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  • Re: Swanfan's UE diary

    Looks like you are doing ok to me Swanny - Well done!

    Comment


    • Re: Swanfan's UE diary

      Originally posted by swanfan View Post
      Letter from Mint referring to above letter:-

      "We do not consider this account to be in dispute as we have fully complied with CCA s78 request, the account remains due and we will pursue for ful repayment. Non payment will be recorded on my credit file... "

      They go on to say this is their final response.
      Good, let them ignore you then eh?!
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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      • Re: Swanfan's UE diary

        Originally posted by swanfan View Post
        In response to the above letter Rob Way have removed the account from their files & sent it back to LTSB.

        Result.
        Result - and they are now ignoring you too, shame it won't last for long!
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • Re: Swanfan's UE diary

          Originally posted by swanfan View Post


          Letter from RMA re Mint account. Letters sent so far--> #3

          Just saying the account has been passed to them for collection, & to contact them to arrange a payment plan.

          Ignore for now?
          Ignore
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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          • Re: Swanfan's UE diary

            Originally posted by swanfan View Post
            Letter from CMC re MBNA account, letters sent so far--> #2

            "As a final option prior to any escalation, we are instructed to offer you an installment plan of £10 per month, which is free of interest charges."

            Nope no interest in that offer. Shall ignore.
            Is it an enforceable or unenforceable account? I dunno without you quoting updates matey....?

            if you aint gonna pay it then yes, ignore!
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • Re: Swanfan's UE diary

              Originally posted by Never-In-Doubt View Post
              Is it an enforceable or unenforceable account? I dunno without you quoting updates matey....?

              if you aint gonna pay it then yes, ignore!
              Enforceable it says so in post #2



              * alright i confess i've only just remembered to add it.

              Comment


              • Re: Swanfan's UE diary

                Originally posted by swanfan View Post
                Enforceable it says so in post #2

                * alright i confess i've only just remembered to add it.
                Ok, well you already decided to ignore - so i'll go with that!
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                • Re: Swanfan's UE diary

                  Originally posted by swanfan View Post
                  MBNA

                  Last payment- Aug 2009
                  Status- Defaulted
                  Balance-12.8K

                  CCA request to Experto-15/02/10
                  CCA reminder to Experto-13/03/10
                  CCA sect 10 to Experto-14/04/10
                  CCA query to Experto-26/04/10
                  Harassment by Phone ToLAT to Experto- 03/09/10
                  TLA & RDV to CMC- 18/05/11
                  TBL TCLto CMC- 7/06/11

                  Letter from CMC:-

                  Notice of Impending Legal Proceedings

                  "Unless payment is received in 7 days we may instruct our solicitors to consider legal action against you, which could increase your liability considerably."

                  Comment


                  • Re: Swanfan's UE diary

                    Originally posted by swanfan View Post
                    MINT

                    Last payment- Jul 2010
                    Status- 6 months in arrears
                    Balance- 4.6K

                    CCA request to Mint- 23/08/10
                    CCA app form to Mint- 24/09/10
                    Threat of doorstep visit to Resolvecall- 19/11/10
                    Threat TCL to Triton- 26/01/11
                    Threat of doorstep visit to Tiriton- 18/03/11
                    Threat LBA to Triton- 26/03/11
                    Threat TCL to Green- 10/05/11
                    Another letter from RMA:-

                    "I am writing to yoiu to formally bring to your attention that despite our attempts to reach a suitable agreement on your account, the matter remains unresolved.

                    Should this not be rectified within the next few days, we may recommend our client takes legal action against you... "

                    Ignore for now?

                    Comment


                    • Re: Swanfan's UE diary

                      I would have thought so. I always ignore those!

                      Comment


                      • Re: Swanfan's UE diary

                        Mate look at sending the legal threat for both Mint & MBNA

                        Best of luck
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment


                        • Re: Swanfan's UE diary

                          Originally posted by swanfan View Post
                          MINT

                          Last payment- Jul 2010
                          Status- 6 months in arrears
                          Balance- 4.6K

                          CCA request to Mint- 23/08/10
                          CCA app form to Mint- 24/09/10
                          Threat of doorstep visit to Resolvecall- 19/11/10
                          Threat TCL to Triton- 26/01/11
                          Threat of doorstep visit to Tiriton- 18/03/11
                          Threat LBA to Triton- 26/03/11
                          Threat TCL to Green- 10/05/11
                          Threat TCL to RMA- 12/07/11

                          Another letter from RMA:-

                          "Unless we agree suitable payment terms with you we may proceed to complete a pre-litigation report in which the following information must be supplied in writing by you:-

                          1. The full name and address of your employer, together with your annual salary.
                          2. Your full residental address upon which a court summons may be served.

                          We may begin legal proceedings against you as our attempts at a voluntary solution have failed."

                          Are these dipshits for real?

                          Guess i should ignore as this will have crossed with the letter i sent to them on the 12th--> Unenforceability Templates - Section 5

                          Comment


                          • Re: Swanfan's UE diary

                            Originally posted by swanfan View Post
                            Another letter from RMA:-

                            "Unless we agree suitable payment terms with you we may proceed to complete a pre-litigation report in which the following information must be supplied in writing by you:-

                            1. The full name and address of your employer, together with your annual salary.
                            2. Your full residental address upon which a court summons may be served.

                            We may begin legal proceedings against you as our attempts at a voluntary solution have failed."
                            A pre-litigation report - OOOOOOOOOOOOOh!

                            What a bunch of losers. So lets tackle point 1:

                            You are under no obligation to provide them with the name and address of your employer, nor your salary details.

                            They would be soon on the phone harrassing you at work were you to provide this information!

                            Point 2 - Your full residential address to serve summons? What address are they frigging writing to you at then?!!!!!!!

                            Nasty legalese letter of intimidation. Report their sorry arse to the OFT.

                            Best

                            SnV
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!



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                            • Re: Swanfan's UE diary

                              Thanks Snv, i know i don't need to supply them with bugger all.

                              As you say they have my address anyway & as for employer details, i'm self employed.

                              As i said they're dipshits.

                              Comment


                              • Re: Swanfan's UE diary

                                I would report them swanny, its intimidation and think of all the poor buggers who will give em the details cos they don't know Niddy!!!!

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