Alland UE Diary

[Never-In-Doubt]

Re: Alland UE Diary

Ah glad you have insider information on this mate. Otherwise it might have meant a word for word search through the docs.

Its cool, the account is dead mate - legally or otherwise...

[garlok]

Re: Alland UE Diary

Ah glad you have insider information on this mate. Otherwise it might have meant a word for word search through the docs.

regards
Garlok

[Never-In-Doubt]

Re: Alland UE Diary

Update 19-09-11

It has made me think a bit though, I certainly hope it does not mean they can now chase me on this account again !

You home already?

No, you're quite safe mate - dinnae worry - I know about this, it's fine!

[garlok]

Re: Alland UE Diary

Hi Allan,

A lot depends on how that original F & F was actually worded, the terms and conditions you imposed on the cashing of the cheque(s) and the specific wording of their correspondence to you. As you are well aware this is a Common Law of Contract issue not a relatively simple CCA/Statute Law issue, hence anything can happen. Unless a Third party cheque was used, and I know Niddy does not like or recommend them, you cannot rely on Bracken v Billinghurst and the case it refers to in the Court of Appeal (the Temple case) and Fletcher Moulton LJ's rulings on the subject. They will probably try to refer to Commissioners of Inland Revenue v Fry to use against you in these circumstances. I do know that barclaycard will try to bluff you by saying something like it is you that have totally misinterpreted the case law etc etc without being specific. But thats BC.

Hence it is perfectly possible that they may be able to come back at you at any time in pursuit of the outstanding balances. We have put up quite a bit about F & Fs recently around the site and Niddy has tightened up the template letters for others as many it would seem have got themselves mixed up with the creditor use of "partial settlement" in their letters in thinking that this is the same as the notice on their CRFs. Of course it is not and if you have let this go in a piece of correspondence it will leave you open in future pursuit.

Give me shout if you need any more info.

regards
Garlok

[alland]

Re: Alland UE Diary

Update 19-09-11

Update 11-05-11
Egg Card
Balance £10,336.92

Well a year to the day when I sent off for my first CCA request.
Letter received back from ARC Europe re my F&F offer of £2K to Egg.

" We refer to your recent offer to pay and confirm that we are willing to accept £2,000.00 to settle this debt.

Payment 1: £2,000.00 by the 16th May 2011.

Payment must be received at these offices by the due date, and for the agreed amount. The full balance will become payable if you do not keep to these agreed terms.

Following your payment your credit file will be updated to show this account has been partially settled, the balance will be brought to nil and you will not be pursued for any further monies for this account. "

Well what a result !........

Quick update on the Egg account.

Although I paid the F&F to Egg via ARC Europe as agreed, I have just received an email from Barclaycard to tell me they have now bought my account off Egg, but due to the current status of the account, they will not be sending me a new card !

I take it that although I have paid Egg the agreed F&F on the account, the account still shows as "live" therefore Barclaycard have an obligation to notify me they now own the account.....

It has made me think a bit though, I certainly hope it does not mean they can now chase me on this account again !

[alland]

Re: Alland UE Diary

there is a MSE thread about them, sound like a right lot of numpties, seem to get things like gas bills, phone bills etc.

Thanks Mrs D & Garlok, maybe they are aiming for higher targets now, I'll see what progresses in the coming weeks, although thinking about it, I won't know their next move until mid October has I am away overseas with work from weekend for 6 weeks.
Maybe when I reply to them I should also advise them I won't be around to answer any more correspondence for a while.... I wouldn't want them to think I was ignoring them...

[garlok]

Re: Alland UE Diary

They have been around for a while. Not had dealings myself but I think they appear on just about every forum known to man. They try to masquerade as a legal firm but do not appear on any normal listings nor do they appear on Companies House. And to boot they do appear as an associate company or business of Gothia either. Hence I would draw the conclusion they are chancers doing a bit of legwork for Gothia in the hopes we won't notice

regards
Garlok

[MrsD]

Re: Alland UE Diary

there is a MSE thread about them, sound like a right lot of numpties, seem to get things like gas bills, phone bills etc.

[alland]

Re: Alland UE Diary

Oh and thanks. You know what I mean

My pleasure mate...

[alland]

Re: Alland UE Diary

Buchanan Clark & Wells
There new to me too

I2D, Just reading the small print on bottom of their letter, it states they are a trading name of BCW Group Ltd. part of the Gothia Financial Group - I have not heard of them either.

I suspect adopting the trading name " Buchanan Clark & Wells" is a marketing ploy to give one the impression they sound like a firm of solicitors

[Never-In-Doubt]

Re: Alland UE Diary

Oh and thanks. You know what I mean

[Never-In-Doubt]

Re: Alland UE Diary

Yes matey. Send that

[Deepie]

Re: Alland UE Diary

Buchanan Clark & Wells
There new to me too

[alland]

Re: Alland UE Diary

Update 31/08/11

HSBC (GM Card)

Last paid May 2010
Balance £11,754.00
Requested CCA in May 2010 -

In July 2010 received a blank Application form with my name & address hand written on it, no other personal information shown, and also a set of current T&C.
On the following day I received exactly the same information again, but showing someone elses name & address on the application form, and also a copy of one of the other persons credit card statements ....very professional hey !

Well since then I received just one letter from Wescot back in march this year, demanding I pay up. I sent back template letter "Account in Dispute" re CCA.
They quickly closed the account on me and passed it back to HSBC.

Nothing more heard until today.

Received a demand to pay from a Buchanan Clark & Wells of Glasgow.
Not had any previous dealing with these people, so not sure how persistant they will be.

Will send them the usual "Account in Dispute" letter and await their response.

[Never-In-Doubt]

Re: Alland UE Diary

It does when you're quicker off the mark mate