Swanfan's UE diary

[Never-In-Doubt]

Re: Swanfan's UE diary

Experto and varde have had enough of niddys' letters, account sold to Aktiv capital. I'm to contact them now to claer this oustanding amount.

Sooo if Varde bought it for xx pence in the pound from MBNA, will Aktiv have bought it for xx pence in the £ that was paid by Varde? If they pay less than the amount Varde paid this could bring the eventual total down significantly if you ever decided to do a f&f

Glad Varde do give up sometimes though, the letters are obviously working nicely

Em no.

I can't believe anyone believed swanny was gonna make an offer - there's more chance of Elvis having a picnic with Jacko on the moon than swanny making any offer to any bank or dca

[swanfan]

Re: Swanfan's UE diary

I can't believe anyone believed swanny was gonna make an offer - there's more chance of Elvis having a picnic with Jacko on the moon than swanny making any offer to any bank or dca

And guess what?! Letter from Aktiv Kapital offering me the chance to pay the o/b at a reduced sum of £7,351.52 in 3 small monthly payments...!

Let me think....

[nanna58]

Re: Swanfan's UE diary

swanny have you thought yet

[swanfan]

Re: Swanfan's UE diary

Letter today from Mint, they are referring the account to Wescot as a suitable repayment plan hasn't been arranged.

I look forward to not arranging one with Wescot too...

[swanfan]

Re: Swanfan's UE diary

MINT

Last payment- Jul 2010
Status- 6 months in arrears
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

So... 6 weeks after the promised letter Wescot have been in touch re Mint. Usual bull pay in full or contact us, failure to do so will result in further action. Will send them this--> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[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

Aktiv Kapital have sent 10 years worth of statements plus another copy of the CCA. That's the third i've had...

Copy of this on its way--> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[swanfan]

Re: Swanfan's UE diary

So... 6 weeks after the promised letter Wescot have been in touch re Mint. Usual bull pay in full or contact us, failure to do so will result in further action. Will send them this--> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

Letter from Westcot, 'Please sent your CCA request to Mint, enclosing the £1 fee...'

Eh, wtf?! Do these dumbfucks read or check anything properly?

One liner on it's way plus copies of the original cca request & the above template letter so they can re-read them! Perhaps they'll actually understand it this time!

[swanfan]

Re: Swanfan's UE diary

So another letter from Westcot dated 1 day after the 'Send your CCA request to Mint,' letter. This one placing the account on hold while they investigate the query raised...

This lot have gotta be the most incompetent bunch of i have dealt with...

[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

So... having just looked at my credit file the default from Experto has disappeared. No doubt this will be replaced with Aktiv Kapital or 1st Credit!

[swanfan]

Re: Swanfan's UE diary

LLOYDS TSB

Last payment- Feb 2010
Status- Defaulted
Balance- £4493

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

So... A letter from LTSB... A notice of assignment, account sold to 1st Credit Ltd. A letter from 1st Credit in the same envelope demanding payment... *sigh*.

[Never-In-Doubt]

Re: Swanfan's UE diary

Seems 1st are buying lots of HBOS accounts. Treat like the rest mate, respond with sold in dispute template

[swanfan]

Re: Swanfan's UE diary

I had a no cca letter from LTSB so i was gonna send that plus this--> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

[Never-In-Doubt]

Re: Swanfan's UE diary

I had a no cca letter from LTSB so i was gonna send that plus this--> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

even better mate, if 1st give you shit lemme know

[swanfan]

Re: Swanfan's UE diary

MINT

Last payment- Jul 2010
Status- 6 months in arrears
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

Reply from Westcot, 'We have contacted our client, they have complied with your request and issued a final response... We believe dispute resolved, full balance or monthly payment plan required...'

Gonna send this--> Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

[alland]

Re: Swanfan's UE diary

Swanny, I've been playing out this scenario out with Wescot's on a RBS visa account for the last 6 months...they write and as they have done with you,tell me their client has complied with my CCA request.
I write back and say they are talking bo**ox, Wescot writes back and says collection activity on hold while the consult their client....then the same letter telling me RBS have complied comes again a month later....I write back and tell them again it's bo**ox...and so it goes on and on...only folk making any money out of this right now is the Royal Mail in stamp revenue...