Pookies UE Diary

[Never-In-Doubt]

Re: Pookies UE Diary

Hiya, anyone any idea why RBS are all of a sudden sending me monthly statements? Been getting them since they sent the CCA agreement which is deemed UE, I havnt responded to them since they sent the CCA but find it odd they are sending these statements.

Thanks, Pooks

OFT says they should send a default of arrears statement each month they charge you and as you're not paying I presume that is why they are sending the statements - don't worry about it, just file them away.....

[pooksthebear]

Re: Pookies UE Diary

I'll check tmw. I'll be around 4/5am

4/5am... blooming eck I will still be in land of nod till 7!!

Thanks Niddy

[Never-In-Doubt]

Re: Pookies UE Diary

I'll check tmw. I'll be around 4/5am

[pooksthebear]

Re: Pookies UE Diary

Found it!! Re sent.. hope it works, im not good with attachments

Hi, please can i bump this.. ive also uploaded original into secure area for comparison.

Sorry meant to quote threads but it didnt work.. was posts 223 to 225.

Thanks muchly!

Pooks

[pooksthebear]

Re: Pookies UE Diary

Hiya, anyone any idea why RBS are all of a sudden sending me monthly statements? Been getting them since they sent the CCA agreement which is deemed UE, I havnt responded to them since they sent the CCA but find it odd they are sending these statements.

Thanks, Pooks

[pooksthebear]

Re: Pookies UE Diary

It may be of the utmost relevance for two reasons:

1. PPI may have been added without your kmowledge or consent, simply to increase the commission of the sales monkey, to boost his bonus or to ensure another tasty food pellet reward drops into his Skinner cage
2. it is difficult to understand how you might have been bound by terms and conditions you had yet to see or which you never actually did see

As far as I know, GE Money was never part of BoS nor was BoS ever part of GE Money. Did GE Money ever operate as a credit broker, whereby they arrange a loan and the customer becomes ever broker?

Hi CC, I really have no idea ahout GE Money/Bank of Scotland or who the heck the loan came from.. the only clue is the accompanying letter from Bank of Scotland headed paper with the address starting Retail Financial Services thanking me for taking the loan and its signed the Manager, Retail Financial Services.

Lewis Debt recovery were last people to write to me so unclear if CL have now passed it on again.

Thanks, Pooks

[CleverClogs (RIP)]

Re: Pookies UE Diary

Actually Niddy its very confusing as the agreement letter is from Bank of Scotland (not RBS), and when it went into default I had been paying GE Money and Santander (it was Santander that defaulted me) - presume these were all part of same company or it must have been sold on, it has had many, many owners and now ended up with CL Finance. I got the loan over the phone from an ad in the paper and the cheque was delivered by courier.. very strange set up!! Not sure if any of this is relevant but thought would mention it!!

It may be of the utmost relevance for two reasons:

1. PPI may have been added without your kmowledge or consent, simply to increase the commission of the sales monkey, to boost his bonus or to ensure another tasty food pellet reward drops into his Skinner cage
2. it is difficult to understand how you might have been bound by terms and conditions you had yet to see or which you never actually did see

As far as I know, GE Money was never part of BoS nor was BoS ever part of GE Money. Did GE Money ever operate as a credit broker, whereby they arrange a loan and the customer becomes ever broker?

[pooksthebear]

Re: Pookies UE Diary

Hiya Niddy, ive replied in the secure bit with some more info on that CCA. Have you had chance to have another look at it yet?

Thanks, Pooks

[pooksthebear]

Re: Pookies UE Diary

Actually Niddy its very confusing as the agreement letter is from Bank of Scotland (not RBS), and when it went into default I had been paying GE Money and Santander (it was Santander that defaulted me) - presume these were all part of same company or it must have been sold on, it has had many, many owners and now ended up with CL Finance. I got the loan over the phone from an ad in the paper and the cheque was delivered by courier.. very strange set up!! Not sure if any of this is relevant but thought would mention it!!

[pooksthebear]

Re: Pookies UE Diary

who is the lender, ie did CL Finance issue loans? I can see Retail financial services on the agreement but that means nothing to me as half these firms are now dead so can you clarify who the loan was issued by?

Hiya, the loan was from Bank of Scotland (but it says retail financial services as well as Bank of Scotland on the accompanying letter I got with my copy of the original CCA (which I have) but the copy of the CCA I have is not signed, yet the one they have sent is signed and dated by me which is odd!

[Never-In-Doubt]

Re: Pookies UE Diary

who is the lender, ie did CL Finance issue loans? I can see Retail financial services on the agreement but that means nothing to me as half these firms are now dead so can you clarify who the loan was issued by?

[pooksthebear]

Re: Pookies UE Diary

Hi Niddy, ive now uploaded the CCA for CL Finance into the secure area for you to have a look!

Received another letter from Cabot today re the Yorkshire Bank Overdraft, it says:

Unfortunately we are still waiting for Yorkshire Bank to provide the requested information. Although Cabot has again requested the information, the original lender is experiencing a delay in retrieving the information from its archives. We shall send the information to you as soon as we receive it.

Mixed messages here.. first they say they dont have to send it because my account is pre the new legislation, now they say they are trying to get it!! Make your mind up please!!

[pooksthebear]

Re: Pookies UE Diary

Please resend and I'll check it again if I've not responded here.

You don't have a secure thread btw

Found it!! Re sent.. hope it works, im not good with attachments

[pooksthebear]

Re: Pookies UE Diary

Please resend and I'll check it again if I've not responded here.

You don't have a secure thread btw

Isnt my other CCA in a secure thread? Its in the CCA uploaded area bit that can only be seen by me and you.. i think

Just trying to find the CCA on laptop.. ive a feeling i deleted it after i sent it so may have to copy it at work and send it to myself again

[Never-In-Doubt]

Re: Pookies UE Diary

Please resend and I'll check it again if I've not responded here.

You don't have a secure thread btw