What2donext / UE Diary

[what2donext]

Re: What2donext / UE Diary

HSBC Credit Card (Mr)
Date Commenced - 09/10/99 . Balance - £3140
Last Full Payment paid - 8.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
02/08/11 CCA received
02/08/11 CCA sent to Niddy

just updating

[what2donext]

Re: What2donext / UE Diary

Barclaycard Credit Card (Mr)
Date Commenced - 23.7.99
Approx. Balance - £4166
Last Full Payment paid - 8.6.11
DMP Payment paid - 22.6.11 (no more payments being made)

07/07/11 CCA request sent
22/07/11 CCA receivedlooks like just terms and conditions will email to Niddy to look at thank you
24/07/11 Niddy says
25/07/11 CCA Query missing prescribed terms letter sent recorded delivery
02/08/11 Received letter what looks as though they are quoting terms saying they don't class the account as being in dispute and for the purposes of the FOS to consider this as their final response

Could someone please advise if there is a letter to send back or if Niddy needs to see it
Thanks

[Pixie]

Re: What2donext / UE Diary

They always say that they don't class the account as being in dispute and it's their final response.

I'd just ignore.

It'll probably get passed to Mercer's next (in-house dca)

[what2donext]

Re: What2donext / UE Diary

They always say that they don't class the account as being in dispute and it's their final response.

I'd just ignore.

It'll probably get passed to Mercer's next (in-house dca)

Thanks pixie we was wondering if it was just a standard reply

[garlok]

Re: What2donext / UE Diary

Absolutely pixie!

You will get harassment like never before, W2N, from Mercers so be prepared for them. No phone discussions, no security questions, just tell them in writing only and PHONE DOWN. Log date time and brief outline of call etc. They can do nothing except strengthen your case if you stand up to them. All of their activity is unlawful as they are a dormant company for one and secondly they will issue you with a big red Default Notice under s87(1) of the CCA1974. This will be defective in a number of ways buying you more legal space.

I have just told someone else, their ONLY weapon against you is your own fear of what they may do to you which is precisely NOTHING.

Calders will be next in line before you join the circus with the rest of us. Have fun.

regards
Garlok

[what2donext]

Re: What2donext / UE Diary

Absolutely pixie!

You will get harassment like never before, W2N, from Mercers so be prepared for them. No phone discussions, no security questions, just tell them in writing only and PHONE DOWN. Log date time and brief outline of call etc. They can do nothing except strengthen your case if you stand up to them. All of their activity is unlawful as they are a dormant company for one and secondly they will issue you with a big red Default Notice under s87(1) of the CCA1974. This will be defective in a number of ways buying you more legal space.

I have just told someone else, their ONLY weapon against you is your own fear of what they may do to you which is precisely NOTHING.

Calders will be next in line before you join the circus with the rest of us. Have fun.

regards
Garlok

Thanks Garlok, phone calls should'nt be a problem as we got a truecall machine on the advice of Caspar and we have blocked all numbers we can find, one thing about reading other peoples diaries and info from people like yourself and others who have been through it helps enormously and just goes to strenghthen our resolve, have to totally agree with you about peoples fear because we know how felt with the fear and also shame before we found this site and got support and knowledge of other members, needless to say they won't be getting a lot of sense out of us
Regards
What2do

[Never-In-Doubt]

Re: What2donext / UE Diary

Mint Credit Card (Mrs)

30/07/11 CCA received
Email sent to Niddy

Nothing attached to the email.... please resend.

Thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

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

It'd be mis-selling but hard to fight (and harder to win) - things like this usually rely on punishment from the authorities, unfortunately I'd suggest you look at more straight forward and cheaper ways to find fault....

[Never-In-Doubt]

Re: What2donext / UE Diary

HSBC Credit Card (Mr)
Date Commenced - 09/10/99 . Balance - £3140
Last Full Payment paid - 8.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
02/08/11 CCA received
02/08/11 CCA sent to Niddy

This is unenforceable as no linked terms and those they rely on have no prescribed terms, they aren't just missing some, they are missing them all.

yea they've also attached most recent ones, but they are 13 years out of date and not at all applicable so it's unenforceable - respond as follows: CCA Query - Missing Prescribed Terms

[what2donext]

Re: What2donext / UE Diary

Nothing attached to the email.... please resend.

Thanks

Just resent it Niddy sorry about that

[what2donext]

Re: What2donext / UE Diary

This is unenforceable as no linked terms and those they rely on have no prescribed terms, they aren't just missing some, they are missing them all.

yea they've also attached most recent ones, but they are 13 years out of date and not at all applicable so it's unenforceable - respond as follows: CCA Query - Missing Prescribed Terms

Thanks again Niddy for your time will send letter advised in tomorrows post

[Never-In-Doubt]

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

This is enforceable i'm afraid

Just blag it for now until we get all the results back then look at adding this toward any DMP - in the meantime blag it and respond with this: CCA Query - Missing Prescribed Terms

[what2donext]

Re: What2donext / UE Diary

This is enforceable i'm afraid

Just blag it for now until we get all the results back then look at adding this toward any DMP - in the meantime blag it and respond with this: CCA Query - Missing Prescribed Terms

Cheers Niddy that was fast will do as you suggest

[what2donext]

Re: What2donext / UE Diary

Sygma/Creation Credit Card (Mrs)
Dated Commenced - 25/5/06
Approx. Balance - £5297
Last Full Payment Paid - 23/5/11
DMP Payment Paid - 22/6/11 (no more payments being made)

07/07/11 CCA request sent
06/08/11 Recieved letter with CCA request and postal order in asking for a signature before they can process as part of security procedure

Should we send - CCA Request - Demand of Signature by Creditor

[swanfan]

Re: What2donext / UE Diary

Yep send that to them--> Unenforceability Templates - Section 1

Send the CCA request & postal order back with it.