Pixie's UE diary

[Pixie]

Re: Pixie's UE diary

Is that a threat or a promise?

[Never-In-Doubt]

Re: Pixie's UE diary

'Got back'? If you mean from visiting my daughter I didn't even know I was going when I made that post!! Only found out yesterday if she could have the time off work.

Ok, i'll let you off! Don't do it again or i'll set Allan on you

[Pixie]

Re: Pixie's UE diary

Bloody hell, you could have waited till you got back!

'Got back'? If you mean from visiting my daughter I didn't even know I was going when I made that post!! Only found out yesterday if she could have the time off work.

[Never-In-Doubt]

Re: Pixie's UE diary

Received a letter with income and expenditure form from Newmans (Tesco credit card - UE) so that they can assess an affordable payment plan for me.

Will ignore.

Yep, just ignore

[Never-In-Doubt]

Re: Pixie's UE diary

Letter from Arrow Global (MBNA credit card) telling me to take them to court (I think)!

"We note you contend the copy agreement provided is unenforceable. We do not agree with your interpretation of the statute. We believe the agreement complies with the statute and we intend to pursue payment of the debt. You have remedy available to you by way of applying to the court for the appropriate declaration. In the absence of any such decalration and/or notice of application for the same, we will pusue the action previously advised, if any.

In the absence of any further dispute, please now contact us to arrange a suitable repayment plan. Failure to do so may lead to your account being placed with an external debt collection agency. Please be aware that we may have to consider litigation in recovery of the balance owed if we are unable to agree an appropriate repayment plan"

Is this their way of referring to Carey?

I note the second paragraph contains that little word 'may'.

Whatever, I'm going to ignore it and see what they come up with next.

Its standard, basically they are saying without you having a letter from the courts confirming it is irredeemably unenforceable, they will treat it as being enforceable and will pursue it based on those facts.

Just ignore....

[Never-In-Doubt]

Re: Pixie's UE diary

Reply from LTSB 'specialist department.' Basically takes 2 pages to say that they don't agree that it's UE and, even if it was, I am still legally obliged to pay the money. Also say that, as I've used the card and repaid on multiple occasions, I've acknowledged that the agreemnt is valid and enforceable.

I will ignore the letter.

This is normal from Lloyds - yep, ignore for now....

[Never-In-Doubt]

Re: Pixie's UE diary

3 letters received today:

Bloody hell, you could have waited till you got back!

[Pixie]

Re: Pixie's UE diary

Received a letter with income and expenditure form from Newmans (Tesco credit card - UE) so that they can assess an affordable payment plan for me.

Will ignore.

[Pixie]

Re: Pixie's UE diary

Letter from Arrow Global (MBNA credit card) telling me to take them to court (I think)!

"We note you contend the copy agreement provided is unenforceable. We do not agree with your interpretation of the statute. We believe the agreement complies with the statute and we intend to pursue payment of the debt. You have remedy available to you by way of applying to the court for the appropriate declaration. In the absence of any such decalration and/or notice of application for the same, we will pusue the action previously advised, if any.

In the absence of any further dispute, please now contact us to arrange a suitable repayment plan. Failure to do so may lead to your account being placed with an external debt collection agency. Please be aware that we may have to consider litigation in recovery of the balance owed if we are unable to agree an appropriate repayment plan"

Is this their way of referring to Carey?

I note the second paragraph contains that little word 'may'.

Whatever, I'm going to ignore it and see what they come up with next.

[Pixie]

Re: Pixie's UE diary

Reply from LTSB 'specialist department.' Basically takes 2 pages to say that they don't agree that it's UE and, even if it was, I am still legally obliged to pay the money. Also say that, as I've used the card and repaid on multiple occasions, I've acknowledged that the agreemnt is valid and enforceable.

I will ignore the letter.

[Pixie]

Re: Pixie's UE diary

3 letters received today:

Moorcroft re Barclaycard (UE) - acknowledging receipt of correspondence. Account put on hold while they investigate.

LTSB (UE) - they've received my complaint (ie copy of account in dispute letter from MHA Collections) and giving me a phone number for a Customer Relations Department which specialises in complaints like mine. I wonder if they have a special department for Niddified complaints?

Fredricksons re Capital One (UE) - they are instructed to organise an arrangement for payment and I must contact them immediately so that an amicable agreement can be set in place and to prevent their client from taking any further action.

Going to ignore them all

[Never-In-Doubt]

Re: Pixie's UE diary

Go on to say that when replying I should include my contact number so that they can discuss my proposed offer with me.
1) I'm not going to be replying
2) I'm not going to propose an offer (or not one I could put on a public forum)
3) They aint getting my phone number!

So I guess you're ignoring them then?

[Pixie]

Re: Pixie's UE diary

I sent MHA Collections (LTSB card) an 'account sold while in dispute' letter in March and received a reply yesterday.

They have passed a copy to LTSB who have already had the cca query letter.

They also say that if I want to talk to them about the account then 'please feel free to call us on ...'

Go on to say that when replying I should include my contact number so that they can discuss my proposed offer with me.
1) I'm not going to be replying
2) I'm not going to propose an offer (or not one I could put on a public forum)
3) They aint getting my phone number!

[Never-In-Doubt]

Re: Pixie's UE diary

Letter from Fredricksons re Capital One (UE) saying that, despite having been given a number of opportunities, I have failed to bring my account up to date and they intend to advise Capital One to refer the matter for further enforcement. Ultimately, if no payment is made, legal action may be taken against me to recover the debt.

Will ignore as FPC have already been informed that Capital One have failed to comply with s78.

Yea, see what legal action they want to take! Or not, as the case may well be!

[Pixie]

Re: Pixie's UE diary

Letter from Fredricksons re Capital One (UE) saying that, despite having been given a number of opportunities, I have failed to bring my account up to date and they intend to advise Capital One to refer the matter for further enforcemen. Ultimately, if no payment is made, legal action may be taken against me to recover the debt.

Will ignore as FPC have already been informed that Capital One have failed to comply with s78.