in2deep's UE Diary

[Deepie]

Re: in2deep's UE Diary

Hiya

If this is the £12k loan from HBOS - the friggin DN is invalid lol so this is good news for you, they gave you only 9 days to remedy the breach! Ahhh shame, they must have forgotten that it changed from 7 days to 14 days eh?

For the record, things changed 2 years earlier in 2006 - see this: ---> http://forums.all-about-debt.co.uk/s...41&postcount=5

Has this been CCJ'd? I now need you to list in date order, everything that has happened with this account so we can sort it and get the ccj/default/debt wiped.

yes i understand but what has changed from this post where you indicated this could get wiped

[Never-In-Doubt]

Re: in2deep's UE Diary

yes i understand but what has changed from this post where you indicated this could get wiped

The fact I do not have the time right now to act on it for you - I provided the link for you to read about this: ---> http://forums.all-about-debt.co.uk/s...41&postcount=5

If you can hold fire i'll get round to it, but to be fair if you read that post then you can do it yourself..... basically you're fighting that the DN should give 14 days to remedy the breach and as such it's unlawful.

That said, why don't you just ignore them and if they go for judgment at that point you throw the faulty DN back into the mix

Apologies, I never realised you wanted me to do this for you - its something i'm slowly ceasing as I do not have any time or energy left i'm afraid.... the guides and help is there, all you gotta do is read it.

Cheers

[Deepie]

Re: in2deep's UE Diary

The fact I do not have the time right now to act on it for you - I provided the link for you to read about this: ---> http://forums.all-about-debt.co.uk/s...41&postcount=5

If you can hold fire i'll get round to it, but to be fair if you read that post then you can do it yourself..... basically you're fighting that the DN should give 14 days to remedy the breach and as such it's unlawful.

That said, why don't you just ignore them and if they go for judgment at that point you throw the faulty DN back into the mix

Apologies, I never realised you wanted me to do this for you - its something i'm slowly ceasing as I do not have any time or energy left i'm afraid.... the guides and help is there, all you gotta do is read it.

Cheers

thanks i understand

[Never-In-Doubt]

Re: in2deep's UE Diary

thanks i understand

If I was you then the best thing to do would be to cease repayment and see what happens - hopefully by then i'll not be as snowed under either!

[Deepie]

Re: in2deep's UE Diary

If I was you then the best thing to do would be to cease repayment and see what happens - hopefully by then i'll not be as snowed under either!

i was going to i'll sit tight and see what happens

[Never-In-Doubt]

Re: in2deep's UE Diary

i was going to i'll sit tight and see what happens

Exactly, at the end of the day if they come back then we'll get the DN fight on the way and see how they like that, yea?

[Elsie52]

Re: in2deep's UE Diary

Have a good time in2deep. I am speaking from experience when I say don't be worrying about all this whilst you are away. It will still be here when you get back. Enjoy your break.

[Deepie]

Re: in2deep's UE Diary

Have a good time in2deep. I am speaking from experience when I say don't be worrying about all this whilst you are away. It will still be here when you get back. Enjoy your break.

Thank you Elsie what will be will be

[Never-In-Doubt]

MBNA - Moved Posts

IMPORTANT ANNOUNCEMENT

All your MBNA court claim stuff has been moved to the new secure section, those with access can see it - i've PM'd you the log-in details etc.

Please respond to anything to do with the MBNA claim in the new section.

Linky: ---> in 2 deep - MBNA Legal Claim

[Deepie]

Re: in2deep's UE Diary

Hi Niddy
Just a quick question would a fully recostituted credit agreement be enforceable?
thanks

[Never-In-Doubt]

Re: in2deep's UE Diary

Hi Niddy
Just a quick question would a fully recostituted credit agreement be enforceable?
thanks

Depends on whether the PT's were intact...........

[Deepie]

Re: in2deep's UE Diary

Hiya
just a quick question can a bank send you a 2nd default notice knowing the 1st one they sent was invalid ?

[Never-In-Doubt]

Re: in2deep's UE Diary

Hiya
just a quick question can a bank send you a 2nd default notice knowing the 1st one they sent was invalid ?

Hiya,

Yes they can - they can remedy it at any point, unfortunately. However the entry on your credit file must be the correct one, so this would usually be the oldest date, as even if it was served incorrectly they'd retrospectively issue another using the same date - they cannot issue a new one like 5 years later, if that's what you mean.

[Deepie]

Re: in2deep's UE Diary

Hiya,

Yes they can - they can remedy it at any point, unfortunately. However the entry on your credit file must be the correct one, so this would usually be the oldest date, as even if it was served incorrectly they'd retrospectively issue another using the same date - they cannot issue a new one like 5 years later, if that's what you mean.

morning niddy
can they after 2 and half years

[Never-In-Doubt]

Re: in2deep's UE Diary

morning niddy can they after 2 and half years

Yes, so long as the default date is the original one - they couldn't default you in 2005 then decide it should have been in 2007, that is unlawful.

They can issue a default in 2005 and then decide the date was wrong and re-issue it for the same year, with a new date - for example. But that's about all they could do. If they've changed the default date by 2.5yrs newer, then you need to go to the ICO and formally complain.