions from what we can remember to refinance, there was no PPI, should we send any reply or just leave it and see what they do

I would leave it personally, see what they want to do next - if they get heavy then look to make a token payment.

Obv this will also be added to any dmp at the end of your ue trail....

[what2donext]

Re: What2donext / UE Diary

I would leave it personally, see what they want to do next - if they get heavy then look to make a token payment.

Obv this will also be added to any dmp at the end of your ue trail....

Thanks for the quick reply Niddy we will just wait and see what happens with RBS and will send other letters advised off today
Thanks Again

[what2donext]

Re: What2donext / UE Diary

The terms you quote as being on the back of the CCA, weren't. These were supplied at a different date - however it's still unenforceable, and you ought to also pay attention to this judgment: CABOT UK LTD v BACHELLIER [2010]

So respond as follows: CCA Query - Missing Prescribed Terms

29/07/11 Sent CCA Query - Missing Prescribed Terms by recorded delivery

[what2donext]

Re: What2donext / UE Diary

This is also too new, i.e. 2006 and in my opinion is sound. sorry



I would blag it for now until you sort the dmp at the end and so send this for the time being: CCA Query - Missing Prescribed Terms

29/07/11 Sent CCA Query - Missing Prescribed Terms by recorded delivery

[what2donext]

Re: What2donext / UE Diary

Mint Credit Card (Mrs)
Date Commenced - 29.10.03
Approx. Balance - £3399
Last Full Payment paid - 6.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
14/07/11 Received letter stating "I have received a letter regarding your account. The letter was not signed and as a result I am unable to undertake the action requested. Please sign the letter in space or call us etc." Ignoring for now until further advice is given

30/07/11 CCA received
Email sent to Niddy

[PlanB]

Re: What2donext / UE Diary

The old loan that you paid off with the new £18k one, did that have PPi etc or were you hassled into taking this new loan as a result of the old loan in any way?

Niddy, a quick question. If a creditor puts pressure on you to take out a new loan to repay exisiting loan, is there anything 'unfair' going on which could work to a debtor's advantage? I had car finance which expired after 4 years leaving a 4k balance to pay, then the creditor 'offered' me a new loan (much higher APR then old loan) on the day it expired. I stupidly didn't realize I could have shopped around for a better deal.

(Sorry to but in on this thread but the post flagged up a point I've not seen anywhere else). Plan B