Pookies UE Diary

[pooksthebear]

Re: Pookies UE Diary

Oh Niddy... just one more thing... the signature box on the copy they sent looks different to the rest of the document.. its fuzzy as if its been scanned on. Also, the font appears different in place and so does the type with some being in bold on one copy but not on the other. Lastly, my copy appears larger than the copy they have sent which has a border round. Not sure if any of this makes any difference but I uploaded both theirs and my copies for comparison!

Thanks again for all your help

[pooksthebear]

Re: Pookies UE Diary

Hiya

Don't bother with SAR. It's obviously sold by assignment.

Have you emailed me the cca? Can you?

Thanks

Ok I wont send it, should I ask them for the assignment letter?

I have uploaded the CCA to the secure area, there are two posts in there for the CCA from CL Finance. One is the one they sent me, the other is the one I already had for you to compare with. Have I sent them to the right place?

Thanks

[Never-In-Doubt]

Re: Pookies UE Diary

Ok I wont send it, should I ask them for the assignment letter?

I have uploaded the CCA to the secure area, there are two posts in there for the CCA from CL Finance. One is the one they sent me, the other is the one I already had for you to compare with. Have I sent them to the right place?

Thanks

I have replied to this now - sorry for the delay.

Unfortunately it is enforceable as the PT's are within the signed agreement. It's enforceable.

[Never-In-Doubt]

Re: Pookies UE Diary

Oh Niddy... just one more thing... the signature box on the copy they sent looks different to the rest of the document.. its fuzzy as if its been scanned on. Also, the font appears different in place and so does the type with some being in bold on one copy but not on the other. Lastly, my copy appears larger than the copy they have sent which has a border round. Not sure if any of this makes any difference but I uploaded both theirs and my copies for comparison!

Thanks again for all your help

But a recon can suffice if it contains the same data and taken from a similar source. The point is the recon does have all the PT's attached, your signature is not even necessary so forget that part - sorry I'm not being a spoilsport but I can't sit here and agree with you when recent cases have shown that your argument would fail. Sorreeeee

[CleverClogs (RIP)]

Re: Pookies UE Diary

But is it capable of sustaining a bluff that it's UE?

[Never-In-Doubt]

Re: Pookies UE Diary

But is it capable of sustaining a bluff that it's UE?

Oh but of course

You can send the missing prescribed terms template. See how they like that

[pooksthebear]

Re: Pookies UE Diary

Oh but of course

You can send the missing prescribed terms template. See how they like that

Thanks Niddy and CC!

Never mind eh, you cant win them all.. you can but play and try! Shall I just sit back now and see what they throw at me next.. and then send the missing prescribed terms template?

I have now also received a letter from RBS (was being collected by Triton and deemed UE). Obviously Triton have given up and its gone back to RBS. This is what they say:

I am disappointed to note that you have failed to comply with our agreement. Unless I receive an immediate payment to your account and regular repayments thereafter, as arranged, I will have no alternative but to place your account in the hands of external DCA's, without prior warning.

Should I send RBS the missing prescribed terms letter?

Also received a letter today from Colemans solicitors re the Orange contract that hasnt been paid for at least a year (I though I had already paid this off). It went from Orange, through various dca's I was paying through dmp. Then to capquest, who appointed Mackenzie Hall to collect on their behalf. I sent a CCA request to M.H who said they forwarded it on to Capquest and if no reply they would close case. Then it went to Connect on behalf of Capquest and now Colemans are on the case. It says:

We act for M.H who are agents for Capquest. We are instructed that despite our client's previuos attempts to obtain payment you have not responded. Our client is not aware that you have any valid reasons for non payment. You shoudl make arrangements to settle the oustanding amount within the next 7 days, failure to enter an arrangement may result in legal proceedings against you.

Any ideas what to respond to this or should I ignore for now?

Thank you all for your help, Pooks!

[pooksthebear]

Re: Pookies UE Diary

But a recon can suffice if it contains the same data and taken from a similar source. The point is the recon does have all the PT's attached, your signature is not even necessary so forget that part - sorry I'm not being a spoilsport but I can't sit here and agree with you when recent cases have shown that your argument would fail. Sorreeeee

No worries Niddy, fully understand, I was clinging on to a little hope with it being such a big debt!! Pooks

[Deepie]

Re: Pookies UE Diary

Thanks Niddy and CC!

Never mind eh, you cant win them all.. you can but play and try! Shall I just sit back now and see what they throw at me next.. and then send the missing prescribed terms template?

I have now also received a letter from RBS (was being collected by Triton and deemed UE). Obviously Triton have given up and its gone back to RBS. This is what they say:

I am disappointed to note that you have failed to comply with our agreement. Unless I receive an immediate payment to your account and regular repayments thereafter, as arranged, I will have no alternative but to place your account in the hands of external DCA's, without prior warning.

Should I send RBS the missing prescribed terms letter?

Also received a letter today from Colemans solicitors re the Orange contract that hasnt been paid for at least a year (I though I had already paid this off). It went from Orange, through various dca's I was paying through dmp. Then to capquest, who appointed Mackenzie Hall to collect on their behalf. I sent a CCA request to M.H who said they forwarded it on to Capquest and if no reply they would close case. Then it went to Connect on behalf of Capquest and now Colemans are on the case. It says:

We act for M.H who are agents for Capquest. We are instructed that despite our client's previuos attempts to obtain payment you have not responded. Our client is not aware that you have any valid reasons for non payment. You shoudl make arrangements to settle the oustanding amount within the next 7 days, failure to enter an arrangement may result in legal proceedings against you.

Any ideas what to respond to this or should I ignore for now?

Thank you all for your help, Pooks!

I Would ignore both for now....... no need to send RBS the missing prescribed terms letter let them pass it on............

[pooksthebear]

Re: Pookies UE Diary

I Would ignore both for now....... no need to send RBS the missing prescribed terms letter let them pass it on............

Thanks ITD, I am surprised that M.H have passed this to a solicitor, I only owe £51! Wonder if its just better to pay it and get them off my case?

Pooks

[Never-In-Doubt]

Re: Pookies UE Diary

Thanks ITD, I am surprised that M.H have passed this to a solicitor, I only owe £51! Wonder if its just better to pay it and get them off my case?

Pooks

Actually, cheeky bastards would be abusing court process if they did take action.

Write back and just say

"Dear Bullies,

Ref: xxxxxxxx

I write with reference to your latest threat.

For the last time, I have already paid this account in full and I strongly suggest that you get real. How dare you make threats of legal action over a claimed debt of £50 which has already been paid. You are aware if I report you then you'll get fined more than the sum outstanding so why not just go away and make yourself useful, there is a busy main line train station nearby, could I suggest you frequent some of your wasted energy there?

Goodbye."

I would seriously be THAT cheeky - if they start action then yea pay it before they add costs etc (we'll sort that for you IF it ever happens) and report them!

[Never-In-Doubt]

Re: Pookies UE Diary

or

Just write back and simply say (using huge font)

"GET FUCKED"

And leave it at that

[pooksthebear]

Re: Pookies UE Diary

or

Just write back and simply say (using huge font)

"GET FUCKED"

And leave it at that

Hahaha.. love it!!

Honestly its baffled me, I was paying Moorcroft through dmp and Im convinced I paid it when I was trying to clear some debts. The dmp said they had a record of me ringing them and saying it was paid. This was in November 2009. I carried on paying all debts through dmp until Oct 2011, why would I suddenly stop paying the £1 per month if not paid off.. makes no sense!! I heard absolutely nothing since, and the dmp didnt hear anything either. First I heard was back end of last year when got letter from capquest out of the blue. If it wasnt paid, you would have thought they would have started chasing as soon as i stopped paying!

Will send that letter, thanks Niddy, your brill!!

Pooks

[pooksthebear]

Re: Pookies UE Diary

Hmmm... Cabot have done a search on my credit file for some reason, I certainly did not authorise it and have absolutely no idea why they have done it. Does it matter?

[pooksthebear]

Re: Pookies UE Diary

Hi all, does anyone know whether it matters that Cabot have done a search on my credit file? From what I can gather this search will stay on my credit file for a number of years!

Cheers, Pooks