DNW's UE Diary

[DNW]

Re: DNW's UE Diary

Egg 1

Name                     - Egg
Type of account          - Credit Card
Date commenced           - July 2002
Approx balance           - £6,722
Date last paid           - Mar-11    
Arrangement/not paying   - Token Payment
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 07/04/2011 DD Cancelled letter
2. 07/04/2011 DD cancelled and payment reminder
3. 12/04/2011 Accept £1 token payment and suspend interest and charges for temp period. Default in due course.
4. 26/04/2011 DD reminder
5. 20/05/2011 Card not to be renewed
6. 09/08/2011 Card withdrawn and cancelled
7. 17/08/2011 CCA Request sent
8. UPDATE 27/08/2011 CCA received - sent to Niddy via secure section
   

Updated 27/08. Awaiting Niddy's response

[DNW]

Re: DNW's UE Diary

Hitachi Capital

Name                     - Hitachi Capital
Type of account          - Loan
Date commenced           - May 10
Approx balance           - £825
Date last paid           - Mar-11    
Arrangement/not paying   - Token Payment
Status                   - In Arrears (DN Rec'd)
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 13/04/2011 DD cancelled letter
2. 14/04/2011 Refuse £1 and will default than pass to Recovery
3. 09/06/2011 Arrears Notice
4. 12/07/2011 Default notice and now passed to Recovery
5. 12/07/2011 Discount offer rec'd - 30% of £825.91 (£247) within 14 days
6. 24/07/2011 My letter - counter offer £150
7. 27/07/2011 Letter rec'd - £150 refused
8. 17/08/2011 CCA Request sent
9. UPDATE 27/08/2011 Letter from Hitachi refusing request for as my letter was unsigned. My letter returned to me for signature.
   

Updated 27/08. Do I respond to their signature request with anything?

[DNW]

Re: DNW's UE Diary

Honda Finance

Name                     - Honda Finance
Type of account          - Loan
Date commenced           - July 09
Approx balance           - £3,500
Date last paid           - Mar-11    
Arrangement/not paying   - Token Payment
Status                   - In Arrears (DN Rec'd) 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 11/04/2011 Unable to suspend further account action
2. 12/04/2011 DD cancelled letter received
3. 15/06/2011 Default notice
4. 17/06/2011 Notice of arrears
5. 07/07/2011 Agreement terminated
6. 17/08/2011 CCA Request sent
7. UPDATE 27/08/2011 CCA received and sent to Niddy via secure section
   

Updated 27/08. Awaiting Niddy's response.

[DNW]

Re: DNW's UE Diary

Three posts above all updated today and awaiting instruction!

[swanfan]

Re: DNW's UE Diary

Updated 27/08. Do I respond to their signature request with anything?

Send this--> Unenforceability Templates - Section 1

Include your letter & po/cheque if they were sent back to u.

[DNW]

Re: DNW's UE Diary

Marbles

Name                     - Marbles
Type of account          - Credit Card
Date commenced           - Aug 2003
Approx balance           - £9,600
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd)
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 08/04/2011 DD cancelled letter
2. 20/04/2011 Frozen interest and charges provided £1 payment sent
3. 28/05/2011 Notice of arrears
4. 09/07/2011 Default notice
5. 24/07/2011 My letter - no change in circumstances.
6. 28/07/2011 In arrears notice
7. 17/08/2011 CCA Request sent
   
8. UPDATE: 30/08/2011 Received a copy of current executed agreement and signed statement. Copy of original signed application form has been requested and will be sent under separate cover.

Updated today - do I need to do anything with this or just sit and wait for them to send the original application form (even though that isn't what I asked for...?). Niddy do I need to send you this letter and/or agreement?


Also, I received another CCA today - I uploaded the ones from the other day to the secure section but now I'm not sure if I should've emailed them instead? Whenever I see Niddy requesting them, he generally asks people to email him

[Deepie]

Re: DNW's UE Diary

Updated today - do I need to do anything with this or just sit and wait for them to send the original application form (even though that isn't what I asked for...?). Niddy do I need to send you this letter and/or agreement?


Also, I received another CCA today - I uploaded the ones from the other day to the secure section but now I'm not sure if I should've emailed them instead? Whenever I see Niddy requesting them, he generally asks people to email him

Just sit and wait for them to send you it, as for uploading makes on differance Niddy will get round to looking

[MrsD]

Re: DNW's UE Diary

I would just sit tight with Marbles, let them struggle around in their dungeon looking for the bits of paper, reading a few of the diaries, there must be quite a few of them down there, must be getting a bit busy!!

Who sent the other CCA?
if you could post on here that you have one and then ask Niddy if he wants to see it, it makes it easier to keep track

[DNW]

Re: DNW's UE Diary

Thanks I2D

I need to learn the art of patience don't I, specially over a BH weekend?!

[DNW]

Re: DNW's UE Diary

I would just sit tight with Marbles, let them struggle around in their dungeon looking for the bits of paper, reading a few of the diaries, there must be quite a few of them down there, must be getting a bit busy!!

Who sent the other CCA?
if you could post on here that you have one and then ask Niddy if he wants to see it, it makes it easier to keep track

Yeah I've read that about Marbles too

I updated my 3 posts a couple of days ago, quoted myself and marked them as having sent to Niddy via secure section... Did I do it wrong?

Egg and Honda waiting for Niddy to look at, and the other Egg received today for the second CC.

[Never-In-Doubt]

Re: DNW's UE Diary

I'll check the upload section shortly.

PM me if you ever use it as I rarely get on the forums lately what with updating sites......

[Never-In-Doubt]

Re: DNW's UE Diary

Egg - have you moved since taking the agreement out? ie are those terms from when you opened the account?

Honda - I cannot see it, can you please take a closer shot and email it me - agreements@all-about-debt.co.uk

Thanks

[DNW]

Re: DNW's UE Diary

I'll check the upload section shortly.

PM me if you ever use it as I rarely get on the forums lately what with updating sites......

I did PM you.. and then wasn't sure that I should've

[DNW]

Re: DNW's UE Diary

Egg - have you moved since taking the agreement out? ie are those terms from when you opened the account?

Honda - I cannot see it, can you please take a closer shot and email it me - agreements@all-about-debt.co.uk

Yeah have moved since so the address they have on there is correct as of account opening.

I'll take another pic of Honda now (it's tiny even on paper - is it ok if I split it but make sure I get it all in the separate shots?

[DNW]

Re: DNW's UE Diary

Updated 30/08/11 - CCA uploaded and awaiting Niddy's response.

Egg 2

Name                     - Egg 2
Type of account          - Credit Card
Date commenced           - Jan 07
Approx balance           - £5700
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 26/04/2011 Payment overdue
2. 09/05/2011 DD reminder and card stopped
3. 13/06/2011 Contact us to discuss letter
4. 24/06/2011 Contact us to discuss letter
5. 11/07/2011 Contact us to discuss letter
6. 24/07/2011 My letter - request interest freeze and no change in circumstances.
7. 29/07/2011 Letter from Capital Credit Agencies - contact Egg else we'll instruct local agent
8. 17/08/2011 CCA Request sent
9. UPDATE: 30/08/2011 CCA Received and uploaded for Niddy's perusal via secure section

Updated 30/08/11 - CCA uploaded and awaiting Niddy's response.