Wishfull's UE Diary

[Wishfull]

Re: wishfullthinkings UE Diary

debt 7 and 8 are mbna credit cards well befor 2007
balence on the two are rufly £13000.00
sorry these are not showing on my credit file but were originaly abbey cards

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

Hiya

don't ccancel any payments yet - send the CCA Request off to each lender first and see what comes back: viewtopic.php?p=603#p603

[Wishfull]

Re: wishfullthinkings UE Diary

ok guys sorry for delay on updating but kept getting timed out via mobile broadband could read the posts but not log in,ok gonna send the ccas off tomoz [saturday]
mbna have sent me an offer called a short term offer i now owe them £15200 and offered me a settlement of £5000 makes me wonder iff they have beet me to the enforcebillity question lol,also lloyds tsb have agreed my offer of £1 per month for 6 months [bit more breathing space] few, things are going too easy at the mo but santander have stepped up there phone calls,shame as the missis has spoke civilly to me this week but that could change if they keep up the pressure,

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

Don't send anything yet. I'll be back in morning and will list each account with what to do next.... I'll be here at 5am so log in tmw - don't send cca's yet - just wait.

[Wishfull]

Re: wishfullthinkings UE Diary

ok will wait thanks

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

1. Natwest 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

This could well be UE - send the CCA Request off: ---> viewtopic.php?p=603#p603

Bear in mind, you should cease all repayments but doing so will void your set-up where they are witholding interest etc... however cessation of payments means they will default you and sell the debt quicker, meaning your credit file will be cleared sooner (6yrs from default date) also you can get better F&F deals from a DCA if it is indeed enforceable.... i'd suggest you cease repayments, however that is really up to you (based on all the following advice).

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

2. Santander personal loan
started 20 05 2009
balence £7351.00
three payments late
token payments sent this month
debt still with santander no dca involvement yet

Pointless sending off a CCA Request as this will definitely be enforceable - you should be looking to agree to some settlement (if you can afford), otherwise agree a monthly amount - sorry; this is way too new and the CCA will contain all the prescribed terms - guaranteed.

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

3. Santander credit card
started 23 05 2009
current balence £9295.00
credit limit £8400.00
5 payments late
token payment sent this month £1.00
debt still with santander no dca involvement yet
also on my credit report it says
special instruction indicator arrangement
then
special instuction start date 01 04 2010
special instuction end 01 05 2010
dont know what thats all about

Pointless sending off a CCA Request as this will definitely be enforceable - you should be looking to agree to some settlement (if you can afford), otherwise agree a monthly amount - sorry; this is way too new and the CCA will contain all the prescribed terms - guaranteed. The special arrangement indicator is basically where they have agreed to let you off with paying less, seems they done it for one month in April 2010 and removed it in May - don't worry about your credit files, you'll not be obtaining credit in the near future.....

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

4. Santander credit card
started 22 05 2009
current balence £ 8585.00
limit £8400.00
6 payments behind
token payment sent this month
debt still with santander no dca involved yet

Pointless sending off a CCA Request as this will definitely be enforceable - you should be looking to agree to some settlement (if you can afford), otherwise agree a monthly amount - sorry; this is way too new and the CCA will contain all the prescribed terms - guaranteed.

How come you've two cards with the same limit taken out within 24hrs? Can you explain this....?

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

5. Orange - Mobile
started 04 01 2007
balence is £190.00
missed 3 payments
no token payments sent
£190.00 is an on going thing they wont give me a final balence yet as they say i still have to pay the monthly amount for the 24 month contract
debt still with orange
experian has flagged this as fsc barrel what ever that means

Mobiles are exempt from CCA so pointless sending one, they do not have to and will not respond. Consider making arrangements to pay.

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

6. Lloyds tsb credit card
start 26 02 2008
balence is £5464.00
credit limit 5050.00
debt still with loyyds tsb

Pointless sending off a CCA Request as this will definitely be enforceable - you should be looking to agree to some settlement (if you can afford), otherwise agree a monthly amount - sorry; this is way too new and the CCA will contain all the prescribed terms - guaranteed.

[Never-In-Doubt]

Summary

Hi

As you can see from the advice given, based on there only being one available account that you could consider UE on, i'd be suggesting you scrap this plan and look at continuing with your CCCS DMP that you originally considered, sorry but that is my advice. You cannot pursue UE as you've only one eligible account.

Sorry :cry:

[Wishfull]

Re: wishfullthinkings UE Diary

i also have the two mbnacards that were taken before 2004 they were originaly with abbey but got sold to mbna they have my address wrong so dont show on my credit file,so that means three that can be down the ue route hopefully lol

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

lol, well pointless hiding some! Add everything then we'll sort through them for you....

[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
07/06/11 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
28/04/2012 lovelly red letter from wescot asking me to pay [get a grip]