SLUGs UE diary

[fiscalfool]

Re: SLUGs UE diary

Dude - steady yourself! I am not like that - although in the 80's, well - that's a different story

Yeah yeah ... I bet you're sat there on DressDown Friday in your favourite GlobalHypercolor T-shirt! :P

[Never-In-Doubt]

Re: SLUGs UE diary

Yeah yeah ... I bet you're sat there on DressDown Friday in your favourite GlobalHypercolor T-shirt! :P

I remember the old Concept Man "Free Willy" T-Shirts..... anyone, anyone...

[SLUG]

Re: SLUGs UE diary

I remember the old Concept Man "Free Willy" T-Shirts..... anyone, anyone...

Yes. Yes I do.

*shudder*

[Never-In-Doubt]

Re: SLUGs UE diary

Yes. Yes I do.

*shudder*

Free condom, sewn into the lining - classic

*only in the 80's eh*

[SLUG]

Re: SLUGs UE diary

Morning,

just setting this in motion - I was thinking I would send this letter to the Solicitors *and* the DCA, ok to proceed with this?

Also shall I leave my home address OFF this, as its still clear they dont know what it is anymore? I've just heard the DCA have sent a letter to my old address. It was a flat, taken in by one of the other flats Im still in contact with. They opened it as there was no return address (hmmm, nosey type of "friend".) so phoned me in a panic and left a message about their address being linked to this mega scary (in their eyes obviously!) threatening letter of debt.

.....also, do I need a MOD to enable me to add smileys to my messages? I dont have the old selection page anymore *sad face*

[Elsie52]

Re: SLUGs UE diary

Hiya Slug.

You need to have a read of this....it will explain how to get your smilies back. ---> User Guide - Missing Smileys / No wysiwyg Editor?

[SLUG]

Re: SLUGs UE diary

thanks Elsie!

[Never-In-Doubt]

Re: SLUGs UE diary

thanks Elsie!

See you got them working then

[Elsie52]

Re: SLUGs UE diary

You are welcome Slug.....glad to see you've got smilies now.

[SLUG]

Re: SLUGs UE diary

1. EGG CC
Approx balance: 10.5k

[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, teminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Recieved phone message desputing my legal response above. Also recieved letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Recieve about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harrasment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.





Well, well, well......

EGG UPDATE

......it looks like the DCA and the solicitors they hired (who were sending dodgy letter to me at work) have quit and pased this back to EGG. This morning I got a letter from a different DCA:

ARC(europe)LTD credit mangement
"This account has been passed to us for collections etc -snip-
......we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days along with a firm offer to clear the rest of the overdue balance we will pass your account to our solicitors with intructions to prepare court prceedings against you"

Welcome new DCA, what do I start these new chaps off with then? The usual "account is in dispute dont legal threat me" one?

[Never-In-Doubt]

Re: SLUGs UE diary

1. EGG CC
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.

Well, well, well...... EGG UPDATE

......it looks like the DCA and the solicitors they hired (who were sending dodgy letter to me at work) have quit and pased this back to EGG. This morning I got a letter from a different DCA:

ARC(europe)LTD credit mangement
"This account has been passed to us for collections etc -snip-
......we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days along with a firm offer to clear the rest of the overdue balance we will pass your account to our solicitors with intructions to prepare court prceedings against you"

Welcome new DCA, what do I start these new chaps off with then? The usual "account is in dispute dont legal threat me" one?

All you do mate is do a quick one liner saying please see attached recent correspondence - I suggest you take note of the content as the same applies to you. Return the account to Egg to deal with my query, or take legal action at which point i'll request Strike-Out plus an order for my costs, as you cannot take any formal action on a disputed account.

Obviously just send them a copy of the last 2 letters you've sent, not the replies - just what you sent out - so it'd be the threat of legal harassment & the bespoke one.... leave them intact with the old details and the date you originally used and write "copy" through the middle of each page...

[SLUG]

Re: SLUGs UE diary

All you do mate is do a quick one liner saying please see attached recent correspondence - I suggest you take note of the content as the same applies to you. Return the account to Egg to deal with my query, or take legal action at which point i'll request Strike-Out plus an order for my costs, as you cannot take any formal action on a disputed account.

Obviously just send them a copy of the last 2 letters you've sent, not the replies - just what you sent out - so it'd be the threat of legal harassment & the bespoke one.... leave them intact with the old details and the date you originally used and write "copy" through the middle of each page...

The new DCA have replied to this and the copies of letters, and have taken it to mean that they are sending stuff to my work address (which they are not) .

Idiots - they have requested my home address (to which they have sent the request) before they can remove my home address and replace it with my home address. They will keep using my correct home address until they recieve my correct home address from me.

Im just going to ignore them and let them get on with it.

[Never-In-Doubt]

Re: SLUGs UE diary

The new DCA have replied to this and the copies of letters, and have taken it to mean that they are sending stuff to my work address (which they are not) .

Idiots - they have requested my home address (to which they have sent the request) before they can remove my home address and replace it with my home address. They will keep using my correct home address until they recieve my correct home address from me.

Im just going to ignore them and let them get on with it.

Its unreal really isn't it? You gotta laugh - if not you'd cry

[SLUG]

Re: SLUGs UE diary

2. M&S CC
Approx balance: 6.8k

1/07/10 - sent first CCA request
17/07/10 - received docs back (including original sig)
They have sent what appears to be a true photocopy of my original doc signed and dated by me 7 years ago.
26/07/10 - NID confirms this is enforceable. Darn it ;F- ..... as they have yet to default me (despite a number of threats that they would in 7 days) I am leaving well alone for now and waiting for it to be frozen/sold on etc. before I set up a minimum repayment plan.
03/09/10 - Nothing new really to report, no phone calls, a letter every month saying you need to pay, we are going to default you soon.
04/09/10 - Just to update, they *have* defaulted this account (on the 28/7/10)- I'm just spending Saturday night sorted through my paper work and this was the one letter I hadn't opened. Obviously.
09/09/10 - not very exciting and no action needed, but letter received today - um, another Default notice. Useful.
08/10/10 - a few letters from M&S this week, main one is a final demand - if you dont pay within 48hrs we *may* pass on to debt collection, who may call at your home, we will default your account with credit agencies (they already have, silly threat really).
08/10/10 - "dont you think about coming to my house, you muppets." letter sent.
16/10/10 - Letter received from DG Solicitors asking for entire balance within 14 days, or else they have been instructed to take legal action in county court.
22/10/10 - Stalling legal letter sent to DG Solicitors to buy me a bit more time (who are an internal department at HSBC)
7/11/10 - court docs received
12/10 - offer made for monthly payment
24/12/10 - cheeky court case in my absence, without my knowledge
04/01/11 - letter requesting redertmination sent
05/01/11 - letter recieved from creditors accepting my offer of monthly payment. I'm now filing this account as delt with, for now. A result of sorts.

07/03/11 --- I'd forgotten about the above account, but the court have replied to me request for redermination (Ithink?) which was sent just before DCA accepted my payment plan.

It seems to be General form of Judgement, It has the judges name and where it took place, then:

Upon the claim having been electronically transfered to the bulk charging order unit at the claimants request for the purpose of issuing an application for a charging order, but no application having yet been recieved and upon reading the response to the transfer notice it is ordered that:
1. This case be electronically transfered to the defendants home court.
2. Any applications to be issued at that court.

dated 3rd march.


.........actually it doesn't sound like a response to my redetermination request (that I dont require as the DCA accepted my offer of a tenner a month)..... um.....
I *may* be wrong, but is this just saying its a continuation of the action, but that the DCA didn't pursue it?

[Never-In-Doubt]

Re: SLUGs UE diary

07/03/11 --- I'd forgotten about the above account, but the court have replied to me request for redermination (Ithink?) which was sent just before DCA accepted my payment plan.

It seems to be General form of Judgement, It has the judges name and where it took place, then:

Upon the claim having been electronically transfered to the bulk charging order unit at the claimants request for the purpose of issuing an application for a charging order, but no application having yet been recieved and upon reading the response to the transfer notice it is ordered that:
1. This case be electronically transfered to the defendants home court.
2. Any applications to be issued at that court.

dated 3rd march.


.........actually it doesn't sound like a response to my redetermination request (that I dont require as the DCA accepted my offer of a tenner a month)..... um.....
I *may* be wrong, but is this just saying its a continuation of the action, but that the DCA didn't pursue it?

Just ring the court and check exactly what is going on mate - they will explain it all and tell you what to do next....

0845 408 5302