Malamute UE Diary

[helmsman]

Re: Malamute UE Diary

I think the reason behind the question was probably, whether marlin would issue a claim against one of them, while remain in default from a CCA Request with the other.

Hi,
The crafty bastards.

[malamute]

Re: Malamute UE Diary

Hi,
The crafty bastards.

I've read and heard that Marlin's are and tempted to send off an CCA request from me (hubby's is in default) to cover myself!

[malamute]

Re: Malamute UE Diary

Ok
Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - IGNORED
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - IGNORED
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED
July 2013 - New DCA - Lowells! Ignored welcome letter.
July 2013 - Letter from Lowells asking for payment - sent sold in dispute letter
August 2013 - Letter from Lowells confirming receipt of my letter and that they have asked lloyds for documentation - account on hold.....

UPDATE!!!!
letter from Lowell today .....

"after liaising with Lloyds in an effort to obtain your agreement we are advised it is no longer available.....

THEYRE CLOSING MY ACCOUNT!

RESULT!!!!!!!!!!

[Enforcer]

Re: Malamute UE Diary

Fantastic news, however it does not mean that the account will not now be sold to bottom feeder. Keep letter safe, if contact is made from another DCA send them a copy. Lloyds admitted UE to me, and it has so far gone around another 6 or 7 DCA's.

[malamute]

Re: Malamute UE Diary

Fantastic news, however it does not mean that the account will not now be sold to bottom feeder. Keep letter safe, if contact is made from another DCA send them a copy. Lloyds admitted UE to me, and it has so far gone around another 6 or 7 DCA's.

Defo will the exact thing happened when Lowell had my cap one card - Lowell did close it and it was removed from cry completely too. Still have the letter and scanned copy of it just in case!

[malamute]

Re: Malamute UE Diary

2014 is the year all my defaults have their 6th birthday, for balances still reported at their 6th year - will the account be removed from experian etc or just the default marker?

I'll have 4 with balances at 6yrs that's all.......

[Rascaljesse]

Re: Malamute UE Diary

Now that's what's I'm talkin about, roll on 2014, all the best everyone!!

[happy_bunny]

Re: Malamute UE Diary

2014 is the year all my defaults have their 6th birthday, for balances still reported at their 6th year - will the account be removed from experian etc or just the default marker?

I'll have 4 with balances at 6yrs that's all.......

The accounts are removed 6 years from the default date, so it will be like they were never there.

some CRAs do it to the day, some might take a bit longer, I believe.

HB

[malamute]

Re: Malamute UE Diary

Ok
Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - IGNORED
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - IGNORED
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED
July 2013 - New DCA - Lowells! Ignored welcome letter.
July 2013 - Letter from Lowells asking for payment - sent sold in dispute letter
August 2013 - Letter from Lowells confirming receipt of my letter and that they have asked lloyds for documentation - account on hold.....

UPDATE!!!!
letter from Lowell today .....

"after liaising with Lloyds in an effort to obtain your agreement we are advised it is no longer available.....

THEYRE CLOSING MY ACCOUNT!

RESULT!!!!!!!!!!

Ok so now Lowell's are saying I owe money again?!

What do I send?

[ken100464]

Re: Malamute UE Diary

Have they found anything to make them change their mind. An agreement?

If not you would have to think a curt single line letter along the line of "oi muppets perhaps you should read your own dribble" enclosing a copy of said dribble could be a way forward.

Or one of the vastly superior templates from AAD confirming no agreement.

[MrsD]

Re: Malamute UE Diary

like this one for instance?

http://www.all-about-debt.co.uk/old/...firming-no-cca

[malamute]

Re: Malamute UE Diary

Have they found anything to make them change their mind. An agreement?

If not you would have to think a curt single line letter along the line of "oi muppets perhaps you should read your own dribble" enclosing a copy of said dribble could be a way forward.

Or one of the vastly superior templates from AAD confirming no agreement.

Nope no agreement just saying I still owe.....

[malamute]

Re: Malamute UE Diary

like this one for instance?

http://www.all-about-debt.co.uk/old/...firming-no-cca

Lowell said back in sept that they've no CCA and writing off balance now they saying still no agreement just pay up!

[MrsD]

Re: Malamute UE Diary

so use the template and edit to suit, send them a copy of their own letter.........................what you've got is probably a mailshot and they are massively inefficient

[Deepie]

Re: Malamute UE Diary

like this one for instance?

http://www.all-about-debt.co.uk/old/...firming-no-cca

Lowell said back in sept that they've no CCA and writing off balance now they saying still no agreement just pay up!

I'd just send that letter MrsD suggested with a copy of the letter from Lowell confirming no CCA.....