Monopoly's UE Diary

[Never-In-Doubt]

Re: Monopoly's UE Diary

Excellent looking diary - I like y

Ok, send a CCA Request to the rest (the ones with No Action) and keep this thread updated and email me agreements to the address shown in my signature....

Niddy

[monopoly]

Re: Monopoly's UE Diary

Update

Company: MBNA (2)
Type: Credit Card
Date Commenced: 1994
Approx. Balance: 13,000
Date Last Paid: 2008
Arrangement: Yes
Status: Unknown
Account Owner: MBNA

Activity

20/09 CCA Request sent
07/10 CCA Response recieved, application form provided (Does this qualify as the agreement?)

[Never-In-Doubt]

Re: Monopoly's UE Diary

Company: MBNA (2)
07/10 CCA Response recieved, application form provided (Does this qualify as the agreement?)

Hiya, can you email me what they sent you - my live account as per my signature below, try not to blank bits out or it makes it almost impossible to advise correctly.....

[monopoly]

Re: Monopoly's UE Diary

Company: MBNA (2)
07/10 CCA Response recieved, application form provided (Does this qualify as the agreement?)

Hiya, can you email me what they sent you - my live account as per my signature below, try not to blank bits out or it makes it almost impossible to advise correctly.....

Should be in your inbox let me know if it hasn't arrived

Cheers

Monopoly

[Never-In-Doubt]

Re: Monopoly's UE Diary

Hi matey

This is a blatant application form! Respond with the following: ---> viewtopic.php?p=1629#p1629

[monopoly]

Re: Monopoly's UE Diary

Update

Company: Bank of Scotland (Halifax)
Type: Loan
Date Commenced: 01/2005
Approx. Balance: 8,000
Date Last Paid: 2008
Arrangement: Yes
Status: Default 11/2008
Account Owner: Blair Oliver and Scott Limited

Activity

30/09 CCA Request sent
13/10 Agreement recieved

[monopoly]

Re: Monopoly's UE Diary

Update

Company: Egg
Type: Credit Card
Date Commenced: Unknown but pre 04/2007
Approx. Balance: 15,000
Date Last Paid: 09/2010
Arrangement: None
Status: Up-to-Date
Account Owner: Egg

Activity

30/09 CCA Request sent
20/10 Forms/Agreement recieved and passed on to niddy

[Never-In-Doubt]

Re: Monopoly's UE Diary

Update

Company: Bank of Scotland (Halifax)
Type: Loan
Date Commenced: 01/2005
Approx. Balance: 8,000
Date Last Paid: 2008
Arrangement: Yes
Status: Default 11/2008
Account Owner: Blair Oliver and Scott Limited

Activity

30/09 CCA Request sent
13/10 Agreement recieved

This is enforceable unfortunately, it is way too recent and also does contail ALL the prescribed terms. You should either blag it or arrange repayment plan... I'm lost though, did you take PPI with this loan? It looks like you never, but hey - what do I know!

I'd be responding with this * - see what happens: ---> viewtopic.php?p=1503#p1503

* remember it is though, fully enforceable.

[Never-In-Doubt]

Re: Monopoly's UE Diary

Update

Company: Egg
Type: Credit Card
Date Commenced: Unknown but pre 04/2007
Approx. Balance: 15,000
Date Last Paid: 09/2010
Arrangement: None
Status: Up-to-Date
Account Owner: Egg

Activity

30/09 CCA Request sent
20/10 Forms/Agreement recieved and passed on to niddy

Unfortunately I do not deal with Egg agreements, however it does clearly have the same issue (approved limit, should be credit limit) - but in the meantime respond with this - see what happens: ---> viewtopic.php?p=1623#p1623

[monopoly]

Re: Monopoly's UE Diary

UPDATE

Company: Barclaycard (Cash back)
Type: Credit Card
Date Commenced: 08/2000
Approx. Balance: 6,000
Date Last Paid: 2008
Arrangement: Yes
Status: Satisfactory Special Arrangement 12/2008
Account Owner: Barclaycard

Activity

30/09 CCA Request sent
08/10 Recieved letter of acknowledgement that they are dealing with request
02/11 Recieved CCA documentation looks like an application form only

Just recieved CCA from Barclays, after a long long wait. As the signed document says application all over it and they have sent an unsigned agreement along with it I'm hoping it is blatently unenforcable. Not sure if the rules have changed as I haven't been around for a while.

[Never-In-Doubt]

Re: Monopoly's UE Diary

UPDATE

Company: Barclaycard (Cash back)
Type: Credit Card
Date Commenced: 08/2000
Approx. Balance: 6,000
Date Last Paid: 2008
Arrangement: Yes
Status: Satisfactory Special Arrangement 12/2008
Account Owner: Barclaycard

Activity

30/09 CCA Request sent
08/10 Recieved letter of acknowledgement that they are dealing with request
02/11 Recieved CCA documentation looks like an application form only

Just recieved CCA from Barclays, after a long long wait. As the signed document says application all over it and they have sent an unsigned agreement along with it I'm hoping it is blatently unenforcable. Not sure if the rules have changed as I haven't been around for a while.

I agree, it is the normal form that they send - respond with the following: ---> CCA Query - Application Form Received

[monopoly]

Re: Monopoly's UE Diary

Just reading the instructions on the application form template saying Remember to edit the bold parts of the letter and remove the parts not relevant.


When sending back the application form recieved do I include this section

For clarification, the document you sent, purporting to be a credit agreement, does not contain all of the prescribed terms as required by section 60(1) Consumer Credit Act 1974, plus you did send an application form.

In other words if the application form includes the terms can it be considered an agreement or do i send the whole form as is with the bold bits filled in.

[MrsD]

Re: Monopoly's UE Diary

Hi Monopoly

Just send Niddy's letter as it is, you need to edit in your account no and any other personal details, if Nid says its an application form that'll be what it is.

remember to sign digitally and I'd send them a bit quicker just to keep the process going along.

[Never-In-Doubt]

Re: Monopoly's UE Diary

Hiya - Just do as Mrs Dopey has stated above.....

[Never-In-Doubt]

Re: Monopoly's UE Diary

Company: Barclaycard (Goldfish)
Type: Credit Card
Date Commenced: 02/1997
Approx. Balance: 10,000
Date Last Paid: 2008
Arrangement: Yes
Status: Showing as settled on Experian 12/2005 expect this is when Barclays bought Goldfish
Account Owner: Barclaycard Mercers (Unsure)

Activity

20/09 CCA Request sent
08/10 Recieved letter of acknowledgement that they are dealing with request
?

You need to update the posts prior to emailing me agreements to check!

This is unenforceable as they have sent a set of terms only, so respond with this: ---> CCA Query - Terms & Conditions Supplied