GlobalC's UE diary

[GlobalC]

Re: globalcrossings's UE diary

Hi guys, just wanted some advice re: virgin debt, they still havent defaulted me yet but are calling everyday( i dont answer ) I havent wrote anything to them since i received the cca and i just make a token payment each month. I have been considering writing to them to request they accept reduced payments pro rata. But then i think would i be better off waiting to get defaulted and then deal with the dca who might be more likely to agree to a lower payment and then eventually F&F?

In regards to natwest i have received a default notice but still awaiting to here back from them since i sent I&E and payment offer.

[Never-In-Doubt]

Re: globalcrossings's UE diary

Okay so it looks as though this one is enforceable too, but niddy advises to just wait and see what they do next. Trouble is there still adding interest etc and my minimum payment due now is like £600 any ideas as to my next move or litterally do nothing. Thanks guys

ermm, for the balance your min payment should be £180 based on 3% repayment...... forget the arrears - that's not important.

They will add interest until it gets sold to a DCA - at that point interest usually cuts down dramatically but unless you can afford to repay it, what can you do other than allow interest and charges - you can always haggle that part later if you ever do a F&F....

[Never-In-Doubt]

Re: globalcrossings's UE diary

Yes he says it looks enforceable, they have however sent the currrent t&c's so not sure if that makes a difference. Once it gets defaulted i assume i will need to set up a plan the dc as its enforceable?

Did they send the original terms as well? If not (albeit easy to remedy) it'd be unenforceable - sorry, I rarely look at the terms unless guided to do so and your CCA looked ok, thus the terms were not considered.

You realise they're unlikely to sell it if you're making token payments - and why do this anyway when your credit file is screwed? You may as well not bother as all you're doing is throwing good money away!

[GlobalC]

Re: globalcrossings's UE diary

Did they send the original terms as well? If not (albeit easy to remedy) it'd be unenforceable - sorry, I rarely look at the terms unless guided to do so and your CCA looked ok, thus the terms were not considered.

You realise they're unlikely to sell it if you're making token payments - and why do this anyway when your credit file is screwed? You may as well not bother as all you're doing is throwing good money away!

Many thanks Niddy, i assume thery havent sent the original t&c's as in the cover letter they say they have enclosed "your up to date terms and conditions" These have my current address on, when i applied for the card i was living elsewhere as the agreement shows. Could this really be unenforceable?

[Never-In-Doubt]

Re: globalcrossings's UE diary

Many thanks Niddy, i assume thery havent sent the original t&c's as in the cover letter they say they have enclosed "your up to date terms and conditions" These have my current address on, when i applied for the card i was living elsewhere as the agreement shows. Could this really be unenforceable?

email me everything again please - i'll check again

[GlobalC]

Re: globalcrossings's UE diary

Thanks Niddy, i have just sent it all to you

[Never-In-Doubt]

Re: globalcrossings's UE diary

This is relative to one of the two minute flyers that was highlighted in CABOT UK LTD v BACHELLIER [2010]

They actually sent the original terms from Dec 2001 as well, they're not the latest ones but the originals (thus I said it was enforceable when I checked first time round) however the above case law comes into play so have a read and don't worry too much about this account.

[GlobalC]

Re: globalcrossings's UE diary

This is relative to one of the two minute flyers that was highlighted in CABOT UK LTD v BACHELLIER [2010]

They actually sent the original terms from Dec 2001 as well, they're not the latest ones but the originals (thus I said it was enforceable when I checked first time round) however the above case law comes into play so have a read and don't worry too much about this account.

Ok, so i presume this one is sort of sitting on the fence! Is there a template letter that i should fire off, or should i just ignore for now? Thanks for looking again Niddy

[Never-In-Doubt]

Re: globalcrossings's UE diary

Ok, so i presume this one is sort of sitting on the fence! Is there a template letter that i should fire off, or should i just ignore for now? Thanks for looking again Niddy

I would just wait and see what they do next.....

[GlobalC]

Re: globalcrossings's UE diary

I would just wait and see what they do next.....

Will do, and i'll stop making token payments cheers guys

[Never-In-Doubt]

Re: globalcrossings's UE diary

Good luck - keep us updated yea?

[GlobalC]

Re: globalcrossings's UE diary

Got a letter from Nit west today, and finally some goodish news they have accepted my monthly proposal for a period of 6 months, but will default me....at least that then stops the interest!

Will wait and see what happens with mbna just getting the daily calls at mo.

[Never-In-Doubt]

Re: globalcrossings's UE diary

Got a letter from Nit west today, and finally some goodish news they have accepted my monthly proposal for a period of 6 months, but will default me....at least that then stops the interest!

Will wait and see what happens with mbna just getting the daily calls at mo.

Well cone with NatPest - regards to MBNA - send this: ---> Harassment by Telephone

[GlobalC]

Re: globalcrossings's UE diary

hey guys, to update i receieved and email from mbna today, obviously getting conscience about saving the tree's!.

We have already contacted you to remind you about the arrears on your account. These now total £0000.00 and this information is being registered with the credit reference agencies.

Please make an immediate debit card payment via Online Card Services. If you've not already registered for this service, you'll need your most recent statement to complete the registration process.

To log in, simply click the button below.



After you've made your payment, why not set-up a Direct Debit for your future payments? A Direct Debit will not only prevent future missed payments registering on your credit file, it will prevent additional fees associated with late payments.

Whatever your situation, it is important that you contact us if you are unable to make the required payment in full today. You can call us free Monday to Thursday 9am to 9pm, Friday 9am to 6pm and Saturday 9am to 1pm on:

Think i'll just ignore for now. I was wandering if there is some sort of letter that i can fire off in the future when things get a bit more serious with regards to my situation with mbna?

[Deepie]

Re: globalcrossings's UE diary

Just ignore for now...let them write to you