Professor Pat's UE Diary

[ProfessorPatpe]

Re: Professor Pat's UE journey.

morning, just would like to say, good luck, i know i am in early days but i can quite easily say I am enjoying my UE journey. I loathe the fact that we are lining the pockets of the B(W)ankers! With Nids help you really dont have much to worry about. May also be good to write to your creditors to tell them to remove your phone number from their records, as you only can contact them in writing, i cited the reason as i work nights and its harrassment if they wake me during the day (in my case its true) but they wouldnt know otherwise.

Cheers, in Hampshire myself, Southsea. PP

[enoughisenough]

Re: Professor Pat's UE journey.

I'm from Hampshire, but born and (mostly) grew up in Yorkshire... Not taking sides!!! Good luck Prof!

[ProfessorPatpe]

Re: Professor Pat's UE journey.

Cheers, Hampsire boys in it together.
Niddy have been checking out stuff and found CCA for loan with BOS, looks v enforceable, has all prescribed terms, etc. God knows why I kept it?

[DVardysShadow]

Re: Professor Pat's UE journey.

Thanks, one more quickie, lets say my 3 ccs with BoS are deemed UE but the loan is not, couldnt they just take the payments I then have to make to the loan and pay off the UE cards first? As presumably they could do what they want with the money I give them.

Nope they cannot do that. You send payment to a particular account.... don't worry about that right now, it won't happen..... each debt is unique and identified by account number which is what you concentrate on.

forget them as being monetary things from now on and classify them as accounts with a blanace yea? don't stress - read some of the diaries for an idea of what will happen and how I deal with it, in my unique way! ;LOL

The concern certainly bears thinking about. It is sort of like the bank's right of offset from any balance in a current account - there appears to have been some instances where banks have plundered a current account to pay off a credit card. This has created or worsened an overdraft and more importantly has actually transferred debt to a higher interest rate. if someone went at this legally armed, I tend to think that the courts would strike it down.

But the fact that banks have tried this on, moving debt from a credit card or a loan to an overdraft suggests to me that they could try it on to move payments from an enforceable debt to a non enforceable debt.

[Never-In-Doubt]

Re: Professor Pat's UE journey.

Cheers, Hampsire boys in it together.
Niddy have been checking out stuff and found CCA for loan with BOS, looks v enforceable, has all prescribed terms, etc. God knows why I kept it?

let see it?

never-in-doubt@live.co.uk - just make sure you put your username here in the subject so I know who you are! Try not to cut it all otherwise makes it impossible for me to confirm if it is UE or not.....

even the enforceable ones can be blagged k

[Never-In-Doubt]

Re: Professor Pat's UE journey.

The concern certainly bears thinking about. It is sort of like the bank's right of offset from any balance in a current account - there appears to have been some instances where banks have plundered a current account to pay off a credit card. This has created or worsened an overdraft and more importantly has actually transferred debt to a higher interest rate. if someone went at this legally armed, I tend to think that the courts would strike it down.

But the fact that banks have tried this on, moving debt from a credit card or a loan to an overdraft suggests to me that they could try it on to move payments from an enforceable debt to a non enforceable debt.

Hiya

Youre right in what he's saying however I read it as meaning if he was to send a cheque in clearly marked for his mortgage each month, they could not then take that and put it towards his credit card - so to speak. However, if there was the mortgage money in his bank account they could swallow that a day before the mortgage, to pay the card, and then demand the mortgage payment the day after - a lot of that has been happening. Ive not heard of many cases of clear abuse whereby a cheque sent in to pay a particular account, has been mis-spent....

2 2 2

[ProfessorPatpe]

Re: Professor Pat's UE journey.

Cheers, Hampsire boys in it together.
Niddy have been checking out stuff and found CCA for loan with BOS, looks v enforceable, has all prescribed terms, etc. God knows why I kept it?

let see it?

never-in-doubt@live.co.uk - just make sure you put your username here in the subject so I know who you are! Try not to cut it all otherwise makes it impossible for me to confirm if it is UE or not.....

even the enforceable ones can be blagged k

Will get it scanned at work tomorrow hopefully and hopefully send it to you asap, how sad am I, finding CCAs at home and watching early 80s Arnie flicks. ;-)

[Never-In-Doubt]

Re: Professor Pat's UE journey.

Will get it scanned at work tomorrow hopefully and hopefully send it to you asap, how sad am I, finding CCAs at home and watching early 80s Arnie flicks. ;-)

Nothing wrong with the arnie flicks - I have seen commando about 50 times, as for rambo/rocky - all i'll say is aaaaddddrrrriiiiaaaaannnnnnnnn

;LOL ;LOL

[ProfessorPatpe]

Re: Professor Pat's UE journey.

Will get it scanned at work tomorrow hopefully and hopefully send it to you asap, how sad am I, finding CCAs at home and watching early 80s Arnie flicks. ;-)

Nothing wrong with the arnie flicks - I have seen commando about 50 times, as for rambo/rocky - all i'll say is aaaaddddrrrriiiiaaaaannnnnnnnn

;LOL ;LOL

In my youth I reckon I've been commando about about 50 times! ;LOL

[Never-In-Doubt]

Re: Professor Pat's UE journey.

In my youth I reckon I've been commando about about 50 times! ;LOL

Haha - it was just the whole macho thing and the way he was with people, remember when he held jules over the cliff and he said "you know when I said i'd kill you last" - and he went "ye-ye-yeah" (shitting himself) - arnie then just said "I lied" and let the fooker go - ;LOL ;LOL ;LOL

Classic..... Or at the end - Let off some steam (bennett)..

sorry, that's testement to how much i've seen it, I know it word for word - arghhhhhh


* I'll be baaaack bennnnet!

[ProfessorPatpe]

Re: Professor Pat's UE journey.

In my youth I reckon I've been commando about about 50 times! ;LOL

Haha - it was just the whole macho thing and the way he was with people, remember when he held jules over the cliff and he said "you know when I said i'd kill you last" - and he went "ye-ye-yeah" (shitting himself) - arnie then just said "I lied" and let the fooker go - ;LOL ;LOL ;LOL

Classic..... Or at the end - Let off some steam (bennett)..

sorry, that's testement to how much i've seen it, I know it word for word - arghhhhhh


* I'll be baaaack bennnnet!

;LOL ;LOL ;LOL Brilliant, its all coming back now!!
;LOL ;LOL

[Never-In-Doubt]

Re: Professor Pat's UE journey.

Or when he kicks cokes ass in the motel, I eat green beret's for breakfast LOL...

I love it.

[Deepie]

Re: Professor Pat's UE journey.

In my youth I reckon I've been commando about about 50 times! ;LOL

Haha - it was just the whole macho thing and the way he was with people, remember when he held jules over the cliff and he said "you know when I said i'd kill you last" - and he went "ye-ye-yeah" (shitting himself) - arnie then just said "I lied" and let the fooker go - ;LOL ;LOL ;LOL

Classic..... Or at the end - Let off some steam (bennett)..

sorry, that's testement to how much i've seen it, I know it word for word - arghhhhhh


* I'll be baaaack bennnnet!

;LOL ;LOL ;LOL Brilliant, its all coming back now!!
;LOL ;LOL

when he drops jules over the cliff and gets into his yellow Porshe, where did all the dents disappear to down the side of the car? ;LOL

[Never-In-Doubt]

Re: Professor Pat's UE journey.

Ahh they were there, but on the opposite side.... also, when he let jules go you seen the safety rope holding him up lol.... bear in mind we're talking 80's haha

still a classic film though..... as for him flying throught the sky when he

a) jumped from the plane into swamps at the start

and

b) doing his tarzan act in shopping centre

well, that is best forgotten!! Oh yea, and ripping up the phone booth - haha CONAN!

[DVardysShadow]

Re: Professor Pat's UE journey.

Hiya

Youre right in what he's saying however I read it as meaning if he was to send a cheque in clearly marked for his mortgage each month, they could not then take that and put it towards his credit card - so to speak. However, if there was the mortgage money in his bank account they could swallow that a day before the mortgage, to pay the card, and then demand the mortgage payment the day after - a lot of that has been happening. Ive not heard of many cases of clear abuse whereby a cheque sent in to pay a particular account, has been mis-spent....

2 2 2

Agree. When I worked briefly in an organisation with customer accounts, I know that once the customer allocated the money he sent to a particular debt, this was immutable.

But, relying on my memory of the green place, the abuse involved any single debt and a current account. The banks were offsetting not only a credit balance but also offsetting into overdraft - thus gaining more interest.