Swanfan's UE diary

[MattyA]

Re: Swanfan's UE diary

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

[Never-In-Doubt]

Re: Swanfan's UE diary

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?!

[Never-In-Doubt]

Re: Swanfan's UE diary

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!

[Never-In-Doubt]

Re: Swanfan's UE diary

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

[Never-In-Doubt]

Re: Swanfan's UE diary

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!

[swanfan]

Re: Swanfan's UE diary

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.

[Never-In-Doubt]

Re: Swanfan's UE diary

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!

[swanfan]

Re: Swanfan's UE diary

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."

[swanfan]

Re: Swanfan's UE diary

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?

[caspar]

Re: Swanfan's UE diary

I would have thought so. I always ignore those!

[Never-In-Doubt]

Re: Swanfan's UE diary

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

Best of luck

[swanfan]

Re: Swanfan's UE diary

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

[SaltnVinegar]

Re: Swanfan's UE diary

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

[swanfan]

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.

[MrsD]

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!!!!