Wishfull's UE Diary

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

had a letter from natwest usual rubbish must contact then immediatly etc or gonna hand it to external debt collection agency will file and ignore had a letter from santander re my personal loantelling me they are going to default me,and two letters regarding my overdraft with santander i dont have a diary for this for some reason but one saying im gonna get defaulted 28 days from the date of this letter dated 14/12/2010 then a default notice dated the 13/12/2010 a day earlyer than the warning letter diarys have been updated

Dont worry about any of this, its all just correspondence that can be ignored for the moment.

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

the letter saying that mbna cannot find the original cca is for mbna one my big one the confusion over account numbers is the account number that dcri dca have given the account i am really chuffed now as this is for 10k original debt £8400 rest in interest and charges anychance niddy could do me a special letter so i could get a cheque from mbna for the refund of charges lol

Right, you need to keep that letter safe and if you get hassle you just copy it and sent the copy with one of these templates: ---> viewtopic.php?p=20195#p20195

Regards to charges refunded, lol, sorry - no can do! Any refunds on an UE debt automatically go to reduce the balance. Also, at any point they can produce or create an agreement meaning it comes out of UE state and back into enforceability mode. Don't get too happy, this is good news but only in so much as you have it confirmed they cannot find the original, they can (and will) still hassle you to repay.

Well done, all the same - it's a great result

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

hi it is what nat west has re sent me with the terms photocopyed on the back

sorry about the confusion but have just gone thru all my paper work and it isnt for natwest but for my mbna two account is it worth me scanning everything they sent as part of my cca request in case there is a mistake on my part niddy SORRY BUT I AM CONFUSED NOW[/quote] Hiya, sorry but emailing me won't help cos it isn't my account so how would I know what it is or what account it is - that's your job!

You post info, i'll answer - that's all I can offer i'm afraid. I am confused and time consumed enough without having to figure out what letter corresponds to which account......

Please try and resolve this and post one reply, with one total update to make it easier for me to grasp. if its nothing to worry about then forget it! they will write back soon enough......

[Wishfull]

Re: wishfullthinkings UE Diary

ok he it works
debt one
nat west credit card
started 03 02 04
current balence £5090.00
credit limit £4700.00
6 payments behind but sending token 1 pound
have agreed to stop interest and charges for 6 months
debt still with nat west no dmc involved yet
CCA SENT 04/10/10
default on cra file 21/10/2010
19/10/2010 cca reminder template sent
31/10/2010 still heard nowt back from natwest
20/11/2010 blank cca sent copy stamped all over it,hopefully they dont have an original
20/11/2010 cca letter sent as per niddy
20/11/2010 letter saying gonna hand it over to a debt collection agency
01/12.2010 letter saying not responded gonna hand it over to external dca
08/01/2011 payment demand from triton

letter from triton payment demand presume i send the sold whilst in despute letter

[Wishfull]

Re: wishfullthinkings UE Diary

ok he it works
debt one
nat west credit card
started 03 02 04
current balence £5090.00
credit limit £4700.00
6 payments behind but sending token 1 pound
have agreed to stop interest and charges for 6 months
debt still with nat west no dmc involved yet
CCA SENT 04/10/10
default on cra file 21/10/2010
19/10/2010 cca reminder template sent
31/10/2010 still heard nowt back from natwest
20/11/2010 blank cca sent copy stamped all over it,hopefully they dont have an original
20/11/2010 cca letter sent as per niddy
20/11/2010 letter saying gonna hand it over to a debt collection agency
01/12.2010 letter saying not responded gonna hand it over to external dca
08/01/2011 payment demand from triton

22/01/2011 letter from triton threat of doorstep visit

[Wishfull]

Re: wishfullthinkings UE Diary

niddy had a letter from triton threat of doorstep visit,should i send a combined sold in dispute and threat of doorstyep visit letter thanks just noticed the debt is now £5161.41

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

22/01/2011 letter from triton threat of doorstep visit

niddy had a letter from triton threat of doorstep visit,should i send a combined sold in dispute and threat of doorstyep visit letter thanks just noticed the debt is now £5161.41

Yep, do that - good plan

[Wishfull]

Re: wishfullthinkings UE Diary

had a missed call today from 07814439312 didnt recornise the number so tried who calls me turns out its a dca called aic or alc cant remember never had dealings with them before so dont know who they are acting for they called me on my mobile which i havent given to any of my crediters at all [strange] remember reading about these on some other threads are they easy to see off,my ex says i have loads of mail at home from santander so hopeing it will be my ccas so i can get them checked out and move on

[swanfan]

Re: wishfullthinkings UE Diary

Hiya, its probably AIC see here--> http://www.aiccorp.com/about/about.htm

I've not had any dealings with them, but Niddy will advise what to do with these

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

had a missed call today from 07814439312 didnt recornise the number so tried who calls me turns out its a dca called aic or alc cant remember never had dealings with them before so dont know who they are acting for they called me on my mobile which i havent given to any of my crediters at all [strange] remember reading about these on some other threads are they easy to see off,my ex says i have loads of mail at home from santander so hopeing it will be my ccas so i can get them checked out and move on

Just wait til you sort through your mail..... do nothing just now cos it's guesswork.

[Wishfull]

Re: wishfullthinkings UE Diary

ok he it works
debt one
nat west credit card
started 03 02 04
current balence £5090.00
credit limit £4700.00
6 payments behind but sending token 1 pound
have agreed to stop interest and charges for 6 months
debt still with nat west no dmc involved yet
CCA SENT 04/10/10
default on cra file 21/10/2010
19/10/2010 cca reminder template sent
31/10/2010 still heard nowt back from natwest
20/11/2010 blank cca sent copy stamped all over it,hopefully they dont have an original
20/11/2010 cca letter sent as per niddy
20/11/2010 letter saying gonna hand it over to a debt collection agency
01/12.2010 letter saying not responded gonna hand it over to external dca
08/01/2011 payment demand from triton

26/01/2011 triton letter nat west fulfilled there cca request outstanding balence now due
07/02/2011 letter from natwest in responce to my joint sold while in despute/threat doorstep visit letter thanks for contacting us sorry you not happydebt collecter WILL BE CALLING unless i phone them and they have forfilled there obligations in respect of the cca request i wont be calling anyone
19/02/2011 notice of legal proceddings from triton recormending nat west take legal proceddings against me

[Wishfull]

Re: wishfullthinkings UE Diary

mbna 1
started pre 2004
credit limit £8400
balence £9300 balence is now £10163.20
6 payments late
paying token payment £1.00
cca posted 4/10/10
default recieved 09/10/10
cca reminder sent 19/10/10
21/10/10 letter from mbna need to contact original crediter for cca will be in touch
04/11/10 letter from debt clear recoveries & investigations ltd who have bought the debt
07/12/2010 letter from mbna saying THEY CANNOT FIND THE CCA so unenforceable untill they do thanks niddy

07/02/2011 letter from mbna informing me thatthey are still in default of my cca request stating they will not issue court procedings against me now or in the future untill they fulfill the cca request [good of them to keep me informed]
02/02/2011 bright yellow postcard [in an envalope] from aic warning they are now handling this debt please call them to avoid further action [muppets i aint calling anyone] sold in dispute letter with a copy of the mbna no action letter niddy ?

[Elsie52]

Re: wishfullthinkings UE Diary

Excellent news on the letter confirming no CCA....keep it nice and safe.!!

As a reply to AIC , I would do exactly the same as you Wishful......sounds good to me.

[nanna58]

Re: wishfullthinkings UE Diary

fabbuloso

[Wishfull]

Re: wishfullthinkings UE Diary

fabbuloso

yes chuffed to bits as this is for 10.5k