MattyA UE Diary

[MattyA]

Re: MattyA UE Diary

Thanks

[MustGetStraigh]

Re: MattyA UE Diary

Morning matey

Well done - this is now finished! They have confirmed it is UE by way of that letter, it is NOT enforceable - although yea, they can (and will) hassle you - but so what! Basically, if anyone writes about this debt again, you photocopy that letter (so keep it safe - very safe!) and send it with one of these: ---> CCA Query - Letter Previously Confirming No CCA

I suspect a little drinky is in order - great news Matty!

[MattyA]

Re: MattyA UE Diary

Had a letter back from M&S re this saying that they have complied with my CCA request,that they have provided the agreement along with the terms and conditions and that it is enforceable.They go on to say that their normal collections will continue.
Just igmore for now?
I will have to deal with this one at some point - when is the best time after receipt of court papers ?

Thanks

Matty

Morning Boss - any views on this one?
Thanks in advance as always,
Matty

[Never-In-Doubt]

Re: MattyA UE Diary

Had a letter back from M&S re this saying that they have complied with my CCA request,that they have provided the agreement along with the terms and conditions and that it is enforceable.They go on to say that their normal collections will continue.
Just igmore for now?
I will have to deal with this one at some point - when is the best time after receipt of court papers ?

Thanks

Matty

You've not had court papers have you?

Send this back: ---> Enough is Enough Template

[MattyA]

Re: MattyA UE Diary

You've not had court papers have you?

Send this back: ---> Enough is Enough Template

Thanks Niddy.
No court papers yet which surprises me as it has been going on since last July - they must be really p****ed off with me by now,as the account is enforceable.
I will keep on stalling and send off the letter above......its just knowing when the right time has come to throw the towel in and try to agree a payment plan.


PS Hope you and your family have a great holiday - you deserve it !

Thanks again,

Matty

[MustGetStraigh]

Re: MattyA UE Diary

Thanks Niddy.
No court papers yet which surprises me as it has been going on since last July - they must be really p****ed off with me by now,as the account is enforceable.
I will keep on stalling and send off the letter above......its just knowing when the right time has come to throw the towel in and try to agree a payment plan.


PS Hope you and your family have a great holiday - you deserve it !

Thanks again,

Matty

Hi Matty
I'm in a similar situation with an enforceable M&S card, was paying £60/month (owe about £2800) and can't afford to increase it at the moment, however the DCA are demanding an increase. I don't know how long they will keep accepting moderate payments for, before they just go for the jugular.
I comfort myself it's not MBNA, they seem very Court-happy
Will be watching your thread. Fingers crossed!

[MattyA]

Re: MattyA UE Diary

Hi Matty
I'm in a similar situation with an enforceable M&S card, was paying £60/month (owe about £2800) and can't afford to increase it at the moment, however the DCA are demanding an increase. I don't know how long they will keep accepting moderate payments for, before they just go for the jugular.
I comfort myself it's not MBNA, they seem very Court-happy
Will be watching your thread. Fingers crossed!

Thanks MGS.
Funny you should mention MBNA - I have 3 accounts with them( all deemed UE) and they have been very quite up until yesterday.
I received a letter from Debt Clear Recoveries & Investigations Ltd demanding that I settle the outstanding amount on 1 of the accounts.( smallest balance).

They are going to get the 'sold whilst in dispute' letter & so the process starts all over again.

Has anyone heard of this lot ? - I have not heard from them before.

Matty

[MustGetStraigh]

Re: MattyA UE Diary

Thanks MGS.
Funny you should mention MBNA - I have 3 accounts with them( all deemed UE) and they have been very quite up until yesterday.
I received a letter from Debt Clear Recoveries & Investigations Ltd demanding that I settle the outstanding amount on 1 of the accounts.( smallest balance).

They are going to get the 'sold whilst in dispute' letter & so the process starts all over again.

Has anyone heard of this lot ? - I have not heard from them before.

Matty

They ring a bell I'm sure I've had something from them. Will have a trawl through my files.

[jet set willy]

Re: MattyA UE Diary

Hi There Matty,

This is my first post and just thought i would wish you well after going through your mammoth thread lol. I looked in mostly as i have an mbna card in dispute too and it is an ex- A&L one just like yours. They say they cant currently comply with my cca request either. I will post up my own diary this week, it seems a really friendly place.

GOOD LUCK :-)

[Never-In-Doubt]

Re: MattyA UE Diary

They are going to get the 'sold whilst in dispute' letter & so the process starts all over again.

Has anyone heard of this lot ? - I have not heard from them before.

Matty

Just send off the sold in dispute template and see what happens...... yes, they are a normal circuit DCA - they're not new by a long shot, and act as bad as the others as well......

Click this for a funny read of how they tried to take action for an £800 debt!

[MattyA]

Re: MattyA UE Diary

Hi There Matty,

This is my first post and just thought i would wish you well after going through your mammoth thread lol. I looked in mostly as i have an mbna card in dispute too and it is an ex- A&L one just like yours. They say they cant currently comply with my cca request either. I will post up my own diary this week, it seems a really friendly place.

GOOD LUCK :-)

Thanks Jetset & good luck in your quest!
It will be a long and winding road with plenty of ups and downs - but one thing for sure is that you will get all the help and support you need to get you through.
It wont be easy, but stick with it,believe and you will get there eventually.
Matty

PS Them not being able to comply with your CCA request is a good start.

[MattyA]

Re: MattyA UE Diary

Just send off the sold in dispute template and see what happens...... yes, they are a normal circuit DCA - they're not new by a long shot, and act as bad as the others as well......

Click this for a funny read of how they tried to take action for an £800 debt!

Thanks - will send off today.

I have read the link and they dont sound the best do they....

Here we go agian

[Never-In-Doubt]

Re: MattyA UE Diary

Round 477

ding ding!

[MattyA]

Re: MattyA UE Diary

Morning all.
Had another letter from Tri-it-on.They seem to ignore everything put before them.
Have others had similar experiences?
I have sent them the 'sold in dispute' and 'threat of legal action' templates and their latest response is that they have recomended that their client commences legal proceedings.
I am now going to send off the 'enough is enough ' template and see what that brings.
(FYI - account deemed UE by his Nidship and all they have sent,to date,is copies of terms and conditions allegedly from the time the account was opened - late 90's.)
Matty

[MrsD]

Re: MattyA UE Diary

its what I would do Matty, sounds as if their printer just automatically churns out all this rubbish!
keep us posted!!