Alland UE Diary

[alland]

Re: Alland UE Diary

Thanks boss will do..

[Never-In-Doubt]

Re: Alland UE Diary

Hi Allan

Thanks for clearing this up - so it's the same documents that i'd already seen, that you replied to and have since received confirmation they cannot find the agreement? In which case, just ignore them now. If they sell it to anyone, all you do is copy their letter confirming they cannot enforce and send a copy with this: ---> viewtopic.php?p=20195#p20195

Regards to Goldfish - this is an application form with no prescribed terms - it is also unenforceable so respond with this: ---> viewtopic.php?p=1629#p1629

[alland]

Re: Alland UE Diary

Sorry Niddles for me being a ... :bert

Strange sort of weekend, First the bloody PI at the door and then unwanted mail yesterday,I went into panic mode...

Ok my post cleaned up.So only the new stuff from Barclaycard Goldfish to need advice on (emailed over to you)

As for the others, Yes I have checked through my filing and found the Marbles application form and T&C I had received from them in the past and you had deemed it the latest one is just a copy of the same stuff.
And I still have the letter from them saying it is all they can supply so cannot enforce through the courts, obviously sending the stuff again with a threat of action is just standard practice to continue trying to wear me down I suppose.
So no worries on this one then.

Re RBS Mint card. again, yes you have also deemed this one Obviously Triton will keep on pestering me to pay, so I won't worry unduly about this as well.

Point taken and in future I will try and keep things simple and only post anything relevent that needs action. :red

[Elsie52]

Re: Alland UE Diary

Re; Marbles.

I got the same letter this weekend too.....and we have a letter on file dated 30th June where they admit that they cannot supply the original terms and conditions.! :bunsen Will be interested in your answer on this one Niddy.

[Never-In-Doubt]

Re: Alland UE Diary

MARBLES - 20/11/10 - Letter from Marbles stating unless account is brought up to date within the next 7 days, the agreement will be terminated and the account transferred to a Debt Collection Agency. Also enclosed a copy of my original application form and a single page of T&C from when the account was owned by Benificial Bank.

I thought these muppets ( :kermit ) had already written confirming they couldn't find the original agreement, so what the hell have they sent you then? Is this the same application as original or is it the first time you've had this? Reason I ask, you do know it only remains UE until they supply an agreement, so this may be enforceable - unless you've already had it before and i've confirmed it is UE...? :grumble :grumble :grumble

Can you please try and make things easier for me, as you can see I cannot answer what to do cos i'm confused as to why they sent that, have they previously sent it, have I previously seen it? If the answer to this is yes - then why mention it, that suggests it is new and needs action!

Sorry mate, am starting to get confused now. I'll stop here and come back later... gh

If you get time, please amend your last post and split it into proper 1 account / 1 post type layout. Also, only supply any ADDITIONAL info that needs actioning. If nothing has changed, other than them writing to you asking you to pay then don't update this as it is irrelevant. See what I mean?

Thanks

[alland]

Re: Alland UE Diary

Update 20/11/10

Barclaycard (Goldfish)

Barclaycard Goldfish
Balance £7,795 ( April ceased payments)
May CCA Request sent.
July 17th Letter received in reply to request – No signature so unable to respond to S78 request.
July 20th Replied with letter “Signature not required”
To date heard nothing back.

20/11/10 Letter received in response to my CCA request, also enclosed my original application form and copy of T&C.
Will email to Niddy for review.

[Never-In-Doubt]

Re: Alland UE Diary

y - no problemo matey

[alland]

Re: Alland UE Diary

Thanks Mate, Will do.. y

[Never-In-Doubt]

Re: Alland UE Diary

Hiya

Ok you should ignore them all other than Egg. With respect to Egg themselves, ignore them - however send this to Collect Direct ---> viewtopic.php?p=20203#p20203

That should do for the moment 2

[alland]

Re: Alland UE Diary

Update 14/11/10

Barclaycard Mastercard

Update 27/10/10

Barclaycard Mastercard
Update 27/10/10 -
Another letter from Mercers,who have obviously ignored my last letter to them.
They are now giving me 48hrs to pay up or the account will be passed to a local debt collection company who's representitive will call at my address to collect the full payment. (erm, right ok then, now where did I put that biscuit tin with a spare £6K inside? I had better get it ready for when the big bad collector calls round.. 1 )

Wait and see what they do, if they sell it then just send the account sold whilst in dispute template....

10/11/10 Another letter received from Mercers - "Default Notice Served" pay arrears before 27th November or else !
--------------------------------------------------------------------------------------------------------------------
RBS Visa

Update 27/10/10

RBS Visa
Update 27/10/10
Letter from Triton stating that they have been appointed on behalf of RBS for immediate collection of the account, and I must pay by return of post.... To date still never had any response to my original CCA request from RBS

Ok, then send this: ---> viewtopic.php?p=1502#p1502
Sorted

08/11/10 Letter from Triton - We request that you contact our office without delay, failure to contact could result in further action !
----------------------------------------------------------------------------------------------------------------------
Egg card

Egg Card

Update 07/10/10

Received Default Notice stating that I have until 26th October to pay outstanding arrears and bring account up to date or Default will be placed with Credit agencies and recovery action will begin with either 1.Notifying their solicitors to begin proceedings
2. Instruct a DCA to secure payment.

UpDate 08/11/10

Egg Card

Letter from Egg to notify me that they have now terminated my account and will be passing it on to a outside debt collection agency, who will be contacting me in the next 10 days to pursue settlement.
I suppose I am going to have to make a decision on which way to jump with this one soon.

Nah - just ignore it mate....

Let them sell it then we'll hit the DCA with the same as we hit them with, nothign to worry over.

06/11/10 Letter from Egg stating that they have taken legal advice and are satisfied that they have supplied a fully enforceable CCA, containing all the prescribed terms of the agreement and also state that credit limint in section 3 "Aproved Limit" is fully compliant - we refer you to recent judgments of HHJ Lanan in Lloyds v Mitchell (13th November 2009,unreported) and in the high court in Brophy v HFC Bank (2010) EWHC 819 (QB) In those cases the courts accepted that that a creditor such as Egg, can comply with section 6 of the agreement by stating that it will inform the client of the credit limit from time to time.

11/11/10 The above Egg letter was quickly followed up by a letter from Collect Direct (UK) saying they have been instructed to collect the amount outstanding, in order to avoid further action payment must be made within 4 days of the letter !

I know there is not much you can advise regarding Egg Niddy, so all I can really do is blag it a bit longer until the time comes when it looks like we are nearing the court steps and then try and arrange a payment plan I suppose ?

[alland]

Re: Alland UE Diary

Ok thanks Niddy, will sit it out and see what develops when a DCA takes it on y

[Never-In-Doubt]

Re: Alland UE Diary

Nah - just ignore it mate....

Let them sell it then we'll hit the DCA with the same as we hit them with, nothign to worry over.

[alland]

Re: Alland UE Diary

Egg Card

Update 07/10/10

Received Default Notice stating that I have until 26th October to pay outstanding arrears and bring account up to date or Default will be placed with Credit agencies and recovery action will begin with either 1.Notifying their solicitors to begin proceedings
2. Instruct a DCA to secure payment.

UpDate 08/11/10

Egg Card

Letter from Egg to notify me that they have now terminated my account and will be passing it on to a outside debt collection agency, who will be contacting me in the next 10 days to pursue settlement.
I suppose I am going to have to make a decision on which way to jump with this one soon.

[Never-In-Doubt]

Re: Alland UE Diary

Cheers matey - you too y

[alland]

Re: Alland UE Diary

Thanks Boss, have a good day.. y