Alland UE Diary

[Never-In-Doubt]

Re: Alland UE Diary

All you do is a send a one liner to Greens saying "see attached my previous letter to Triton, which outlines my position. I suggest you return this account to them as any action attempted by you will be met with a full defence as unlawful and vexatious with a full counterclaim for quantifiable damages and all costs. I further suggest you speak to Triton and explain the law to them, in particular that they are forbidden from passing on a disputed account, especially to an internal legal arm of the bank and if it happens again, legal action will be commenced against them"

Then attach a copy of the threat you sent Triton at the beginning of the month.

[alland]

Re: Alland UE Diary

Thanks mate,
I will respond to Greens with a carefully worded letter as you suggest.

[Never-In-Doubt]

Re: Alland UE Diary

Thanks mate,
I will respond to Greens with a carefully worded letter as you suggest.

Keep us posted with developments mate

[alland]

Re: Alland UE Diary

Update 06-03-11

Update 28-02-11
Quote:
Originally Posted by alland
06-02-11 Update #2
RBS M/Card

31-01-11 letter from Triton headed "NOTICE OF LEGAL PROCEEDINGS"
"We remain very disappointed that you have failed to settle, we have now recommended RBS that solicitors should be instruced to commence court proceedings against you.

And goes on the say what could happen if judgment is obtained, - bailiffs, charge on my property, ect. ect.

Quote:
Originally Posted by Never-In-Doubt
Send this back: ---> Threat by Lender/D.C.A - To commence litigation

28-02-11 Letter received from Greens Solicitors demanding I pay Triton Credit the outstanding amounts owed.
Responded with account in dispute letter as per niddy's instructions.

Letter received from RBS - "We do not consider this account to be in dispute as we have fully complied with your request under the Consumer Credit Act s78, and our position remains as advised, your indebtedness remains due and we will be pursuing for full repayment. This is our final response. If you remain dissatisfied you may refer your complaint to the Financial Ombusdsman Service."

I'm thinking File for now and await their next move?

[Never-In-Doubt]

Re: Alland UE Diary

Jeysus mate - you get post on a Sunday - impressive!!

Just ignore it. :niddy

[alland]

Re: Alland UE Diary

Jeysus mate - you get post on a Sunday - impressive!!

Just ignore it. :niddy

niddy my mate, it was yesterdays post that I had only opened today...

[Never-In-Doubt]

Re: Alland UE Diary

niddy my mate, it was yesterdays post that I had only opened today...

I know

[alland]

Re: Alland UE Diary

Update 16/12/10
MBNA Accounts

MBNA Visa card
MBNA Sony Card
MBNA Alliance & Leicester M/card

Letter received - Stating "At least one of the credit cards issued by us (or issued by us on behalf of an inffinity partner) is due to be written off as a bad bebt next month. This means that you will be liable for the full balance of the account. If you do not settle we may emply a collection agency or sell this debt when it has been written off. Which means we will no longer be able to resolve the matter."

I suppose all I should do now is sit it out and see what develops on these accounts.

Update 10-03-11

Letter received from MBNA in relation to Alliance & Leicester Card
" Your account has now been terminated and you will recieve no further statements ( thank you thats very kind, it will help save a few trees )
A default has been reported to the credit reference agencies,which cannot be reversed or removed and will stay on your credit file for 6 years. this may affect you obtaining future credit ( Oh bugger ! )

We will now consider one of the following options open to us.
1. Appoint a debt collection agent to recover the full amount owed.
2. Sell the debt to a third party debt collection agent.
3. Begin litigation to recover the debt.

We will inform you in due course of what action we intend to take.

What can you do to avoid any of the above action ? - Pay the outstanding amount in full within 14 days, or call us to arrange a suitable repayment plan"

I will just wait and see what action they decide on, this account is currently sitting at £2,600, hopefully it isn't enough for MBNA to bother fighting themselves through litigation and they will sell the debt and we can begin the whole UE process again.


PS. Any new members reading my diary who feel some of my comments may seem a bit flipant, don't worry, I never forget the seriousness of my debt problem, but after being on this journey for almost a year, it does help to make light of the situation occasionally, if only to keep sane !.

[Never-In-Doubt]

Re: Alland UE Diary

Cheers for update Allan, best of luck!

[alland]

Re: Alland UE Diary

Cheers for update Allan, best of luck!

Cheers boss..
If I don't touch base tomorrow, enjoy your jolly across the pond, I will be following up your rear (so to say ) in a weeks time as well.

[Never-In-Doubt]

Re: Alland UE Diary

Cheers boss..
If I don't touch base tomorrow, enjoy your jolly across the pond, I will be following up your rear (so to say ) in a weeks time as well.

cool, hope you have a good time too - well, we know you will

[alland]

Re: Alland UE Diary

Update 16/12/10
MBNA Accounts

MBNA Visa card
MBNA Sony Card
MBNA Alliance & Leicester M/card

Letter received - Stating "At least one of the credit cards issued by us (or issued by us on behalf of an inffinity partner) is due to be written off as a bad bebt next month. This means that you will be liable for the full balance of the account. If you do not settle we may emply a collection agency or sell this debt when it has been written off. Which means we will no longer be able to resolve the matter."

Update 10-03-11

Letter received from MBNA in relation to Alliance & Leicester Card
" Your account has now been terminated and you will recieve no further statements ( thank you thats very kind, it will help save a few trees )
A default has been reported to the credit reference agencies,which cannot be reversed or removed and will stay on your credit file for 6 years. this may affect you obtaining future credit ( Oh bugger ! )

We will now consider one of the following options open to us.
1. Appoint a debt collection agent to recover the full amount owed.
2. Sell the debt to a third party debt collection agent.
3. Begin litigation to recover the debt.

We will inform you in due course of what action we intend to take.

What can you do to avoid any of the above action ? - Pay the outstanding amount in full within 14 days, or call us to arrange a suitable repayment plan"

I will just wait and see what action they decide on, this account is currently sitting at £2,600, hopefully it isn't enough for MBNA to bother fighting themselves through litigation and they will sell the debt and we can begin the whole UE process again.

Update 11-03-11

I'm sure DCA's send out threats purposly to arrive on a friday in an attempt to spoil a persons weekend !

Recieved from Allied International Credit Glasgow, two seperate yellow cards in reference to two of my MBNA accounts,usual wording stating they have been instructed to recover the balance on behalf of MBNA. Only their own reference numbers on the cards, so not sure which two of the three above MBNA accounts these relate to.

Not had any previous contact from this DCA so will be responding with account in dispute letters.

[alland]

Re: Alland UE Diary

Update #2 11-03-11

Update 7/11/10

Co-operative Visa Card
November 1st Letter from Phoenix Credit Services stating - You have failed to reach agreement for the repayment of the debt. Your debt will now be registered with the credit reference agancies. A default may affect your credit rating for up to 6 years. If you wish to stop this action call us within the next 48hrs we now require you to make an immediate payment.

Not heard from Co-Operative Visa for ages until today.

Leter received from Moorcroft - "Notice of Intended Litigation" " To prevent our recommending to our client that solicitors commence legal proceedings, it is essential you settle this debt without delay. Both our client and us do not want to take this action, but if settlement or arrangemnet to pay is not made by 15-03-11 a claim may be issued by our solicitors instructed to act on behlaf of our client without further notice."
Goes on to say how a judgement will affect my furture credit needs ect..

Will respond with "threat of litigation letter"

[jet set willy]

Re: Alland UE Diary

Hi Alland, just been reading through your thread. Fantastic work and some great advice to be had. Your A&L/MBNA card is of most interest to me as i have one too. I have trawled many many many forums and threads and have never seen an agreement come back for an ex-a&l credit card. I sometimes feel upset when i find a thread with one and see no agreement was ever sent lol, i should be happy i know! Have you? I even have my original welcome pack and there is no agreement in it either!

Can i ask a question though, i see in your posts that you should never favour a creditor. I was of the opinion that you should favour the creditors with enforcable agreements. Is that right? I admit to being new to all this and the learning curve is steep

Anyway up, stay strong and i look forward to the updates. Time to read another thread......

[Never-In-Doubt]

Re: Alland UE Diary

Update 11-03-11Recieved from Allied International Credit Glasgow, two seperate yellow cards in reference to two of my MBNA accounts,usual wording stating they have been instructed to recover the balance on behalf of MBNA. Only their own reference numbers on the cards, so not sure which two of the three above MBNA accounts these relate to.

Not had any previous contact from this DCA so will be responding with account in dispute letters.

Yep - send this off: ---> Account sold - whilst in Default of CCA Request