diddlydee's UE diary

[alland]

Re: diddlydee's UE diary

Looks like Mr Steve Mount of Apex Credit Management has been busy this last few days,
I have received a letter from him as well today, informing me they are acting on behalf of Cabot who have now bought my Capitol One card account..and would I kindly give him a call as he really wants to help me...
Yeh right....don't hold your breath waiting fo the call Mr Mound..

[diddlydee]

Re: diddlydee's UE diary

Re: MBNA card

Just an update for my own purposes - no response required

Letter received from Arrow Global.

"Bonjour Madame Diddly, notre petite chou-fleur.

Merci buckets for your letter of the 14th July, forwarded to us as assignees of the above account, and acknowledge your request for documentation persuant to the C.C.A. 1974.

We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course.

We confirm that all collection activity will be suspended pending provision of the documents.

Much love, squeezes, hugs and inappropriate fondles, Arrow Global"

Duly filed

[Never-In-Doubt]

Re: diddlydee's UE diary

eh? If they are the bloody assignees then they are categorically classed as the actual lender/creditor whatever word you wish to use! s.189 (CCA1974) stipulates this: ie that they are required to supply the documents whether they are the creditor or not.

[diddlydee]

Re: diddlydee's UE diary

That is what me thought Nids, hence me bothering to add the content of the letter rather than just file it. Don't think they really get it, do you!

[swanfan]

Re: diddlydee's UE diary

Much love, squeezes, hugs and inappropriate fondles, Arrow Global"

Diddles u have such a way with words.

[diddlydee]

Re: diddlydee's UE diary

One lives in hope, Swanny!

[diddlydee]

Re: diddlydee's UE diary

Re MBNA credit card allaboutFORUMS - View Single Post - diddlydee's UE diary

Received letter from Rossendales, enclosing 10 pages of my "credit agreement", as follows:

Page 1 - screen print of online app
Pages 2-5 - t&cs
Pages 6-7 - statement of account
Page 8 - information table ie. charges etc
Page 9-10 - scanned sig form front and back

Their letter states:

Here you go, strain ya eyes on this little lot! If it's not a true copy of the agreement, send us some photo id.


Do I need to respond to this please??? I seem to remember Niddy saying he would do a special MBNA template for these online apps (?) but haven't seen it as yet......

Thanks for reading

[diddlydee]

Re: diddlydee's UE diary

Re: Barclaycard allaboutFORUMS - View Single Post - diddlydee's UE diary

Letter received from Apex.

1) we know where you live (déjà vu! - see 4th March)
2) clients attempts to contact you have been unsuccessful (erm, a file full of letters says they weren't!)
3) this is potentially your last opportunity to cough up
4) to prevent this matter becoming unmanageable (twats, in my opinion not of the forums!) call our "trained" staff

Is there anything worth sending back to them, please, lovely people of superior knowledge

[Never-In-Doubt]

Re: diddlydee's UE diary

Do I need to respond to this please??? I seem to remember Niddy saying he would do a special MBNA template for these online apps (?) but haven't seen it as yet......

Thanks for reading

Can you send me please?

Ive not got time just yet i'm afraid, will do it in time - promise

[diddlydee]

Re: diddlydee's UE diary

All ten pages Nids?

[Never-In-Doubt]

Re: diddlydee's UE diary

Re: Barclaycard allaboutFORUMS - View Single Post - diddlydee's UE diary

Letter received from Apex.

1) we know where you live (déjà vu! - see 4th March)
2) clients attempts to contact you have been unsuccessful (erm, a file full of letters says they weren't!)
3) this is potentially your last opportunity to cough up
4) to prevent this matter becoming unmanageable (twats) call our "trained" staff

Is there anything worth sending back to them, please, lovely people of superior knowledge

Send this back Final Response - Unenforceability (General)

It'll give you time, whilst they scratch their heads

[Never-In-Doubt]

Re: diddlydee's UE diary

All ten pages Nids?

Yea - Please. Its not a lot is it>? deffo the cover letter and agreement section / signature page. The terms just help, so if you scan 3 pages why not scan 10!

[diddlydee]

Re: diddlydee's UE diary

S'fine, I'll do it now (was just thinking of you having to look at a pile of shyte!)

[diddlydee]

Re: diddlydee's UE diary

Duly sent via email link, cheers Niddy.

[Never-In-Doubt]

Re: diddlydee's UE diary

MBNA - Normal style junk with no real link to original terms, thus I'd be looking to send this back: CCA Query - Missing Prescribed Terms

Also pay attention, and read, the following recent Case: CABOT UK LTD v BACHELLIER [2010]