Oldy's UE Diary

[oldyboy]

Re: Oldy's UE Diary

Account #7
Amex
Opened Dec 01
Balance £5,500
Defaulted Jun 06
Stopped paying Sep 11
CCA request sent 21 Oct 11

CCA received 11/11/11. WIll send off to Niddy for checking.

[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

12/11/11 Received letter saying they can't find it! Usual blurb about will still pursue etc.

[Deepie]

Re: Oldy's UE Diary

12/11/11 Received letter saying they can't find it! Usual blurb about will still pursue etc.

nice one

[oldyboy]

Re: Oldy's UE Diary

Thanks I2D.

I think I should check last night's lottery ticket at this rate, you never know!

Quick question: when sending CCA's off to Niddy for checking do you blank out all the personal details first?

[Deepie]

Re: Oldy's UE Diary

Thanks I2D.

I think I should check last night's lottery ticket at this rate, you never know!

Quick question: when sending CCA's off to Niddy for checking do you blank out all the personal details first?

No just send as it is .....only Niddy can see what you send..:niddy

[oldyboy]

Re: Oldy's UE Diary

Thanks again I2D.

[oldyboy]

Re: Oldy's UE Diary

Thanks Flower, yeah I realise that now. Back when I started my DMP I didn't have a clue about UE or SB. But, 2 years and a snotty DCA later, I started to learn. Not fast enough though. I felt a sense of honour to pay off what I owed no matter how slowly, and only used UE to get them off my back.

Still, at least the default should fall off my CF next year.....

[Susie]

Re: Oldy's UE Diary

You are on a roll, lets hope things keep going well for you

[Never-In-Doubt]

Re: Oldy's UE Diary

Hi Niddy, Ive emailed the paperwork as you've asked.

Hope thats better.

If you make any progress with the original T&Cs could you please send me a clearer copy back as I can't read the page they sent at all.

Its enforceable I'm afraid

Yea terms are illegible but thats easy to sort, so you could send this and see what they do next.. ---> CCA Query - Illegible Documents Received

Keep us updated

[Never-In-Doubt]

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

12/11/11 Received letter saying they can't find it! Usual blurb about will still pursue etc.

Awesome, if anyone hassles you, send a copy of that letter with this: ---> CCA Query - Letter Previously Confirming No CCA

[oldyboy]

Re: Oldy's UE Diary

Its enforceable I'm afraid

Yea terms are illegible but thats easy to sort, so you could send this and see what they do next.. ---> CCA Query - Illegible Documents Received

Keep us updated

Thanks Niddy I'll do that today. Oh, and I didn't notice the time of your post. Thanks again.

[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.

Updated. Still, no CCA received, so no comment. They're now well in default of my request. If they still bang on about needing my sig or proof of ID, I think I'll draft a letter of my own and be very blunt about why I'm not giving them one.

[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 prof of sig again!
03/12/11 Sent off CCA request again this time with no sig.
10/12/11 Received letter from Crapquest who are now 'managing' this account.

Updated. I'll send off the template letter. I don't care what they want they're stalling and I'm not giving them my sig! I might send a letter saying that I'd love to discuss this with them and a DJ.

Unrelated question: Anyone know if you can dispute and have removed overdraft charges?

[oldyboy]

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?

[Never-In-Doubt]

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?

Send off a copy of the cca request you originally sent and just say "see attached, I am still waiting".....