Pookies UE Diary

[pooksthebear]

Re: Pookies UE Diary

You need to e-mail it to him------> niddy@all-about-debt.co.uk

Ok will do, I emailed it a few weeks back and he thought it was enforceable. I did send it to the wrong place though so its not showing in my cca diary thing. Will fish it out and upload it again! Thank you

[Deepie]

Re: Pookies UE Diary

Hello all, all quiet here .. for now! Niddy.. did you get chance to have another look at the CCA from CL Finance or do you need it uploading again? Ta!

You need to e-mail it to him------> niddy@all-about-debt.co.uk

[pooksthebear]

Re: Pookies UE Diary

Hello all, all quiet here .. for now! Niddy.. did you get chance to have another look at the CCA from CL Finance or do you need it uploading again? Ta!

[pooksthebear]

Re: Pookies UE Diary

Email it over

Think you've already got it?

[Never-In-Doubt]

Re: Pookies UE Diary

Email it over

[pooksthebear]

Re: Pookies UE Diary

Hi everyone! Just received letter from Lewis Debt Recovery re my (big) loan being handled by CL Finance. Basically saying they have tried contacting my old DCA with no joy, its some time since they received a payment (yes October) and they cannot continue to hold my account indefinately, if no contact within 10 days they will pass it back to collections dept. Well this is first ive heard of Lewis Debt Recovery, I thought CL Finance were dealing with it!

Anyway.. should I ignore for now??

Niddy.. would you do me a favour please and have another quick look at the CCA and see if theres any way it could be UE? Thank you

[Never-In-Doubt]

Re: Pookies UE Diary

well done - keep that letter safe

[pooksthebear]

Re: Pookies UE Diary

Thanks everyone! Yes another one bites the dust! Debt is only £174.00 but its £174 I aint paying. Over the years ive probably paid the vultures more than they paid for it anyway!!

[CleverClogs (RIP)]

Re: Pookies UE Diary

Received a settlement offer from Mackenzie Hall - pay 50% by end of month..

Did they specify which month?

was dated 28th Feb and I didnt receive it until 5th March! What on earth was the point.. !!

I suppose they hoped to induce you to call them and beg for that reduction; in return, they could harangue you and make all manner of threats that even they are not sufficiently daft to put into writing.

Received a letter from Arrow Global. The debt was assigned to them from Phoenix Recoveries, the last letter I got fom them they stated they did not accept they were the creditor.

If they are not the creditor, they have no right to any money from you.

Simples!

Anyway.. this letter is headed Debt owed to Arrow Global assigned by Phoenix Recoveries! It says:

We are unable, at this time, to obtain a copy of your Consumer Credit agreement from the originating creditor. However this does not mean that your debt is wiped out and your account is still defaulted. This account will now be operated on behalf of Arrow Global by Credit Account Management (CAM) and it is essential that all future payments and corresponsdence regarding this account be directed to them. We trust this clarifies our position on this matter.

Yes, it does.

It confirms that they are flim-flam men.

If they dont have a credit agreement then I certainly wont be making any future payments to them or the new clowns on the block!!

And especially if they are "not the creditor"?

Dont suppose there is a letter to send new collectors in this position is there?

Whilst you could send a version of the reply in Arkell v Pressdram (link) it would probably be better to wait until they send you a letter.

[IF]

Re: Pookies UE Diary

Well done Pooks

[MrsD]

Re: Pookies UE Diary

well done, keep that letter very safe, anyone else tries to collect this account just send them this Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

well done!!

[pooksthebear]

Re: Pookies UE Diary

Hello everyone!! Update. I have received yet another statement from RBS (the unenforceable account), they seem to be sending them every month now. Marlin have also sent me a statement - but still have not provided a cca.

Received a settlement offer from Mackenzie Hall - pay 50% by end of month.. was dated 28th Feb and I didnt receive it until 5th March! What on earth was the point.. !!

Received a letter from Arrow Global. The debt was assigned to them from Phoenix Recoveries, the last letter I got fom them they stated they did not accept they were the creditor. Anyway.. this letter is headed Debt owed to Arrow Global assigned by Phoenix Recoveries! It says:

We are unable, at this time, to obtain a copy of your Consumer Credit agreement from the originating creditor. However this does not mean that your debt is wiped out and your account is still defaulted. This account will now be operated on behalf of Arrow Global by Credit Account Management (CAM) and it is essential that all future payments and corresponsdence regarding this account be directed to them. We trust this clarifies our position on this matter.

If they dont have a credit agreement then I certainly wont be making any future payments to them or the new clowns on the block!! Dont suppose there is a letter to send new collectors in this position is there?

Thank you

[CleverClogs (RIP)]

Re: Pookies UE Diary

I replied cos I spent hours helping planB

Must you keep bringing this up

I expect his nausea will eventually abate.

Actually it only took you 1 hour 41 minutes to teach me to post two links

Some of us didn't need to be taught.

[PlanB]

Re: Pookies UE Diary

I replied cos I spent hours helping planB

Must you keep bringing this up

Actually it only took you 1 hour 41 minutes to teach me to post two links

[pooksthebear]

Re: Pookies UE Diary

Intimi what?

We don't "do" intimi's at AAD - you'll be fine

Ok.. that word is now banished from my vocabulary