lookingforward's UE Diary

[jon1965]

Re: fedupwiththeworry's UE Diary

or how about my mates website, one of them would be good

www. dilatare.com

I am shocked and appalled
And if you will pardon the expression, bugger global warming as I see no place for the batteries

[lookingforward]

Re: fedupwiththeworry's UE Diary

Re the BOS card referenced in the last few posts, I sent them the one liner reminding them that the A/C was under investigation, and rec'd this today :-

Letter from Wescot ack that I have raised a query on the A/C and that they will suspend all collections activity whilst the matter is under investigation.


The stick did it's job

Hmmm, don't know what they are playing at now rec'd this in the post this morning:-

Letter from Wescot stating as they have resolved the query I raised the balance is now due. Do not ignore as to do so will result in additional action, incl taking legal action or door step collector.


Either they've now located the agreement and written to me again with it which has got lost in the post, or they are trying it on. As the last letter I got from them is the one stating under investigation above.

[jon1965]

Re: fedupwiththeworry's UE Diary

Maybe a response in a few days saying "what u talking about Wets" and a swift explanation asking if the rain has got to their brain

[MrsD]

Re: fedupwiththeworry's UE Diary

another one liner referring them to their letter..........

I occasionally bring out the BIG PINK MARKER PEN, but Niddy gives me a row, so if it were me I'd send a nice polite one liner

try to remember that you are dealing with the mentally challenged

[lookingforward]

Re: fedupwiththeworry's UE Diary

another one liner referring them to their letter..........

I occasionally bring out the BIG PINK MARKER PEN, but Niddy gives me a row, so if it were me I'd send a nice polite one liner

try to remember that you are dealing with the mentally challenged

Okey dokey, how about

Dear Wescot,
I refer to your letter dated xx/xx/xxxx stating you have resolved my query and payment is due. I refer you to your letter dated xx/xx/xxxx in which stated you were investigating my complaint and that all collection activity would cease whilst it was being investigated. To date I have received no response to my query and do not consider it resolved.

[jon1965]

Re: fedupwiththeworry's UE Diary

Looks good to me

[MrsD]

Re: fedupwiththeworry's UE Diary

I would write

Dear Wescot,
I refer to your letter dated xx/xx/xxxx stating you have resolved the query. I refer you to your letter dated xx/xx/xxxx in which stated you were investigating the complaint, activity would cease whilst it was being investigated. To date I have received no response to the query and do not consider it resolved.

[lookingforward]

Re: fedupwiththeworry's UE Diary

I would write

Dear Wescot,
I refer to your letter dated xx/xx/xxxx stating you have resolved the query. I refer you to your letter dated xx/xx/xxxx in which stated you were investigating the complaint, activity would cease whilst it was being investigated. To date I have received no response to the query and do not consider it resolved.

Will do, thank you

[lookingforward]

Re: fedupwiththeworry's UE Diary

Wescot again:-

Letter from Wescot dated 23.11.12 thanking me for my recent communication, enclosing copy letter as requested and requiring payment. The enclosed letter is from BOS dated 8.7.10 that I rec’d prev on 10.7.10 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 throug the courts as they can’t find, but they don’t agree it’s unenforceable or void.

This is dated before my last letter was sent so assume that this is the letter they think resolves my query.

Shall I just leave this now as they have my last letter anyway stating I do not consider the query resolved, albeit they will probably write again and state this letter received today is the resolution letter.

Mind you how stupid to demand payment when they are sending a letter from the OC which states they are prevented from seeking an enforecement order from the courts.

[jon1965]

Re: fedupwiththeworry's UE Diary

That's Wescot for you. I would just ignore for now as they have crossed in the post

[SXGuy]

Re: fedupwiththeworry's UE Diary

LOL Thats wescot for you, cant enforce but not enforcable. Gotta love their irony.

Id treat that letter as a success

[lookingforward]

Re: fedupwiththeworry's UE Diary

Hi everyone,

Got into this mess when our business started to fail and towards the end my OH took out an MBNA CC to try and stave off the inevitable without success.

It must have been around 2008 time and was a business card, I think I'm on as an additional cardholder. They were added to the Payplan payments in 2009 when the business was just about finished and we couldn't pay them anymore. Last payment was early 2010.

We never sent off for the original agreement to check for UE as it was so recent but hadn't heard anything from them for years, no statements, nothing as far as I can tell until now when Incasso have sent a letter on behalf of MBNA offering £70 odd off the balance if payment is made by the end of the month. The O/S bal is £400 odd.

If we don't pay or get in touch it may result in legal proceedings. Haven't got the money to pay so what should we do ?

This lot are a LLP so don't want to end up with a letter from Northampton.

Thanks

[ScabHunter]

Re: fedupwiththeworry's UE Diary

It is impossible to know for sure how serious they are about this. Court for £400? It has been known.

The letter you've just received makes a discounted offer, which is usually a sign that they don't really want to rip your head off in a court room. If the letter says “may” result in legal proceedings, that is also a sign that it is probably just a threat.

Is this still with the OC? Were you ever formally defaulted? Have you got a copy of a default notice?

I'd send an s. 78 request and see what comes back. At least it will buy you time, and let them know that you know something about consumer law and won't just roll over and cop a judgment in default.

SH

[lookingforward]

Re: fedupwiththeworry's UE Diary

It is impossible to know for sure how serious they are about this. Court for £400? It has been known.

The letter you've just received makes a discounted offer, which is usually a sign that they don't really want to rip your head off in a court room. If the letter says “may” result in legal proceedings, that is also a sign that it is probably just a threat.

Is this still with the OC? Were you ever formally defaulted? Have you got a copy of a default notice?

I'd send an s. 78 request and see what comes back. At least it will buy you time, and let them know that you know something about consumer law and won't just roll over and cop a judgment in default.

SH

I can't really find any paperwork for this, although I will dig some more, but as far as I'm aware it's still with the OC and this letter does say on behalf of MBNA.

We've had zilch through, no statements even though I thought they had to do that once a year.

That being said maybe they had the business address and have been sending stuff there and have only just found out the home address. The Mrs can't remember what she put on the forms though I think they would have required the home address on the application myself.

Shall I send the S.78 to MBNA or to Incasso, I'm not sure which MBNA address to use if it's them.

Ta muchly

[ScabHunter]

Re: fedupwiththeworry's UE Diary

I would send it to InCRASSo as they are the ones who've just brought this back to life.

The lack of statements is an interesting factor – it certainly could give you something to argue later on. No default as well. It might be worth sending an SAR at some stage, just to see exactly what paperwork does exist.

For now, though, I'd just send that s. 78 request and see what comes back.

Our Templates | Unenforceability Templates | CCA Request

SH