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This is a repost of my last update on the previous site.....not a lot has changed since then,still getting the phone calls & letters most of which are being filed...but out of today's offerings from the postman there are 2 letters which I could do with a bit of advice / help with...I will do a seperate post for each of them.
Last update as of 22/08/2010.
After reading through the mail awaiting me on my return from holiday, below is a summary of what I received & where I am (or at least think I am) with each of my accounts.
Hopefully this will bring some order to my thread and help to make the current position with each account clear(er) – without annoying Niddy further.
Apologies in advance Niddy if I have put too much info down....here goes anyway.
Amex Credit card
1 account balance £3K
Account previously advised by Niddy as UE.
Letter asking for details of my incomings / outgoings etc c/w copies of wage slips, receipts etc to prove and making me aware that they have formed a specialist programme - R£gain to help assess & organise my finances to help me meet my commitments.
I will ignore & file this.
Barclaycard Visa & MasterCard
2 accounts total balance £22K- again both previously advised as UE by Niddy.
Statements sent for both accounts applying further charges (PPI even though I have written asking them to cancel it) telling me that the account is 2 months overdue and I may be issued with a default notice.
I will file these.
BOS Visa & Mastercard
2 accounts total balance £17.5K - again both previously advised as UE by Niddy.
Another letter telling me that they will be calling my home on 24-08-2010 – No one came last time as far as I am aware & I have changed the phone number so they can’t ring me.
I will ignore & file this.
Another letter advising me of missed payment etc.....
I will ignore & file this.
Default notice also issued for one of the accounts advising if I pay up before the date shown no further action will be taken.
I will ignore & file this.
Halifax Visa
1 account – balance £15K previously advised by Niddy as UE.
Latest statement received c/w with further interest & charges applied along with another letter advising me of missed payment etc.....
Also received a letter in response to my letter telling them that they have not complied with my request to send me a true copy of my executed credit agreement – They disagree & confirm that they have supplied a ‘copy of the agreement complying with section 78 ‘ etc and they do not agree with my complaint.
No threat of action etc – I will ignore & file for now?
Citi Visa
1 account – balance £10K
Weird one this one.
CCA’d em at the same time as everybody else – no response to date.
Received a letter telling me I have missed payments etc along with a copy of the latest statement for this account with further charges & interest applied.
Time to send them a CCA reminder or sit tight & wait?
COOP Visa
1 account – balance £12.5K - previously advised as UE by Niddy
Default notice received along with a copy of the latest statement for this account with further charges & interest applied.
Default notice also states that if I pay up before the date shown no further action will be taken.
I will ignore & file this.
HFC –GM Card
Another weird one - CCA’d em at the same time as everybody else – no response to date.
1 account – balance £9.5K
2 letters received
One marked ‘without prejudice’ advising me that my account remains overdue and that ‘my account is being reviewed to determine an appropriate course of action to recover the balance’.
2nd letter - default notice again if I pay up before the date shown no further action will be taken.
I will ignore & file these.
LTSB
2 Accounts 1 visa / 1 MasterCard total balance £10.5K
Same ‘Final Response’ letter received as for other account.
Will do the same as previously advised – ignore as UE and they can’t find a copy of the original agreement.
Copies of the latest statement for these accounts received with further charges & interest applied.
MBNA
3 accounts 2 visa (1 Visa ex A&L) 1 MasterCard total balance £17K
MBNA Visa & MasterCard previously advised as UE by Niddy – A&L have asked for more time to look for CCA.
1 letter per account received apologising for the delay in responding to me & telling me that they will respond by 13/09/2010.
Not sure which letter they are responding to as they don’t say & I have sent them a few – so will do nothing for now & wait to see what comes.
Also received latest statements with further charges & interest applied, along with letters telling me I have missed payments etc on the accounts.
These I will file with the rest.
Mint
1 account Mastercard £10K balance
Another letter received telling me my account is in arrears etc.
As they have stated that my account is UE I will ignore & file.
M&S Money
1 account Mastercard £6K balance
Previously advised by Niddy as Enforceable & therefore trying to blag for the time being.
3 letters received
No1 in response to the CCA received basically saying that they have complied & that they believe the agreement to be legally enforceable.
No2 in response to my telephone harassment letter also stating that they can ring my HOME in compliance with the law – this point doesn’t bother me as I have changed the number.
They do not mention ringing my place of work which is what the complaint was about!
They also included an income expenses form for me to fill in to enable them to assess / look into a payment plan.
Ignore for now?
No3 – Default notice – this one worries me as it says I have 14 days to bring my account up to date from 11/08/2010 or they will demand the full outstanding balance.
Do I need to do anything as yet? How long does the process take?
I certainly haven’t got the money to pay the account in full £6K
NatWest Visa
1 account £9.5K balance - previously advised as UE by Niddy.
Latest statement received along with a notice of missed payments & default sums etc.
No threat of any action etc for now so will file & ignore for now.
Last update as of 22/08/2010.
After reading through the mail awaiting me on my return from holiday, below is a summary of what I received & where I am (or at least think I am) with each of my accounts.
Hopefully this will bring some order to my thread and help to make the current position with each account clear(er) – without annoying Niddy further.
Apologies in advance Niddy if I have put too much info down....here goes anyway.
Amex Credit card
1 account balance £3K
Account previously advised by Niddy as UE.
Letter asking for details of my incomings / outgoings etc c/w copies of wage slips, receipts etc to prove and making me aware that they have formed a specialist programme - R£gain to help assess & organise my finances to help me meet my commitments.
I will ignore & file this.
Barclaycard Visa & MasterCard
2 accounts total balance £22K- again both previously advised as UE by Niddy.
Statements sent for both accounts applying further charges (PPI even though I have written asking them to cancel it) telling me that the account is 2 months overdue and I may be issued with a default notice.
I will file these.
BOS Visa & Mastercard
2 accounts total balance £17.5K - again both previously advised as UE by Niddy.
Another letter telling me that they will be calling my home on 24-08-2010 – No one came last time as far as I am aware & I have changed the phone number so they can’t ring me.
I will ignore & file this.
Another letter advising me of missed payment etc.....
I will ignore & file this.
Default notice also issued for one of the accounts advising if I pay up before the date shown no further action will be taken.
I will ignore & file this.
Halifax Visa
1 account – balance £15K previously advised by Niddy as UE.
Latest statement received c/w with further interest & charges applied along with another letter advising me of missed payment etc.....
Also received a letter in response to my letter telling them that they have not complied with my request to send me a true copy of my executed credit agreement – They disagree & confirm that they have supplied a ‘copy of the agreement complying with section 78 ‘ etc and they do not agree with my complaint.
No threat of action etc – I will ignore & file for now?
Citi Visa
1 account – balance £10K
Weird one this one.
CCA’d em at the same time as everybody else – no response to date.
Received a letter telling me I have missed payments etc along with a copy of the latest statement for this account with further charges & interest applied.
Time to send them a CCA reminder or sit tight & wait?
COOP Visa
1 account – balance £12.5K - previously advised as UE by Niddy
Default notice received along with a copy of the latest statement for this account with further charges & interest applied.
Default notice also states that if I pay up before the date shown no further action will be taken.
I will ignore & file this.
HFC –GM Card
Another weird one - CCA’d em at the same time as everybody else – no response to date.
1 account – balance £9.5K
2 letters received
One marked ‘without prejudice’ advising me that my account remains overdue and that ‘my account is being reviewed to determine an appropriate course of action to recover the balance’.
2nd letter - default notice again if I pay up before the date shown no further action will be taken.
I will ignore & file these.
LTSB
2 Accounts 1 visa / 1 MasterCard total balance £10.5K
Same ‘Final Response’ letter received as for other account.
Will do the same as previously advised – ignore as UE and they can’t find a copy of the original agreement.
Copies of the latest statement for these accounts received with further charges & interest applied.
MBNA
3 accounts 2 visa (1 Visa ex A&L) 1 MasterCard total balance £17K
MBNA Visa & MasterCard previously advised as UE by Niddy – A&L have asked for more time to look for CCA.
1 letter per account received apologising for the delay in responding to me & telling me that they will respond by 13/09/2010.
Not sure which letter they are responding to as they don’t say & I have sent them a few – so will do nothing for now & wait to see what comes.
Also received latest statements with further charges & interest applied, along with letters telling me I have missed payments etc on the accounts.
These I will file with the rest.
Mint
1 account Mastercard £10K balance
Another letter received telling me my account is in arrears etc.
As they have stated that my account is UE I will ignore & file.
M&S Money
1 account Mastercard £6K balance
Previously advised by Niddy as Enforceable & therefore trying to blag for the time being.
3 letters received
No1 in response to the CCA received basically saying that they have complied & that they believe the agreement to be legally enforceable.
No2 in response to my telephone harassment letter also stating that they can ring my HOME in compliance with the law – this point doesn’t bother me as I have changed the number.
They do not mention ringing my place of work which is what the complaint was about!
They also included an income expenses form for me to fill in to enable them to assess / look into a payment plan.
Ignore for now?
No3 – Default notice – this one worries me as it says I have 14 days to bring my account up to date from 11/08/2010 or they will demand the full outstanding balance.
Do I need to do anything as yet? How long does the process take?
I certainly haven’t got the money to pay the account in full £6K
NatWest Visa
1 account £9.5K balance - previously advised as UE by Niddy.
Latest statement received along with a notice of missed payments & default sums etc.
No threat of any action etc for now so will file & ignore for now.
2
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