Doozy Diary

[doozy]

MBNA

Date Commenced :- Aug 1999
Was £7500 , Now £8500
Date last paid :- Aug 10
In Default
Optima legal services

21 Oct '10
Cca request sent after they issued me with a notice of sums in arrears.

11 Nov'10
They sent me the application form I filled in.

26 Jan '11
Sent the this is an application letter template.

7 Feb'11
Received Default Notice

Dates Unknown
Received some letters from Optima, I stupidly ignored them
I meant to send letter in dispute template.

15 Jun '11
Received letter from court
Entered a defence online

19 June '11
Sent in dispute letter to Optima

Date Unknown
Received letter form Optima stating legal proceedings have been started.
However will refer to client.

11 July '11
received letter stating I have no grounds for defence as follows:-

The Agreement clearly contains all required prescribed terms under the Consumer Credit Act 1974 and the Consumer Credit (Agreements) Regulations 1983 and it therefore remains enforceable. All the issues, which form the basis of your defence, have been satisfied in their entirety. Consequently, as there are no longer any outstanding issues raised in your defence you have no grounds on which to defend our clients claim.

We invite you to withdraw your defence failing which we will advise our client to make an application for summary judgement

[Deepie]

Re: Doozy Diary

Hi Doozy
Optima pain in the butt they seem to go stright for the jugular
They did with me....

[doozy]

Re: Doozy Diary

HALIFAX LOAN

Post 2007 – I deemed it Enforcible
Approx £20000
Last Full payment around August 09
In Default

6 March'11
Sent letter to Blair Oliver & Scott stating that I owed 20,012.07 to the Bank of Scotland.
I stated that over 25yrs this would be £66.71 per month.

They accepted but would be subject to review

Currently paying

[Deepie]

Re: Doozy Diary

HALIFAX LOAN


Post 2007 – I deemed it Enforcible


Approx £20000


Last Full payment around August 09


In Default


6 March'11
Sent letter to Blair Oliver & Scott stating that I owed 20,012.07 to the Bank of Scotland.
I stated that over 25yrs this would be £66.71 per month.


They accepted but would be subject to review


Currently paying

Have you checked the default notice? have a read here http://forums.all-about-debt.co.uk/s...4&postcount=54

[doozy]

Re: Doozy Diary

EGG CREDIT CARD

PRE 2007
Last Payment around feb/march 2010
Balance approx £5400
In Default

Went for unenforceable on approved limit.

Post Court Case
Agreed payment plan with Frederickson International Ltd
£45.41 over 10 yrs

Currently Paying

[doozy]

Re: Doozy Diary

HALIFAX CREDIT CARD

PRE 2007
APPROX £15000
DATE LAST PAID – APPROX SEP 2009
IN DEFAULT

22nd March 2010
CCA Request

15th April 2010
Received letter sent stating they had sent documentation

28th April 2010
Letter sent stating I had received no documentation and they were in default

22nd June 2010
Sent In dispute letter to Robinson Way
Account was placed on hold

5th July 2010
Sent final response to Halifax

4th January 2011
Sent In dispute letter to Moorcroft Debt Recovery
Account was placed on hold

12th June 2011
Sent In dispute letter to Westcott Credit Services
Account was placed on hold

[doozy]

Re: Doozy Diary

SAINSBURYS BANK

PRE 2007
APPROX £8500
DATE LAST PAID – APPROX SEP 2009
IN DEFAULT


22nd March 10
CCA Request Sent
8th April 10
CCA Reminder sent
15th April 10
Letter sent by Halifax stating documentation was sent
22nd April 10
Sent letter stating no documentation recieved and continued with final response

As far as my own records show I have not received anything else

[Never-In-Doubt]

Re: Doozy Diary

MBNA

11 July '11
received letter stating I have no grounds for defence as follows:-

The Agreement clearly contains all required prescribed terms under the Consumer Credit Act 1974 and the Consumer Credit (Agreements) Regulations 1983 and it therefore remains enforceable. All the issues, which form the basis of your defence, have been satisfied in their entirety. Consequently, as there are no longer any outstanding issues raised in your defence you have no grounds on which to defend our clients claim.

We invite you to withdraw your defence failing which we will advise our client to make an application for summary judgement

Can you please email a copy of the agreement, the terms they issued, the default notice, the termination notice and the N1 claim form for me to check please - do not send anything back to the courts right now - just get these papers emailed to me asap - and don't blank anything out, leave them intact

agreements@all-about-debt.co.uk

[Never-In-Doubt]

Re: Doozy Diary

HALIFAX LOAN

Post 2007 – I deemed it Enforcible
Approx £20000
Last Full payment around August 09
In Default

6 March'11
Sent letter to Blair Oliver & Scott stating that I owed 20,012.07 to the Bank of Scotland.
I stated that over 25yrs this would be £66.71 per month.

They accepted but would be subject to review

Currently paying

Best of luck with this - not much we can really do, you seem to have it in hand - so good luck

[Never-In-Doubt]

Re: Doozy Diary

EGG CREDIT CARD

PRE 2007
Last Payment around feb/march 2010
Balance approx £5400
In Default

Went for unenforceable on approved limit.

Post Court Case
Agreed payment plan with Frederickson International Ltd
£45.41 over 10 yrs

Currently Paying

Why did you come to an agreement just based on the Egg case? There are loads of faults with their applications, the approved limit was one element. I think you ought to also email a copy of this, and the terms they sent with it.

Thanks!

[Never-In-Doubt]

Re: Doozy Diary

HALIFAX CREDIT CARD

12th June 2011
Sent In dispute letter to Westcott Credit Services
Account was placed on hold

Please send a copy of the agreement and terms that you have been sent, if applicable.

[Never-In-Doubt]

Re: Doozy Diary

SAINSBURYS BANK

PRE 2007
APPROX £8500
DATE LAST PAID – APPROX SEP 2009
IN DEFAULT


22nd March 10
CCA Request Sent
8th April 10
CCA Reminder sent
15th April 10
Letter sent by Halifax stating documentation was sent
22nd April 10
Sent letter stating no documentation recieved and continued with final response

As far as my own records show I have not received anything else

Can you confirm that no CCA has been received to date? If not then ignore this until they get in touch - I presume you have a copy of the original you sent plus a copy of the proof of postage, right?