Malamute UE Diary

[malamute]

Re: Malamute UE Diary

Capital One Mastercard - Lowells - £0 pcm
March 2004
Balance - 5567 defaulted April 2008
Account with Lowells but before finding this site they wrote saying that they were locating the agreement and will update me in due course – no payments since defaulted
August 2011 – Sent CCA Request
Sept 2011 - return £1 and confirmed that CCA has been requested
Sept 2011 - Letter from Lowells - No CCA located yet - "we won't write to you again until we have the agreement"

Well - that cheered me up!!! I've never paid this account or acknowledged it - so the clock can tick on for another 3 years

[malamute]

Re: Malamute UE Diary

Capital One Visa Card - Cabot - £5pcm
Pre 2007
Balance – 827 defaulted Jan 2009
August 2011 - CCA requested
Sept 2011 - return £1 and requested CCA from original lender
Sept 2011 - "original lender is experiencinbg a delay in obtaining information from their archives......hope to send the information to you shortly"

Well - I'll just sit and wait with them

Or do I reply with anything?

[Deepie]

Re: Malamute UE Diary

Capital One Mastercard - Lowells - £0 pcm
March 2004
Balance - 5567 defaulted April 2008
Account with Lowells but before finding this site they wrote saying that they were locating the agreement and will update me in due course – no payments since defaulted
August 2011 – Sent CCA Request
Sept 2011 - return £1 and confirmed that CCA has been requested
Sept 2011 - Letter from Lowells - No CCA located yet - "we won't write to you again until we have the agreement"

Well - that cheered me up!!! I've never paid this account or acknowledged it - so the clock can tick on for another 3 years

It will soon fly by

[Never-In-Doubt]

Re: Malamute UE Diary

Well - I'll just sit and wait with them

Indeed, yes that's what to do.....

[malamute]

Re: Malamute UE Diary

okey dokey - of 8 accounts I've only had two formal responses - the rest are stuck in the archives looking apparently!!

Will keep all updated.

[Never-In-Doubt]

Re: Malamute UE Diary

Thats not a bad thing, means they are more than likely making a copy now to pass-off as an original

[Never-In-Doubt]

Re: Malamute UE Diary

Egg Mastercard my dad's - Cabot - £100pcm
June 2004
Balance around 15k defaulted 2008
August 2011 - CCA requested
Sept 2011 - return £1 and requested CCA from original lender
Sept - awaiting confirmation of UE

This is weird, it is enforceable as they have sent everything but if you sit and study things, you may find some minor faults within the agreement, as the actual terms are clearly a recon as it displays all interest rates for the year the card was taken out, which suggests it is a standard set - duplicated. I would study them in detail, check the quoted apr's against the actual statements etc and find fault..... late payment charges back then were £25 - see what these terms show, if £12 then it's wrong and you'd argue unenforceability again....

Otherwise I would maintain the payments as it's, from first glance, enforceable I'm afraid

[malamute]

Re: Malamute UE Diary

Thanks Niddy very much appreciated - I'll update my records - 1 down 7 to go.

In terms of plan of action - Cabot seem (no attempt to jinx) happy with £100pcm and have to date not requested a payment review and don't appear to be charging interest anymore - given it was defaulted in 2008 - would you wait til after the default comes off to look at F&F based on the balance at the 6 year date?

I'll keep paying this one.....

Thanks though.

[Never-In-Doubt]

Re: Malamute UE Diary

Thanks Niddy very much appreciated - I'll update my records - 1 down 7 to go.

In terms of plan of action - Cabot seem (no attempt to jinx) happy with £100pcm and have to date not requested a payment review and don't appear to be charging interest anymore - given it was defaulted in 2008 - would you wait til after the default comes off to look at F&F based on the balance at the 6 year date?

I'll keep paying this one.....

Thanks though.

I'd just keep paying or make an offer, if you can afford one? However make no decisions until everything is back and we have an overall picture.....

[Never-In-Doubt]

Re: Malamute UE Diary

Here Goes!!

Lloyds visa credit card – Credit Security - 25pcm - pre 2007
Balance - £2874 defaulted Jan 2009
August 2011 - Sent CCA Request
Sept 2011 CCA received

They have sent a copy of the original application with the prescribed terms being part of the recon, that is I'm afraid enforceable

[malamute]

Re: Malamute UE Diary

Ah crap!! I've stopped paying it - should I restart?

Balance is around 2.5k could I get a 250 f&f?

Thx!!

[malamute]

Re: Malamute UE Diary

Capital One Mastercard - Lowells - £0pcm - 2003
Balance around 14.5k defaulted 2008
August 2011 - CCA requested
Sept 2011 - return £1 and requested CCA from original lender
Sept 2011 - Letter from Lowells - No CCA located yet - "we won't write to you again until we have the agreement"

I#ve an agreement sent to me for this one - do I redirect it as Niddy on holiday?

[Never-In-Doubt]

Re: Malamute UE Diary

Ah crap!! I've stopped paying it - should I restart?

Balance is around 2.5k could I get a 250 f&f?

Thx!!

At that size debt, maybe consider blagging it and see if they get tough - if you wanna do this then just respond as follows: ---> CCA Query - Missing Prescribed Terms

Best of luck, you need to keep on top of things with this and let us know as soon as they write to you..

[malamute]

Re: Malamute UE Diary

At that size debt, maybe consider blagging it and see if they get tough - if you wanna do this then just respond as follows: ---> CCA Query - Missing Prescribed Terms

Best of luck, you need to keep on top of things with this and let us know as soon as they write to you..

I'll send this today!!

[Never-In-Doubt]

Re: Malamute UE Diary

I'll send this today!!

Sorted