lookingforward's UE Diary

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Cap One C/C

Hi Niddy,

Assume I ignore this latest letter

Hiya, yep you would ignore it...... ;-y ;-y

[lookingforward]

Re: fedupwiththeworry's UE Diary

Thanks Niddy & Mustgetstraight

[lookingforward]

Re: fedupwiththeworry's UE Diary

ASDA C/C - Last payment 27.04.10

24.5.10 CCA Request sent
1.6.10 Normal statement received showing £1.00 cca payment taken off as a cash payment.

3/06/10 CCA REMINDER SENT
4.6.10 CL Finance sent letter as the creditor in the matter. They do not hold a copy so are in process of retrieving. Confirm no enforcement action while request is o/s.
25.06.2010 Copy of original Application form rec’d. :UE
29.06.2010 S10 Cease and Desist posted


6.7.10 Letter from CL rec’d in response to chase up stating they have responded and enclosing copy of details we rec’d 25.6.10

8.7.10 Normal statement received

2.8.10 Normal statement rec’d plus a letter advising I’ve failed to make concessionary payment. If no payments agreement will be cancelled, default registered etc wtg Niddy to see if I ignore

12.8.10 Default notice and default charges letters rec’d-no action req’d on these re niddy

13.8.10 Debtors final response cca recd letter sent to cl finance

25.8.10 Letter rec’d from CL stating they have fullfilled their obligations and sent a copy of the same info again.

4.9.10 Normal statement rec’d

6.9.10 Refusal by lender to accept UE letter sent to cl finance


Today I have received a letter from CL re my letter 6.9.10 saying they have noted but not accepted the contents. It remains their contention that they have provided a true copy of the original agreement and the T&C's that were incoroprated on the reverse of my agreement.

They have no further comments to add to the matter and therefore look forward to receiving my payment proposals by return.........

They'll have a long wait

Guess I should take that as their final response and ignore them ?

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Hiya

Yep - draw a line under this now. Idiots don't have a clue, i'd like to see them win in court using an application as a bloody CCA! Idiots idiots idiots!!!

[lookingforward]

Re: fedupwiththeworry's UE Diary

Thanks Niddy

[lookingforward]

Re: fedupwiththeworry's UE Diary

Cahoot loan
Last payment 26.04.10

24.5.10 CCA Request sent

04.06.2010 Delivered

10.06.2010 No response received. CCA Reminder sent

10.06.2010 CCA Rec’d email’d to Niddy to check

24.6.10 Letter rec’d saying looking into complaint

25.6.10 Re emailed Niddy for clarification on CCA

29.06.10 S10 Cease and Desist sent



17.7.10 Letter rec’d acknowledging complaint stating they will investigate, bal still o/s etc etc.

28.7.10 transaction list for a/c received.

2.8.10 Letter rec’d apologising for delay.

2.8.10 Ltter rec’d refuting S.10 need to send to Niddy.

13.8.10 Debtors final response CCA rec’d letter sent

26.8.10 Letter rec’d Moorcroft saying I have defaulted on agreement to pay £18.78 per month. So now in arrears by £18.70. Their records show dealing through a 3rd party if no longer the case contact them directly. Inless payments are maintained there’s a possibility they may recommend to their clients to instruct solicitots for legal proceedings.

4.9.10 Letter rec’d Moorcroft saying despite letters I have defaulted , arrears now £37.48. as a result of this a/c has been passed to home collections div for action. May involve home visit etc.

6.9.10 Threat of doorstep visit letter sent


6Month statement 03/10 > 09/10 rec'd today will ignore. Interesting to note though that although last Payplan payment was made in April they don't have it as received until May so will have to wait another month for SB.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Dude SB counts from the date of acknowledgement, not the date they update CRA's and/or payment processed..... remember it all goes on last acknowledgement......

[lookingforward]

Re: fedupwiththeworry's UE Diary

Ahh, so as I acknowledged I had the debt by paying Payplan in April SB will be APR 2016 ?

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Technically yes, that is how it works however after 3yrs you'll probably be ok to apply again and the sub prime cards will take you, like barclaycard initial, aqua, crappy1, vanquis etc etc

So just sit tight and see what happens in time....

[lookingforward]

Re: fedupwiththeworry's UE Diary

Thanks Niddy, no more credit for me though, lesson learnt, I just want to wait for the day when SB kicks in so these buggers won't be able to hassle me at all.

[lookingforward]

Re: fedupwiththeworry's UE Diary

Quick update:

Statement received yesterday from CL Finance re ASDA C/C :UE (Oct 08-Jul 10) Ignoring.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Yep, just ignore..... keep us updated. y

[lookingforward]

Re: fedupwiththeworry's UE Diary

BOS C/C Last payment 26.04.10


24.5.10 CCA Request sent
26.5.10 Letter received stating they are awaiting documentation
2.6.10 Copy of orig signed form plus reconstituted current terms & conditions
3/06/10 Dispute section10 sent
3.6.10 Letter received from Blair Oliver & Scott chasing payment of £28.77
15.6.10 Letter rec’d from Blair etc chasing payment arrears(no amount quoted)
21.06.10 Refusal to accept unenforcability sent with copy of s10 to both BOS and Blair Oliver Scott.
24.6.10 Letter rec’d stating unenforceable as they can’t find docs
10.7.10 Rec’d letter basically the same as the one rec’d on 24.6.10 stating they can’t find the reconstituted version of the executed agreement so can’t send. They sent signed copy of application form and T&C’s. They will not seek to enforce as they can’t find, but they don’t agree it’s unenforceable. Need to send to Niddy when BB back up.


15.7.10 Payment chase up rec’d from Blair Oliver Scott.


28.7.10 Emailed the 10.7.10 letter and explained the Blair letter to Niddy.

13.8.10 Refusal by lender/dca to accept unenforceability letter sent to Blair

14.8.10 Letter from Wescot rec’d demanding payment..wtg Niddy

20.8.10 a/c sold while in dispute letter sent to Wescott along with a copy of letter sent to Blair on the 13.8.10

27.8.10 Letter from BOS ack receipt of letter dated 13.8.10 (sent to Blair) saying they can’t trace the recon version of the executed agreement and therefore are not in a position to provide a copy at this time. However they did provide a copy of the signed app form and current t&c’s. They are satisfied that the t&c’s of the agreement were on the reverse of the app form therefore I had seen them. They will not seek to enorce the agreement though the courts but it is not void. This is their final response on the matter.


24.9.10 C/C statement rec’d stating if I don’t make a payment they will take from another a/c or savings a/c with them even if it’s a joint a/c. Ignore re Niddy

Letter received today from IQOR Recovery Services Ltd stating mastercard gold card have passed the debt onto them with instructions to recover the o/s balance in full. Threats in the letter include that they may take legal action in the county court/sherrif court which may result in a judgement against me, or they may instruct a debt collector to visit mt home and collect the debt personally.

Basically they want a payment proposal.

What letter should I respond to with this please Niddy ?

Thx as always

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

BOS C/C Last payment 26.04.10

What letter should I respond to with this please

Did you get the CCA - is it enforceable or unenforceable? I can't remember (obviously lol)..... in any case, respond to IQoR with this: ---> viewtopic.php?p=2319#p2319

[lookingforward]

Re: fedupwiththeworry's UE Diary

Hi Niddy,

On 2nd June they sent App form and recon T&C's

On the 24th June, 10th July and 27th Aug they've stated they can't enforce but don't agree it's unenforceable.

Thanks I'll send the letter today.