Swanfan's UE diary

[Never-In-Doubt]

Re: Swanfan's UE diary

My credit report shews 5 defaults, placed there by RBS.

They do not seem to care that those data are grossly and egregiously inaccurate or that I had fully paid up in March 2011.

Are you serious? I would say a quick threat of Libel is in order, especially if you apply for some credit so others can see this incorrect data - ahem

[Never-In-Doubt]

Re: Swanfan's UE diary

"We have been monitoring your financial records through a CRA & can see an improvement in your financial circumstances, therefore we expect u to contact us immediately. Settling this debt will have a positive impact on your credit record."

What planet are they on!! I can tell them categorically you're not improving - fucking idiots, they really are!!!

Ignore them mate!

[CleverClogs (RIP)]

Re: Swanfan's UE diary

Letter from CMC re MBNA cc:-

"We have been monitoring your financial records through a CRA & can see an improvement in your financial circumstances, therefore we expect u to contact us immediately. Settling this debt will have a positive impact on your credit record."

5 defaults last month, this month 5 defaults.

My credit report shews 5 defaults, placed there by RBS.

They do not seem to care that those data are grossly and egregiously inaccurate or that I had fully paid up in March 2011.

[IF]

Re: Swanfan's UE diary

Yea but i don't swear garlok.

[MrsD]

Re: Swanfan's UE diary

another great big porkie from MBNA, thought telling debtors porkies was illegal?

Maybe they're going to refund all their ridiculous charges and interest and compensate you for all the shyte they've sent you and its just not showing yet, or maybe not............

[swanfan]

Re: Swanfan's UE diary

Hi swanny,

I think the infamous response in Arkell v Pressdram (1971) springs to mind.

regards
Garlok

Yea but i don't swear garlok.

[garlok]

Re: Swanfan's UE diary

Hi swanny,

I think the infamous response in Arkell v Pressdram (1971) springs to mind.

regards
Garlok

[swanfan]

Re: Swanfan's UE diary

Letter from CMC re MBNA cc:-

"We have been monitoring your financial records through a CRA & can see an improvement in your financial circumstances, therefore we expect u to contact us immediately. Settling this debt will have a positive impact on your credit record."

5 defaults last month, this month 5 defaults.

Nope, no improvement on my credit report.

[Never-In-Doubt]

Re: Swanfan's UE diary

Just ignore matey

[swanfan]

Re: Swanfan's UE diary

CITICARDS

Last payment- Jul 2009
Status- Defaulted
Balance- 10.7K

CCA request to Citi- 15/02/10
CCA reminder to Collect Direct- 19/03/10
CCA copy document to Citi- 08/04/10
CCA final response to Citi- 26/04/10
Doorstep letter to Collect Direct- 05/05/10
Refusal to accept UE to Collect Direct- 27/05/10
Threat-o-gram lba to Collect Direct- 07/06/10
Threat of charging order to Cabot- 01/11/10

Letter from Cabot in response to mine from 1/11/10,

They've sent 60 pages of statements and with this is a covering letter which says:-

"We have made several requests for a copy of the agreement from Citi, howevre we still awaitnig this.

Citi has provided us with copies of statements pertaining to your account. They detail payments that have been made by you which constitutes an acknowledgement of your responsibility ot repay the debt...

I would recommend you contact our collections dept to discuss the options available to settle this account."

Going to ignore this, unlses there's a "Thanks for the supply of bog paper letter."

[swanfan]

Re: Swanfan's UE diary

Letter from Barclays telling me about the FSCS & the compensation level has increased.

[Never-In-Doubt]

Re: Swanfan's UE diary

This lot are even bigger dumbarses than i gave them credit for.

They've sent exactly the same letter again today.

Send this mate: Final Response - Unenforceability (General)

[swanfan]

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."

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

This lot are even bigger dumbarses than i gave them credit for.

They've sent exactly the same letter again today.

[MustGetStraigh]

Re: Swanfan's UE diary

Always makes me laugh when they come out with the employer bit... I'm self employed too.
Maybe I should write back next time and tell them they I've been sacked
RMA are a real bunch of horrible lowlife, they're the worst I've had to deal with (so far).

[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!!!!