Pookies UE Diary

[pompeyfaith]

Re: Pookies UE Diary

If you checked your PMs within the CAG environment it would have automatically changed since I sent it, even old posts like the one where I first found the reference to :niddy changed the word to 'noddy' in the beginning of December, at the time they found out about my PMs and banned me!

Glad you made it here though!

FP,

That can only mean one thing, alls well and ends well lol they did you a favour as this site is streets ahead of them.

It also makes this site that much stronger with your help and input.

[garlok]

Re: Pookies UE Diary

I think we are glad to see all of them here.

regards
Garlok

[pooksthebear]

Re: Pookies UE Diary

Hello everyone.. is it too late in the day to say Happy New Year?? Oh well I'm gonna say it anyway HAPPY NEW YEAR EVERYONE !!

Right update time...

BWC/Phoenix/Arrow Global (small littlewoods debt) - heard nothing since they started squabling over who deals with the debt. Still no agreement.

Mackenzie hall - working on behalf of Capquest(disputed mobile phone debt. They set Meritforce on me and I sent them doorstep threat letter. Now its passed to Connect on behalf of Capquest. Have ignored letter demanding payment. Still no agreement.

CL Finance (big loan) - they sent CCA and Niddy thinks enforceable. I haven't responded to them since it arrived and they haven't been in contact either.

Debt Managers (bank loan)- heard nothing since sent cca request so still no agreement.

Triton -(bank loan) Heard nothing from since they sent agreement (ue)

Cabot - (bank overdraft). Still don't know if they have authority to collect the debt but they told me they don't have to produce agreement and they are right. Currently they are ringing me a dozen times a day (from various different numbers) on my house phone and mobile but I am just rejecting all the calls. Getting me down a bit though now cos they ring at all hours of every day.

Last payment made to anyone was October.. slightly concerned in an odd way that I haven't heard much, makes me wonder what they are up to! Presume they would hit me with demand letters before taking me to court (the likes of Cabot who don't need to produce cca and CL finance who have and it looks enforceable)?

CRA still hasn't removed defaults off my file.. one should have come off in October when it reached its 6 years and the other in December. Don't suppose I can do much about that though!!

[Pixie]

Re: Pookies UE Diary

I think they usually issue a 'Letter Before Action' or a Final Demand before issuing court papers but I'm not sure if it's a legal requirement.

They do have to have issued a default notice though.

[CleverClogs (RIP)]

Re: Pookies UE Diary

Do you know, funny you should say that. I went on last night just to check on the PM's that I got and I noticed that it said Noddy. I thought, how did I find Niddy then?

A typo, perhaps?

[CleverClogs (RIP)]

Re: Pookies UE Diary

RBS CREDIT CARD

Start date - 2002/2003
Status - Default put on credit by RBS file October 05.
Balance - £1766.00
Last paid October 2011 through DMP which is now ceased.

Debt sold, unsure how many times. Debt now with TRITON.

3 weeks ago sent full and final without predudice, ex gratia offer, pro -ratered with all other creditors a portion of the £9k my mum offered me. Sent standard template letter but removed any acknowledgment of the debt. I also asked them for a breakdown of payments received over last 12 months.

No response to my letter.

17,10.11 - Received letter from RBS re f&f offer stating they will not comply without a signature.
27.10.11 - CCA Letter sent first class recorded.
04.11.11 - Received credit card statement from RBS
12.11.11 - No reponse at all, now had their 12+2 days to reply
18.11.11 - CCA received
21.11.11 - Emailed CCA to Niddy -
Niddy says
10.02.12 - keep getting the odd statement from RBS but heard nothing else.

Typical RBS; instead of getting something, they arrogantly quibbled and now that it's , they'll get nothing.

[CleverClogs (RIP)]

Re: Pookies UE Diary

Mackenzie hall - working on behalf of Capquest(disputed mobile phone debt. They set Meritforce on me and I sent them doorstep threat letter. Now its passed to Connect on behalf of Capquest. Have ignored letter demanding payment. Still no agreement.

As it was not a regulated consumer credit agreement, they do not need to send such an agreement as that agreement does not exist. However, the creditor does need to prove that the money is owed and that, if the alleged debt has been assigned to them, that the alleged debt is owed to them.

Cabot - (bank overdraft). Still don't know if they have authority to collect the debt but they told me they don't have to produce agreement and they are right.

No, they're not.

The law has been changed (link and overdrafts are no longer excluded. They now have to comply with section 61A (link - duty to supply copy of executed consumer credit agreement) and/or section 61B (link - duty to supply copy of overdraft agreement) and failure so to do may impair their chances of enforcing the alleged debt.

Currently they are ringing me a dozen times a day (from various different numbers) on my house phone and mobile but I am just rejecting all the calls. Getting me down a bit though now cos they ring at all hours of every day.

It's about time that was stopped.

Send the jerks a copy of the telephone harassment letter - link.

[CleverClogs (RIP)]

Re: Pookies UE Diary

A couple of quick questions, though:

1. How does one "pook" a bear?
2. Is bear pooking quite safe?

[pooksthebear]

Re: Pookies UE Diary

The law has been changed (link and overdrafts are no longer excluded. They now have to comply with section 61A (link - duty to supply copy of executed consumer credit agreement) and/or section 61B (link - duty to supply copy of overdraft agreement) and failure so to do may impair their chances of enforcing the alleged debt.


Send the jerks a copy of the telephone harassment letter - link.

Oh I didnt know that, has it recently been changed then? Is there a template letter I could send them as they refused to comply with the first request saying it was not covered by the consumer credit act and therefore they did not need to send it.


Thank you, will send them the telephone harrassment letter and a new letter asking for the CCA

[pooksthebear]

Re: Pookies UE Diary

A couple of quick questions, though:

1. How does one "pook" a bear?
2. Is bear pooking quite safe?

Haha, I am not sure but I believe it is quite safe !!

[pooksthebear]

Re: Pookies UE Diary

I think they usually issue a 'Letter Before Action' or a Final Demand before issuing court papers but I'm not sure if it's a legal requirement.

They do have to have issued a default notice though.

I have had no demands for payment from anyone (except capquest/mackenzie hall/meritforce/connect). I (alledgedly) owe them £51. Havnt paid anything on this since 2009 and I actually thought I had paid it off. I havnt paid anything to anyone else since October. They all defaulted me years ago,

RBS sent my CCA but deemed unenforceable, CL finance sent my CCA but we think that is enforceable, CABOT refused to send as its an overdraft and they said they didnt have to. Soooo... could these 3 just start court action without me knowing until court papers arrive?

Capquest, Debt Managers and Arrow Global have not responded to my CCA request. Can these also start court action without me knowing until court papers arrive?

Im worried now... Two defaults are over 6 years old and should be off my credit file (but are still showing), another one due off in March. Dont fancy having ccjs replacing them.

[Pixie]

Re: Pookies UE Diary

I have had no demands for payment from anyone (except capquest/mackenzie hall/meritforce/connect). I (alledgedly) owe them £51. Havnt paid anything on this since 2009 and I actually thought I had paid it off. I havnt paid anything to anyone else since October. They all defaulted me years ago,

I wouldn't worry about such a low amount. A lot of the threats from dcas are just that - threats, hoping that you'll get scared and pay. with Niddy and the gang on your side their threats won't work

RBS sent my CCA but deemed unenforceable, CL finance sent my CCA but we think that is enforceable, CABOT refused to send as its an overdraft and they said they didnt have to. Soooo... could these 3 just start court action without me knowing until court papers arrive?

It's unlikely that they'll be able to start court action without you knowing but, even if you did receive court papers, we can still help you to sort things out. RBS won't be able to take you to court if the cca is UE.

I have a couple of enforceable debts which I haven't heard much about for quite some time.

Capquest, Debt Managers and Arrow Global have not responded to my CCA request. Can these also start court action without me knowing until court papers arrive?

They can't start court action while they're in default of your cca request - which they are as they haven't produced a valid cca.

Im worried now... Two defaults are over 6 years old and should be off my credit file (but are still showing), another one due off in March. Dont fancy having ccjs replacing them.

Why are you getting so worried? Is it because the defaults are coming off your file and you're just panicking?

Please stop worrying over things that 'might' happen.

[pooksthebear]

Re: Pookies UE Diary

I wouldn't worry about such a low amount. A lot of the threats from dcas are just that - threats, hoping that you'll get scared and pay. with Niddy and the gang on your side their threats won't work



It's unlikely that they'll be able to start court action without you knowing but, even if you did receive court papers, we can still help you to sort things out. RBS won't be able to take you to court if the cca is UE.

I have a couple of enforceable debts which I haven't heard much about for quite some time.



They can't start court action while they're in default of your cca request - which they are as they haven't produced a valid cca.



Why are you getting so worried? Is it because the defaults are coming off your file and you're just panicking?

Please stop worrying over things that 'might' happen.

Thank you Pixie

Yes im worrying because defaults coming off and its all gone so quiet... makes me think 'they' are up to something!!

[CleverClogs (RIP)]

Re: Pookies UE Diary

Yes im worrying because defaults coming off and its all gone so quiet... makes me think 'they' are up to something!!

Which they are, of course.

They're busy bothering other people who don't fight back.

[Pixie]

Re: Pookies UE Diary

Thank you Pixie

Yes im worrying because defaults coming off and its all gone so quiet... makes me think 'they' are up to something!!

Enjoy the quiet - only worry you get something to worry about!