Wishfull's UE Diary

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

bump

read here, similar to Allan ---> What to do when your account is Assigned? - Page 4 - allaboutFORUMS

[Wishfull]

Re: wishfullthinkings UE Diary

thanks niddy

[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]

should i just ignore this
This is now SB many thanks to all of you here who helped me thru this

[Deepie]

Re: wishfullthinkings UE Diary

should i just ignore this

I Would see what they send next..........

[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]

10/06/12 demand for payment usual rubbish from wescot
11/06/12 template letter with previous letter saying no court action can be taken
12/07/12 letter from westcot returned the account to arrow global

[Wishfull]

Re: wishfullthinkings UE Diary

Nice to see Wetclothes giving up yet again despite all their 'scary' bright red letters!

Looks like you are also a proud member of the MBNA Has Lost It Club

MBNA never went further than their in-house team DCRI with me. 21/2 years later I'm still waiting for them to sell to Arrow or similar

it is good its been sent back but then you worry if the next is gonna be a trigger happy summons isuer

[Wishfull]

Re: wishfullthinkings UE Diary

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
22/03 2012 letter from experto credit saying if i pay £25 per month they will discount the debt by 25 % if i pay £100 per month they will discount the debt by 50% dont think they are getting the message I AINT PAYING IT UNTILL A JUDGE TELLS ME TOO
11/07/12 letter from experto credit offering a full and final settlement on a 70 percent discount [if they make it 90 percent i may accept just to get rid ]

11/07/12 letter from experto credit offering a full and final settlement on a 70 percent discount [if they make it 90 percent i may accept just to get rid ]

[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
31/03/2011 letter from green co solisiters threatening court action
will update this again soon this account is now closed with zero balence i have one more thing to do and will spill the beans asap

will update this again soon this account is now closed with zero balence i have one more thing to do and will spill the beans asap

[Pixie]

Re: wishfullthinkings UE Diary

11/07/12 letter from experto credit offering a full and final settlement on a 70 percent discount [if they make it 90 percent i may accept just to get rid ]

When a dca says a 70% discount it usually means that they want you to pay 70% of the debt so only a 30% discount really. Though I've just read back and see they've already offered you a 50% discount so maybe it really is 70%.

[Wishfull]

Re: wishfullthinkings UE Diary

When a dca says a 70% discount it usually means that they want you to pay 70% of the debt so only a 30% discount really. Though I've just read back and see they've already offered you a 50% discount so maybe it really is 70%.

we are willing to accept without predudice a reduced settlement amount of just 30% off the above ballence which will be accepted as full and final settlement of this matter this means that for every £1000 you owe you will save £700
this is not the account with the no cca letter it is border line as they have my cca but only page one

[Wishfull]

Re: wishfullthinkings UE Diary

This is the MBNA card where you have a letter confirming no CCA was found, whoever takes it on next probably won't be aware of that fact but as soon as you send them a copy of that letter confirming no CCA, they'll have to back down, they can't go to court without an agreement.
As Pix says, they probably mean you pay 70% of the balance not 30%. But why would you pay ANYTHING on a UE debt? Those discount letters are designed to tempt you into acknowledging the debt and resetting the SB clock!
A cliffhanger...

cliffhanger yes but good for me only have to wait a couple of more weeks

[Wishfull]

Re: wishfullthinkings UE Diary

10/06/12 demand for payment usual rubbish from wescot
11/06/12 template letter with previous letter saying no court action can be taken
12/07/12 letter from westcot returned the account to arrow global

16/08/12 letter from a dca called arc europe will send the same as i sent westcott hopefully will see them off

[Wishfull]

Re: wishfullthinkings UE Diary

16/08/12 letter from a dca called arc europe will send the same as i sent westcott hopefully will see them off

any body had dealings with these people before

[MrsD]

Re: wishfullthinkings UE Diary

I would just pop off the sold in dispute, all accounts can be different, they are eejits, just like the rest of them.

[Never-In-Doubt]

Re: wishfullthinkings UE Diary

Arc Europe are as shyte as the rest matey.

Don't stress, just send sold in dispute off