GlobalC's UE diary

[Deepie]

Re: globalcrossings's UE diary

Virgin Credit card
Taken Out Nov 2002
Approx balance £6300 This is now £7500
Date last paid September
Status In arrears
Account holder MBNA


11th Nov Received CCA
25th Nov Niddy says " 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.

6th Dec received email reminding me of arrears and to pay. ignored
12th Jan2012 received email saying i am now 3 months in arrears blah blah. ignored
20th Jan received a LETTER! telling me about 3 months in arrears and that the credit facilty has been withdrawn! IGNORING i think?
17th June Letter received. Account has now been terminated and default registered
13th Aug Letter received saying they have now sold debt to Link Financial
06th Sept First letter received from Link Financial confiming they have assigned the debt from MBNA and they are seeking recovery of full amount

I guess i just ignore for now, see what they send next?

So you respond with missing PT's template as usual.

Just checking.............

[GlobalC]

Re: globalcrossings's UE diary

So you respond with missing PT's template as usual.

Thanks niddy, i had the cca last year though, debt is now with link and received first letter from them, i havent requested a cca from link, only mbna last year.

[Never-In-Doubt]

Re: globalcrossings's UE diary

So send link account sold in dispute template - then as a follow up (when the threats come in) you send missing PT's template.

You don't do a new cca for each dca. We already know this is ue and sending a new s.78 allows them to get it right using Carey (recon)..

... Which we DON'T want.

[GlobalC]

Re: globalcrossings's UE diary

So send link account sold in dispute template - then as a follow up (when the threats come in) you send missing PT's template.

You don't do a new cca for each dca. We already know this is ue and sending a new s.78 allows them to get it right using Carey (recon)..

... Which we DON'T want.

Many thanks, will get it done now.

[Deepie]

Re: globalcrossings's UE diary

I would send this it it were me just to let them know---> Account Sold whilst in Dispute

Many thanks, will get it done now.

Thats what I said back in post 118.................

[Never-In-Doubt]

Re: globalcrossings's UE diary

Thats what I said back in post 118.................

Yea but I'm the boss. You're my bitch

Thanks mate. Missed your reply

[GlobalC]

Re: globalcrossings's UE diary

Sorry to be a right pain in the backside, but im looking at the account sold in dispute template, it refers to basically not having received the cca which i have already got.

Perhaps i should explain from beginning. I received cca, niddy took a look and told me not to worry about this one. So i have basically just ignored any calls/letters and waited for them to default me etc

I just want to double check with you guys to make sure that this account sold in dispute is the way forward here? feel free to me

[Deepie]

Re: globalcrossings's UE diary

It's fine just send it...............

[GlobalC]

Re: globalcrossings's UE diary

Okey dokey

[GlobalC]

Re: globalcrossings's UE diary

Virgin Credit card
Taken Out Nov 2002
Approx balance £6300 This is now £7500
Date last paid September 2011
Status defaulted with Link finacial
Account holder MBNA


11th Nov Received CCA
25th Nov Niddy says " 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.

6th Dec received email reminding me of arrears and to pay. ignored
12th Jan2012 received email saying i am now 3 months in arrears blah blah. ignored
20th Jan received a LETTER! telling me about 3 months in arrears and that the credit facilty has been withdrawn! IGNORING i think?
17th June Letter received. Account has now been terminated and default registered
13th Aug Letter received saying they have now sold debt to Link Financial
06th Sept First letter received from Link Financial confiming they have assigned the debt from MBNA and they are seeking recovery of full amount
7th Sept Sent sold in dispute template to link
13th Sept Received letter from link saying i have made a request for docs under sec77/78 for variuos docs, and i should allow 30 days.....blah blah

Didnt realize i had requested any docs? i guess this is how they interprete the sold in dispute letter

[Deepie]

Re: globalcrossings's UE diary

Virgin Credit card
Taken Out Nov 2002
Approx balance £6300 This is now £7500
Date last paid September
Status In arrears
Account holder MBNA


11th Nov Received CCA
25th Nov Niddy says " 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.

6th Dec received email reminding me of arrears and to pay. ignored
12th Jan2012 received email saying i am now 3 months in arrears blah blah. ignored
20th Jan received a LETTER! telling me about 3 months in arrears and that the credit facilty has been withdrawn! IGNORING i think?
17th June Letter received. Account has now been terminated and default registered
13th Aug Letter received saying they have now sold debt to Link Financial
06th Sept First letter received from Link Financial confiming they have assigned the debt from MBNA and they are seeking recovery of full amount
7th Sept Sent sold in dispute template to link
13th Sept Received letter from link saying i have made a request for docs under sec77/78 for variuos docs, and i should allow 30 days.....blah blah

Didnt realize i had requested any docs? i guess this is how they interprete the sold in dispute letter

Just see what they come back with............

[GlobalC]

Re: globalcrossings's UE diary

Virgin Credit card
Taken Out Nov 2002
Approx balance £6300 This is now £7500
Date last paid September 2011
Status defaulted with Link finacial
Account holder MBNA


11th Nov Received CCA
25th Nov Niddy says " 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.

6th Dec received email reminding me of arrears and to pay. ignored
12th Jan2012 received email saying i am now 3 months in arrears blah blah. ignored
20th Jan received a LETTER! telling me about 3 months in arrears and that the credit facilty has been withdrawn! IGNORING i think?
17th June Letter received. Account has now been terminated and default registered
13th Aug Letter received saying they have now sold debt to Link Financial
06th Sept First letter received from Link Financial confiming they have assigned the debt from MBNA and they are seeking recovery of full amount
7th Sept Sent sold in dispute template to link
13th Sept Received letter from link saying i have made a request for docs under sec77/78 for variuos docs, and i should allow 30 days.....blah blah
13th Oct Link have sent the same cca i had from mbna, they say they have fullfilled their obligations and payment should now be made


I assume i now send the mising Pt's template?

[Deepie]

Re: globalcrossings's UE diary

Virgin Credit card
Taken Out Nov 2002
Approx balance £6300 This is now £7500
Date last paid September 2011
Status defaulted with Link finacial
Account holder MBNA


11th Nov Received CCA
25th Nov Niddy says " 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.

6th Dec received email reminding me of arrears and to pay. ignored
12th Jan2012 received email saying i am now 3 months in arrears blah blah. ignored
20th Jan received a LETTER! telling me about 3 months in arrears and that the credit facilty has been withdrawn! IGNORING i think?
17th June Letter received. Account has now been terminated and default registered
13th Aug Letter received saying they have now sold debt to Link Financial
06th Sept First letter received from Link Financial confiming they have assigned the debt from MBNA and they are seeking recovery of full amount
7th Sept Sent sold in dispute template to link
13th Sept Received letter from link saying i have made a request for docs under sec77/78 for variuos docs, and i should allow 30 days.....blah blah
13th Oct Link have sent the same cca i had from mbna, they say they have fullfilled their obligations and payment should now be made


I assume i now send the mising Pt's template?

..............I would

[GlobalC]

Re: globalcrossings's UE diary

Virgin Credit card
Taken Out Nov 2002
Approx balance £6300 This is now £7500
Date last paid September 2011
Status defaulted with Link finacial
Account holder MBNA


11th Nov Received CCA
25th Nov Niddy says " 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.

6th Dec received email reminding me of arrears and to pay. ignored
12th Jan2012 received email saying i am now 3 months in arrears blah blah. ignored
20th Jan received a LETTER! telling me about 3 months in arrears and that the credit facilty has been withdrawn! IGNORING i think?
17th June Letter received. Account has now been terminated and default registered
13th Aug Letter received saying they have now sold debt to Link Financial
06th Sept First letter received from Link Financial confiming they have assigned the debt from MBNA and they are seeking recovery of full amount
7th Sept Sent sold in dispute template to link
13th Sept Received letter from link saying i have made a request for docs under sec77/78 for variuos docs, and i should allow 30 days.....blah blah
13th Oct Link have sent the same cca i had from mbna, they say they have fullfilled their obligations and payment should now be made
14th Oct Sent missing Pt's template
24th oct Received same cca with same TC's plus a bundle of the current TC's along with what looks like someone else's credit agreement from 07/07/2007 the name on it is not mine???

Any ideas what to send next guys? im alittle confused with what they have sent me...

[GlobalC]

Re: globalcrossings's UE diary

Did they actually send you SOMEONE ELSE'S agreement?

Has it got full details, i.e. name, address, employment details, etc. and they're not yours?

If so, sounds like a major DPA breach!

I have received a copy of my cca with inelgible t&c's and a set of current t&c's but i also have 8 pages of what looks like T&c's and a possible credit agreement for someone else who lives nowhere near me, which shows a lot of tick in the box pages.......very strange indeed