Clearingthepas UE Diary

[clearingthepas]

Re: Clearingthepast UE Diary

Your recent emails

Lloyds - ignore for now!
Try-it-on/Mint - send this ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy will have them in the post first thing tomorrow

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Your recent emails

Lloyds - ignore for now!
Try-it-on/Mint - send this ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[clearingthepas]

Re: Clearingthepast UE Diary

Thanks Niddy

Luckily I dont bank with Barclays

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Your email of 11.02.12

Egg is

Its a blatant recon, if you bank with Barclays change banks asap as they are utilising RoSO now....

Well done, reply as follows: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Clearingthepast UE Diary _ re LLoyds TSB

Let sleeping dogs lie and all that.......

exactly

[clearingthepas]

Re: Clearingthepast UE Diary _ re LLoyds TSB

Hi

Since we stopped paying the DMP in October we have sent nothing to LLoyds TSB. Of the stuff with them the only one that is being chased it the smallest (£941) we have had a couple of "you are late with your payment" letters for the one account but nothing at all for the two largest, should I send any template letters to them or wait until they start communicating with us? Let sleeping dogs lie and all that.......

[Never-In-Doubt]

Re: Clearingthepast UE Diary

I wish I had known this before...

two different companies, so how on earth would RoSO ever come into play?

Bit like getting a Post Office card - and having A PO account. As the PO card is issued by Bank of Ireland, the PO could never set-off, as it's not their debt, if you see what I mean.....

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Capital one card
Startd 2002ish
Bal: £3939
Defaulted 2006
DMP £ 2.00
Owned by Capital One
31/10/11 CCA request sent
21/11/11 letter form Capital 1 plus copy agreement uploaded to secure section
28/11/11 Niddy says unenforceable missing prescribed terms
template letter advising sent

Well done, it should be this you send back: ---> CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Clearingthepast UE Diary

A&L could never RoSO with the card once it went to MBNA as they are separate entities, kinda like A&L having an agreement with MBNA but the overall debt was MBNA - it's not like MBNA provided credit for A&L, such as GE Money did with most stores...

A&L actually sold their customerbase to MBNA thus RoSO can never occur.

[clearingthepas]

Re: Clearingthepast UE Diary

Thanks

[oscar]

Re: Clearingthepast UE Diary

A&L "takeover" was September 2002 for new accounts from that date (althought the customer, unless they read the very fine print would probably not have been aware), older accounts transferred in March 2003 when everything was made official

I seem to recall Abbey being 2001 for the "official" take over date.

Susie - you sure its an agreement and not an application - suprised they even have that if thats the case!

[Susie]

Re: Clearingthepast UE Diary

The MBNA card, out of curiosity, is it an original MBNA card or one they bought / took over like the did with Abbey, A&L and some HBOS?

If its one they took over, chances are they havent got the agreement full stop.

Mine was an Abbey one and sadly they found the agreement so they do have some of them

[Never-In-Doubt]

Re: Clearingthepast UE Diary

If its one they took over, chances are they havent got the agreement full stop.

Why does that not surprise me mate!

[oscar]

Re: Clearingthepast UE Diary

The MBNA card, out of curiosity, is it an original MBNA card or one they bought / took over like the did with Abbey, A&L and some HBOS?

If its one they took over, chances are they havent got the agreement full stop.

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Capital one card
Startd 2002ish
Bal: £3939
Defaulted 2006
DMP £ 2.00
Owned by Capital One
31/10/11 CCA request sent
21/11/11 letter form Capital 1 plus copy agreement uploaded to secure section

Phew! Guess we will be sending a lot of letters!!!

This is unenforceable as there are no prescribed terms attached to it - therefore respond as follows: ---> CCA Query - Missing Prescribed Terms

Well done - good start