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  • #106
    Re: wishfullthinkings UE Diary

    cannot believe how quiete its gone breaks my heart to go home on a friday to no mail
    at the start of this journey i owed
    £52000.00 UNSECURED £5000.00 SECURED
    £0000.00 secured debt as of 17/12/2010 fingers crossed
    on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
    as of 17/03/13 its now £26K AND £15K UE
    ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

    Comment

    • #107
      Re: wishfullthinkings UE Diary

      Originally posted by wishfullthinking View Post
      cannot believe how quiete its gone breaks my heart to go home on a friday to no mail
      Careful what you wish for now
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment

      • #108
        Re: wishfullthinkings UE Diary

        could be a conspiracy between my crediters and my ex they write to me she hides the letters me thrown out of my house now i am worried
        at the start of this journey i owed
        £52000.00 UNSECURED £5000.00 SECURED
        £0000.00 secured debt as of 17/12/2010 fingers crossed
        on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
        as of 17/03/13 its now £26K AND £15K UE
        ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

        Comment

        • #109
          Re: wishfullthinkings UE Diary

          Originally posted by wishfullthinking View Post
          mbna 2
          started pre 2004
          credit limit £4800
          balence £5300 balence now £5424.03
          6 payments late
          paying token payment £1.00
          cca sent 04/10/10
          default notice 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
          29/10/10 letter from experto credite saying varde investments [ireland] ltd have bought the interest in the debt
          04/11/10 cca sort off emailed niddy fingers crossed [nothin goes right for me]
          19/11/2010 letter from experto credite saying that they accept at the moment they are in a period of non complience and deem this account unenforceable untill they provide cca [getting there slowly]
          11/12/2010 letter from dca with new cca same page but now with a finacial page photo copied o the back emailed to niddy
          28/10/2011 letter from experto credite saying this document satisfied there sec 78 request but say weather or not it is enforceable only a court can decide but the singned cca says page one of two but the terms says page 3 of four muppits should i just ignore it or do you want to see it niddy
          29/10/2011 sent CCA Query - Creditor Refusal to Accept UE Status

          09/11/2011 LETTER FROM EXPERTO CREDITE saying they have supplied a true recon [course you have] wether or not it is enforceable by a court it a matter only a court can decide
          Last edited by Wishfull; 12 November 2011, 10:00.
          at the start of this journey i owed
          £52000.00 UNSECURED £5000.00 SECURED
          £0000.00 secured debt as of 17/12/2010 fingers crossed
          on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
          as of 17/03/13 its now £26K AND £15K UE
          ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

          Comment

          • #110
            Re: wishfullthinkings UE Diary

            Originally posted by wishfullthinking View Post
            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
            07/06/11 another letter from mbna saying they cannot find cca and untill they find it wont take me to court
            13/08/11 letter from mbna saying they are passing this account to a dca so will wait and see who it is then send a copy of the letters mbna sent me with a sold whilst in dispute template
            28/10/2011 letter from nelson guest and partners solicitors saying they are acting for westcote and need to pay within ten days but also says westcote are happy to talk payment methods is there a template to send niddy
            30/10/2011 sent CCA Query - Letter Previously Confirming No CCA template to the soliciters
            09/11/2011 letter from wescot we have sent the file back to mbna and closed the account
            Last edited by Wishfull; 12 November 2011, 09:55.
            at the start of this journey i owed
            £52000.00 UNSECURED £5000.00 SECURED
            £0000.00 secured debt as of 17/12/2010 fingers crossed
            on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
            as of 17/03/13 its now £26K AND £15K UE
            ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

            Comment

            • #111
              Re: wishfullthinkings UE Diary

              Originally posted by wishfullthinking View Post
              28/10/2011 letter from nelson guest and partners solicitors saying they are acting for westcote and need to pay within ten days but also says westcote are happy to talk payment methods is there a template to send niddy
              Send this with copy of letter confirming this > CCA Query - Letter Previously Confirming No CCA
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #112
                Re: wishfullthinkings UE Diary

                Originally posted by wishfullthinking View Post
                niddy
                Send them this > CCA Query - Creditor Refusal to Accept UE Status
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #113
                  Re: wishfullthinkings UE Diary

                  Also bear in mind that Nelson Guest are a "letterhead for rent" outfit for Wescot. They ran for cover when we threatend them back with a complaint for code of conduct breaches.

                  Garlok

                  Comment

                  • #114
                    Re: wishfullthinkings UE Diary

                    Originally posted by wishfullthinking View Post
                    niddy
                    I don't need to see it, just ignore for the moment or send what I2D suggests above - it doesn't matter either way to be honest .....
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #115
                      Re: wishfullthinkings UE Diary

                      Originally posted by garlok View Post
                      Also bear in mind that Nelson Guest are a "letterhead for rent" outfit for Wescot. They ran for cover when we threatend them back with a complaint for code of conduct breaches.

                      Garlok
                      thanks that was my first thought
                      at the start of this journey i owed
                      £52000.00 UNSECURED £5000.00 SECURED
                      £0000.00 secured debt as of 17/12/2010 fingers crossed
                      on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
                      as of 17/03/13 its now £26K AND £15K UE
                      ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

                      Comment

                      • #116
                        Re: wishfullthinkings UE Diary

                        Originally posted by wishfullthinking View Post
                        28/10/2011 letter from nelson guest and partners solicitors saying they are acting for westcote and need to pay within ten days but also says westcote are happy to talk payment methods is there a template to send niddy
                        30/10/2011 sent CCA Query - Letter Previously Confirming No CCA template to the soliciters
                        09/11/2011 letter from wescot we have sent the file back to mbna and closed the account
                        wonder who will get it next ha ha
                        at the start of this journey i owed
                        £52000.00 UNSECURED £5000.00 SECURED
                        £0000.00 secured debt as of 17/12/2010 fingers crossed
                        on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
                        as of 17/03/13 its now £26K AND £15K UE
                        ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

                        Comment

                        • #117
                          Re: wishfullthinkings UE Diary

                          Originally posted by wishfullthinking View Post
                          29/10/2011 sent CCA Query - Creditor Refusal to Accept UE Status

                          09/11/2011 LETTER FROM EXPERTO CREDITE saying they have supplied a true recon [course you have] wether or not it is enforceable by a court it a matter only a court can decide
                          any idea what i send next
                          at the start of this journey i owed
                          £52000.00 UNSECURED £5000.00 SECURED
                          £0000.00 secured debt as of 17/12/2010 fingers crossed
                          on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
                          as of 17/03/13 its now £26K AND £15K UE
                          ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

                          Comment

                          • #118
                            Re: wishfullthinkings UE Diary

                            Originally posted by wishfullthinking View Post
                            any idea what i send next
                            Just ignore it.

                            Comment

                            • #119
                              Re: wishfullthinkings UE Diary

                              Originally posted by wishfullthinking View Post
                              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
                              07/06/11 another letter from mbna saying they cannot find cca and untill they find it wont take me to court
                              13/08/11 letter from mbna saying they are passing this account to a dca so will wait and see who it is then send a copy of the letters mbna sent me with a sold whilst in dispute template
                              29/01/2012 letter from mbna sold it to arrow global guernsey ltd outstanding balemce being sold to arrow etc
                              bump
                              at the start of this journey i owed
                              £52000.00 UNSECURED £5000.00 SECURED
                              £0000.00 secured debt as of 17/12/2010 fingers crossed
                              on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
                              as of 17/03/13 its now £26K AND £15K UE
                              ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

                              Comment

                              • #120
                                Re: wishfullthinkings UE Diary

                                since you've got letter from MBNA saying they can't find your CCA, I would just wait until someone contacts you about this one then pop off the sold in dispute with a copy for the new owners/chasers

                                Comment

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