MustGetStraigh's UE Diary

[MustGetStraigh]

Re: MustGetStraight's UE Diary

OK, have updated my diary all in pretty colours!

Yea, but I presume that nothing is quoted here, that I don't need to act on anything no?

No nothing for you to do Niddy! Just realised that i hadn't updated it properly for ages so ought to be done. I'm managing to stave them all off with your templates!

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

No nothing for you to do Niddy! Just realised that i hadn't updated it properly for ages so ought to be done. I'm managing to stave them all off with your templates!

Bloomin marvellous eh?

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Just wondering how long before they give up ? ;-)

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

never!

Seriously, after 6yrs (totally) however usually they work to the following standards:

Year 1 - you'll get hassled shit loads (and I do mean SHIT loads)
Year 2 - things start to cool down, you'll get a letter every month at least
Year 3 - you'll get half-yearly chaser letters
Year 4 - you'll get one annual letter hoping they find you (tracer usually)
Year 5 - you'll hear little, if anything at all
Year 6 - you'll get one chaser letter at the start and one chaser letter at the end, of the year! This is their "clutching at straws chaser search".... you may well notice a "Debt Trace" on your credit file, if they do this then you will get a letter - at that point you send it back as "Unknown at this address" and do not open it!

Then you reach Statute barred (5yrs in Scotland) = freedom!

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Thanks Niddy
Well most of the defaults are over a year old now, but I only started the CCA'ing in July so I shall expect a few more months of the relentless passing-round-the-debt-to-yet-another-hopeful-DCA... and the we'll-just-keep-writing-back-and-quoting-McGuffick-to-try-to-scare-you....

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

lol, yea you'll have a bit of crap to fend off yet i'm afraid......

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Arrgh. RMA (re Cap One, UE) have written AGAIN. (And they didn't enclose a Christmas card).

I presume that either they can't read (I sent them account sold in dispute) or they're stupid - also the left arm doesn't know what the right arm is doing - I only had a letter from NCO a couple of days ago - which was in response to my Account Sold letter to RMA...
Muppets or as Mrs D would say, Bampots. I'm ignoring them!

Afternoon Niddy Update 8/1 just received another letter from RMA (dated 24/12 !) threatening they "may proceed to complete a pre-litigation report..." etc etc.

I am minded to send them a copy of NCO's (RMA's parent company) letter of 14/12 stating that my "account has been placed into a holding status, meaning that they will not be making any communication written or telephone based...". Is this a good thing to do or not?

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Greetings!
RMA's missive for the day (re NatPest) is a letter offering me a reduced settlement (doesn't say how much) but only valid for 30 days. Sounds like they are getting a bit desperate. I am continuing to ignore them.

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Hi,
I have received a "CCA" from MBNA. It's my application form with a set of Ts and Cs which are obviously recons as my address on them is from a year after the card was taken out. I am presuming that this is UE but will ask Niddy to have a look once things are calmed down. It's my biggie so I really do hope I'm right....

[MrsD]

Re: MustGetStraight's UE Diary

everything crossed for you!!!

[Slickfm]

Re: MustGetStraight's UE Diary

Afternoon Niddy Update 8/1 just received another letter from RMA (dated 24/12 !) threatening they "may proceed to complete a pre-litigation report..." etc etc.

I am minded to send them a copy of NCO's (RMA's parent company) letter of 14/12 stating that my "account has been placed into a holding status, meaning that they will not be making any communication written or telephone based...". Is this a good thing to do or not?

Hi MGS, I have received a 'final response' letter from NCO but I am still receiving the usual threat letters and telephone calls from RMA. What a weird setup eh?

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Hi MGS, I have received a 'final response' letter from NCO but I am still receiving the usual threat letters and telephone calls from RMA. What a weird setup eh?

I don't think it's accidental that they have this setup.
I've had 3 missed calls from RMA today and an answerphone message. Needless to say, am ignoring them all.

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

Hi,
I have received a "CCA" from MBNA. It's my application form with a set of Ts and Cs which are obviously recons as my address on them is from a year after the card was taken out. I am presuming that this is UE but will ask Niddy to have a look once things are calmed down. It's my biggie so I really do hope I'm right....

Hiya

If its clearly a recon then simply send this back and treat it as UE until they send the real thing! ---> CCA Query - Copy Document Supplied

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Hiya

If its clearly a recon then simply send this back and treat it as UE until they send the real thing! ---> CCA Query - Copy Document Supplied

Cheers Niddy - and let's hope they never send the real thing. It took them 6 months to come up with this so I'm living in hope lol.
Thank goodness they sold it on, it really makes no difference to them to find the real thing does it!

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

Cheers Niddy - and let's hope they never send the real thing. It took them 6 months to come up with this so I'm living in hope lol.
Thank goodness they sold it on, it really makes no difference to them to find the real thing does it!

Lol, nah - don't you worry about it