Swanfan's UE diary

[swanfan]

Hello everybody ;Hi

A brief summary of what's happened to me, ran short of work last year & wrote to all creditors who did bu**er all to help me. I then discovered UE & shortly after i found Niddy. Things couldn't have got any worse then ;LOL nah only kidding Niddy mate can't thank you enough really :weed. Summary of cards to follow...

[swanfan]

Re: Swanfan's UE diary

MBNA

Last payment- Aug 2009
Status- Defaulted
Balance- £12,785

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
Threat by lender & Refusal doorstep visitto CMC- 18/05/11
Threat by lender TCL to CMC- 7/06/11
Threatogram LBA to CMC- 12/07/11
Enough is enough to Fairfax- 27/10/11
Account sold wid to Aktiv Kapital- 17/03/12
CCA Query Missing PTs to Aktiv Kapital- 28/07/12

[swanfan]

Re: Swanfan's UE diary

MINT

Last payment- Jul 2010
Status- Defaulted
Balance- £4662

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 to commence litigation to Triton- 26/01/11
Threat of doorstep visit to Tiriton- 18/03/11
Threatogram lba to Triton- 26/03/11
Threat to commence litigation to Green- 10/05/11
Threat to commence litigation to RMA- 12/07/11
Final response UE (general) to RMA- 21/07/11
Threatogram lba to Moorcroft- 9/12/11
CCA Query- Letter confirm no CCA to Moorcroft- 21/12/11
Final response UE(cca recd) to Moorcroft- 17/03/12
Account sold wid to Westcot- 28/07/12
Creditor refusal to accept UE to Westcot- 23/08/12
Niddy letter #218 to Nelson Guest- 02/10/12

[swanfan]

Re: Swanfan's UE diary

BARCLAYCARD

Last payment- May 2009
Status- Defaulted
Balance- £2998

CCA request to Debt Managers- 15/02/10
CCA reminder to Robinson Way- 13/03/10
CCA sect 10 to Robinson Way- 14/04/10
CCA query to Barclaycard- 24/05/10
Account sold to Westcot- 22/06/10
CCA t&c to Barcaycard- 23/08/10

[swanfan]

Re: Swanfan's UE diary

CITICARDS

Last payment- Jul 2009
Status- Defaulted
Balance- £10,693

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

[swanfan]

Re: Swanfan's UE diary

LLOYDS TSB

Last payment- Feb 2010
Status- Defaulted
Balance- £4,493

CCA request to LTSB- 01/03/10
Account sold to MHA- 06/04/10
CCA Final response to LTSB- 09/04/10
Doorstep letter to BLS- 20/07/10
Refusal to accept UE to BLS- 03/08/10
Refusal to accept UE to Debt Managers- 18/08/10
Legal threat by DCA to Apex- 19/11/10
CCA Query No CCA to Apex- 12/02/11
CCA Query No CCA to Robinson Way- 21/05/11
CCA Query No CCA to Westcot- 5/12/11
CCA Query No CCA to 1st Credit- 15/08/12

[Susie]

Re: Swanfan's UE diary

Good luck with these, I have Mint, Experto/MBNA and Lloyds so it will be interesting to see how our paths compare

[swanfan]

Re: Swanfan's UE diary

Just a brief update, though not much happening really. ;-y

No response from Barclayshark or LTSB to recent letters.

No reply from Mint,very early days though.

Nothing from Citi, gone very quiet there.

I have had about 10 phone messages last week from Experto Carppynameo(re MBNA), but have had nothing this week.

[Never-In-Doubt]

Re: Swanfan's UE diary

Dude time to send this to those that harass you by phone - no more Mr Nice Guy

---> http://forums.all-about-debt.co.uk/s...96&postcount=5

[swanfan]

Re: Swanfan's UE diary

Dude time to send this to those that harass you by phone - no more Mr Nice Guy

---> http://forums.all-about-debt.co.uk/s...96&postcount=5

Thanks matey, i've not sent the 'harrassement by telephone' letter though. I'm guessing i should send that first? ;Hmm

[Never-In-Doubt]

Re: Swanfan's UE diary

Dude time to send this to those that harass you by phone - no more Mr Nice Guy

---> http://forums.all-about-debt.co.uk/s...96&postcount=5

Thanks matey, i've not sent the 'harrassement by telephone' letter though. I'm guessing i should send that first? ;Hmm

Nah get stuck in with that mate lol

[swanfan]

Re: Swanfan's UE diary

Okies, will do boss lol.

[Never-In-Doubt]

Re: Swanfan's UE diary

save the best til last matey - i'll "do you" then off to bed hehe - oooer, nothing to "do" is there? Cool, ok well i'm outta here with each and every post updated within UE threads - phew, am knackered!!

[size=5]Night[/s] morning lol

[swanfan]

Re: Swanfan's UE diary

Statement from Mint saying "We will be increasing your interest rate in 2 month's time".

Nice of them isn't it. Have the BoE rate been increased or they looking to increase profits(again). ;Hmm

Apart from that no other letters. ;-y

[Never-In-Doubt]

Re: Swanfan's UE diary

muppets - what, increase interest on a debt that won't be paid? why would they do that! Ahhh, unless when they sell it that way they can sell it for more as the book value reads higher than the "actual" debt amount.... yea, like they will blag that with those wiley DCA's - muppets, as I say !!!!