Oldy's UE Diary

[mauijim]

Re: Oldy's UE Diary

Re my previous post #44: As Crappy1 have been messing me about should I send the account sold in dispute template or start again with a new CCA request?

Looks like Niddy beat me to it!

[mauijim]

Re: Oldy's UE Diary

Probably just as well Niddy did beat me to it, I would have said wait and see what Crapquest say..

[Never-In-Doubt]

Re: Oldy's UE Diary

Probably just as well Niddy did beat me to it, I would have said wait and see what Crapquest say..

As they're now the new owners, presumably, I would let them know it's in dispute over s.78. Therefore instead of just ignoring them, I think sending the CCA may be the best option, not a new one - a simple copy of the last one sent with a cover note literally saying "i'm waiting...."

[oldyboy]

Re: Oldy's UE Diary

As they're now the new owners, presumably, I would let them know it's in dispute over s.78. Therefore instead of just ignoring them, I think sending the CCA may be the best option, not a new one - a simple copy of the last one sent with a cover note literally saying "i'm waiting...."

Thanks. Simple and succinct.

[oldyboy]

Re: Oldy's UE Diary

Account #5
M+S Money
Opened Aug 96
Balance £2,500
Defaulted Apr 06
Stopped paying Sep 11
CCA Request sent 21 Oct 11.
08 Nov 11 received CCA with illegible original T&Cs and a copy of latest ones. Scanned in and sending off to Niddy.
15 Nov 11 sent off 'illegible copy received' letter.
06 Jan 12 received a default notice, balance now due etc etc. I've never received a response from the above letter. This is the second DN they've issued They defaulted my CRF almost six years ago. I'm going to keep a close eye on my CRF to see if they try and 'update' that.

Updated. I had a bit of a 'thunk' moment today as the post hit the doormat!

[oldyboy]

Re: Oldy's UE Diary

Account #8
NatWest Credit Card
Opened about 20 years ago
Balance £8,550
Defaulted Jan 06
Stopped paying Sep 11
CCA request sent 21 Oct 11
12 Nov 11 Received letter saying they can't find it! Usual blurb about will still pursue etc.
06 Jan 12 Received threatening/begging letter.

Updated. Just filing away and ignoring.

[MrsD]

Re: Oldy's UE Diary

Updated. I had a bit of a 'thunk' moment today as the post hit the doormat!

one default only per account, they can update to changge name of account owner but not the date

[oldyboy]

Re: Oldy's UE Diary

Thanks ELD, I appreciate that it's only one default per account. Doesn't stop them trying it on though.

I've just downloaded my latest credit report as evidence should they try and change it.

[oldyboy]

Re: Oldy's UE Diary

Account #6
Capital One
Opened Oct 02
Balance £8,500
Defaulted Apr 09
Stopped paying Sep 11
CCA request sent 21 Oct 11
4/11/1 Received letter from them saying that before they can process my request I need to provide proof of signature, as the one I provided does not match the one on their records. (I'd signed it with my template signature which I made up to avoid the refusal due to lack of signature!)
5/11/11 Sent off 'Sig not required' letter.
18/11/11 Received letter saying my complaint is being dealt with. Presume this in response to my 'sig not required' letter.
01/12/11 Received letter asking for proof of sig again!
02/12/11 Sent off another CCA request without sig.
07/12/11 Received letter still insisting on my sig!
10/12/11 Received letter from CrapPest who are now 'managing' this account.
19/12/11 Received letter from CrapPest with essentially inaccurate drivel.
19/12/11 Sent off 'Account In Dispute' letter to the Pest.
23/12/11 More drivel from CrapPest, but not so inaccurate.
07/01/12 'Letter Before Action' received from CrapPest.

Updated. Usual template threat-o-gram. It gave me an offer to settle with a reduced figure but it expired, oh, yesterday! Having read through the diaries I believe they can't themselves take any litigation, as they haven't bought the debt.

I've played a bit of letter ping-pong with Crappy1 who still so far have not supplied a CCA. I've also become very suspicious of why they're so insistent for my sig. A made-up recon perhaps?

Do I need to send anything back in response to this latest carefully crafted letter?

My personal feeling is to take the stance that my request is in default and wait until the N1 turns up from Northampton, where my legal rep can ask for a CCA on my behalf. It's one way of getting the paperwork without them getting my sig.

[Deepie]

Re: Oldy's UE Diary

Updated. Usual template threat-o-gram. It gave me an offer to settle with a reduced figure but it expired, oh, yesterday! Having read through the diaries I believe they can't themselves take any litigation, as they haven't bought the debt.

I've played a bit of letter ping-pong with Crappy1 who still so far have not supplied a CCA. I've also become very suspicious of why they're so insistent for my sig. A made-up recon perhaps?

Do I need to send anything back in response to this latest carefully crafted letter?

My personal feeling is to take the stance that my request is in default and wait until the N1 turns up from Northampton, where my legal rep can ask for a CCA on my behalf. It's one way of getting the paperwork without them getting my sig.

Send this back.....
Threat by Creditor - Threat-o-Gram Letter Before Action

[oldyboy]

Re: Oldy's UE Diary

Send this back.....
Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks I2D, template downloaded and will edit and send off.

Great new way of getting the template Niddy, cheers

[billytommo]

Re: Oldy's UE Diary

I've been inspired by others after reading on here, and totally agree with what's been said. If you ask a creditor for some help not only does it not happen, it often makes things worse. So stuff 'em. Actually I lie. One creditor accepted my reduced payments, hasn't defaulted or harrassed me and so when the time comes to offer any F&Fs they will be the first to be paid and I shan't be haggling.

Sorry Oldy, only just read your thread. The highlighted bit above that you wrote made me think, "yeah, that's it in a nutshell!" If CC's and DCA's weren't such arseholes then we maybe wouldn't go down the path and take the stance we do. Most of them want everything their own way: "It's my ball and I'm going now so I'm taking it with me!" Well, actually, it isn't so you can f**k off!

Just on another note, I noticed that you were on about losing your house if you went BR. I take it that you would only let your house go if you went BR. I know I don't know your circumstances but I know I thought about it before I plumped for the UE route and the minuses FAR outweigh the positives. If the house payments are getting too much, for example, you could flog the house even to one of the buy-back companies. I know, I don't like it and you won't get full market value for it but if, say you let it go to a snatch back, if you hadn't gone BR then the lender could still chase you for the shortfall when they dispose of the asset so they have no real incentive to get the best price for it. Even flogging it yourself for less than market value is better than letting the vultures have it cos they'll accept even less! Hopefully you would have *some* equity to fund your F&Fs.

I'm waffling now and it seems from your posts that you have your 'head screwed on' . Good luck

Billy

[oldyboy]

Re: Oldy's UE Diary

If CC's and DCA's weren't such arseholes then we maybe wouldn't go down the path and take the stance we do. Most of them want everything their own way: "It's my ball and I'm going now so I'm taking it with me!" Well, actually, it isn't so you can f**k off!
Billy

Thanks for the post Billy. I have to admit I spent the first couple of years of my DMP simply living in fear. One of my debts got sold on to a DCA, who were very relentless. This, in fact, did me a favour as I 'woke up', thought 'stuff this' and turned to the interweb to see what I could do about it, and started to fight back.

Your thoughts on BR reflect mine. Actually it's not the fact I'll lose the house but I'd lose the car as well, which is the reason for me not taking that option. I still have the paperwork and fee available though, admittedly as a last resort, but just in case.........

As an aside, I just happened to scroll down to the bottom of the UE home page and saw how many are currently viewing this site, so it's a big HELLO! to both guests!

[billytommo]

Re: Oldy's UE Diary

Yeah, that's why it is a good idea to be a bit 'wooly' with info posted on the open forum. If your account is defaulted at the amount of £4,321.78 then I would simply round the figure because they could identify you from the amount surely. The same goes for dates and the likes. The less you give them then the more ammo to us

[oldyboy]

Re: Oldy's UE Diary

That's right BT. I sorta realised from the start that 'others' would be lurking on this forum so a lot of the info I put here is 'not quite accurate'.