MattyA UE Diary

[MattyA]

Re: MattyA UE Diary

Marlin are wankers mate. They lie to the court, the lot. They have one silly bint running things called Denise McClean who is clueless.

They take people to court, yes, but they lie & cheat daily. Easy to beat due to their lies but they are nasty too. Maybe not so much now they don't use Rectums who are just as bad.

* defamation act - I have evidence of the above

Cheers Boss.....I thought as much and have had / still have an ongoing battle with rectums which Andrew is looking after and has tied up in knots for the past couple of years.

I guess I will have to wait and see what they come up with.

Matty

'silly bint' love it.....haha , nothing has changed!

[MattyA]

Re: MattyA UE Diary

Evening all,

Hope everyone is well.

Quick update re my Mbna accounts and Arrow.

1 of my 3 accounts (previously deemed UE my his godship) has been being chased over the past few months via Rockwelll.
They have had the usual sold in dispute and cca request letters etc

After some months they have come back with a copy of a couple of statements and a copy of a signed 'Acceptance form' dating back to 1997.

Not sure what to reply with , but was thinking along the lines of no cca received.....?

Not sure if this is correct as I cant view the templates for some reason - Have you fell out with me boss?

Matty

[Deepie]

Re: MattyA UE Diary

Have read here----->Accessing Our New Templates

[MattyA]

Re: MattyA UE Diary

Thanks Deepie - I have not been on here for a while so missed this change.
Matty

[MattyA]

Re: MattyA UE Diary

Evening all,
Quick update on this MBNA account as per the above post.
They have had all the templates and I have now had a response, which they say is their final one and that they wont enter into any more correspondence on the matter and ask me for my proposals to clear the debt.
I have heard it all before from other DCA's but I have not dealt with this mob before so could do with a bit of advice please on how best to respond.
They seem to be relying on the 'acceptance slip' as mentioned in my previous post and that they can only conclude that I have acknowledged the debt.
They draw my 'attention to section 60-(1) (b) whereby it states:
The amount and rate of the total charge for credit (in the case of a credit agreement),
THis is not applicable to a credit card agreement as a credit card is a variable form of credit and therefore, the document is unable to stipulate the total charge for credit unlike a loan which would have a fixed term loan and amount,'
They go on to say:
'Turning our attention to section61-(1)(a) whereby the act advised on the form itself should be signed by both the debtor and the creditor, whilst a signature of the creditor is not present on the agreement provided to you;this may be a copy of the document when it was first signed by you and scanned to our clients systems. The lenders signature may have been added at any time prior to the facility being granted. Furthermore , the agreement was signed by yourself, agreeing to terms and conditions also supplied to you.The card facility was issued to you and used by you. Given this , I cannot agree with your comments and can only conclude you have acknowledged the debt'


All they have provided thus far , is a copy of the acceptance slip , which does refer to t's & c's and a couple of statements , No T's &C's or application form with T's & C's on it.


THis card goes back to the late 80's and if my memory serves me right , I didn't have to apply for it , they sent it to me as I already had another card with them.


Any ideas / have they got me with the signed acceptance slip?


Final wriggle would be PPI, I have had 2 claims with them on other accounts (not this one) both of which have been settled but under the proviso that they calculated the redress properly and in accordance with the FOS guidelines - Recent writings in the press seem to conclude otherwise.


Or do I just hit em with the enough is enough template ?


Thanks in anticipation as ever, sorry for mithering you and keep up the outstanding work.


Matty




PS - They go on to say that if I am not happy with their response , I should refer it to the ombudsman or speak to my local CAB etc etc.

[Never-In-Doubt]

Re: MattyA UE Diary

I'd ignore this one mate. See what's next

[MattyA]

Re: MattyA UE Diary

Oki Doki - Will do.

Cheers Boss

[MattyA]

Re: MattyA UE Diary

Looks like Arrow have re-shuffled the pack again.
I have now had a letter from them saying that my other MBNA account has been moved to scotcall - will wait for them to contact me and then start the process all over again.
Matty.

[Pixie]

Re: MattyA UE Diary

Only another couple of years of pack shuffling Matty

[nanna58]

Re: MattyA UE Diary

Round and round Matty xx

[MattyA]

Re: MattyA UE Diary

Only another couple of years of pack shuffling Matty

Indeedy Pixie - lets hope thats all it amounts to

- - - Updated - - -

And round some more Nanna

[MattyA]

Re: MattyA UE Diary

Morning all,

Quick update:

TSB M Card deemed UE by the boss and not paid since July 2010.

This account as the others has done the rounds with the DCA's the latest being Marlin who picked up late last year.
Had the usual template ping pong then didnt hear anything for a while.
Received a 'statement of account yesterday for the last 6 months detailing the opening and closing account balance.
No threats / pay up or else etc.
Final line says ' this is not a demand for immediate payment and the closing balance does not represent a settlement quotation'
Anyone else had one of these?
I wasn't going to respond and just file it , but then the cynic in me kicks in and wonders if it is the start of a set up ?

Cheers,

Matty

[MrsD]

Re: MattyA UE Diary

they've got to send these so they do, nothing to really worry about at the moment. We've got a few from Marlin and still holding them at bay.

I would wait and see what happens next and with any luck at all, it won't be much!

[Enforcer]

Re: MattyA UE Diary

Had exactly the same. Posted on forum yesterday. Will file and wait for next one in 6 months time.

[Pixie]

Re: MattyA UE Diary

Marlin have my M&S account. When they took it over I thought Oh f*ck! But nothing much has happened...I got the same letter as you back in October...

2013
March Letter from M&S saying they have sold my account to Marlin Europe Limited
March Letter from Marlin (in same envelope as M&S letter) saying they are now the owners of the account and to contact them in the next 5 days
March Sent 'Account Sold while in Dispute' to Marlin
March Received reply from Marlin saying they are not considering legal action at the moment and are getting in touch with M&S for further information.
October Statement of Account from Marlin filed