Pixie's UE diary

[Never-In-Doubt]

Re: Pixie's UE diary

This is the update:

Marks and Spencer

October Final Demand received, for full payment of balance or they'll get the dcas in and give me a default. I've to ring them within 48 hours to agree repayment of the debt.

Thanks, just ignore them cos you're blagging it anyway. You'll need to start thinking about whether you'll settle for a F&F or a monthly repayment if they decide to pursue things..... they won't yet but still, you do need to think what you want to do with any enforceable accounts......

[Pixie]

Re: Pixie's UE diary

Update

Lloyds TSB - standard letter - ignore?

Capital One - cca (letter dated before the last letter saying they needed more time to look into it!) plus pages of T&Cs. Emailed to Niddy.

[Never-In-Doubt]

Re: Pixie's UE diary

UpdateCapital One - cca (letter dated before the last letter saying they needed more time to look into it!) plus pages of T&Cs. Emailed to Niddy.

Hiya, i've emailed you - they say they have sent an agreement but there isn't one.... unless you forgot to attach it then respond with this: ---> viewtopic.php?p=1623#p1623

If you forgot to attach it then please ignore the above and re-send it me. Thanks. 2

[Pixie]

Re: Pixie's UE diary

Hi Niddy
I've emailed you (I [size=5]thought I'd attached it before ;Red )

[Never-In-Doubt]

Re: Pixie's UE diary

Hiya

You'd respond with this: ---> viewtopic.php?p=1629#p1629

* This has the latest OFT guidance issued Friday within it as well...... so it's bang upto date.

[Pixie]

Re: Pixie's UE diary

Thanks Niddy. I'll get that posted.
So it's UE?

[Never-In-Doubt]

Re: Pixie's UE diary

Thanks Niddy. I'll get that posted.
So it's UE?

Yep - its an application form with no prescribed terms and not linked to any either, within the signatory fields...... You could have agreed to anything!

[Pixie]

Re: Pixie's UE diary

Update to Barclaycard - will send 'account sold while in dispute' letter once I've got the job interviews out of the way (though I know it's still part of Barclaycard/Mercers.)

[Never-In-Doubt]

Re: Pixie's UE diary

Update to Barclaycard - will send 'account sold while in dispute' letter once I've got the job interviews out of the way (though I know it's still part of Barclaycard/Mercers.)

What is the update? Was it this:

October letter from Calder - pay in full within 7 days

If so then yep, send the new account sold template - here: ---> viewtopic.php?p=20203#p20203

[Pixie]

Re: Pixie's UE diary

I think the ccs have been saving up their letters, I got 5 today (well, 4 letters and a statement.)

They're just general letters though - "you have responded to our attempts to contact you", "we may default you", "if you don't pay in full, we may sell your account to a dca" etc. One even sent a direct debit form so that I can set one up to pay my credit card. Yeah right - it's unenforceable!

I've also been getting several phone calls which I am ignoring (going to get rid of landline soon as hardly use it anyway.) I find it funny when they leave messages such as "it is imperative that you call us back by 9pm tonight." Why? Is the world going to end? Are they going to drop a bomb on my house?

[Pixie]

Re: Pixie's UE diary

Letter received from Arrow Global/Westcot.

Presumably I send the 'account sold while in dispute' letter?

[Never-In-Doubt]

Re: Pixie's UE diary

Hiya yes send that to arrow..

[Pixie]

Re: Pixie's UE diary

Thanks

[Never-In-Doubt]

Re: Pixie's UE diary

Hiya

Regards to your email re M&S - no action necessary. Please resend the agreement and terms so I can clarify this for you - sorry, my mind hasn't been properly on the job lately so will recheck it for you to confirm one way or another...

[Pixie]

Re: Pixie's UE diary

Hi

Emailed you the M&S agreement again, though I think it will still be enforceable.

I've read the posts on Matty's and Slug's diaries about M&S not hanging around. ;EEK For once, I'm grateful that I no longer own my own house...

Don't worry about not getting back to me sooner. I know you've had a lot on your plate k