Monopoly's UE Diary

[Never-In-Doubt]

Re: Monopoly's UE Diary

Company: HSBC (MasterCard)
Type: Credit Card
Date Commenced: 03/2007
Approx. Balance: 6,000
Date Last Paid: 2008
Arrangement: Yes
Status: Default 11/2008
Account Owner: HSBC MasterCard

Activity

30/09 CCA Request sent

This is enforceable i'm afraid, probably best to try and blag it and see what happens but in time you will have to repay this if they take formal action (ccj).....

If you want to blag it, respond with this and see what happens :---> CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Monopoly's UE Diary

Company: Royal Bank of Scotland (Mint)
Type: Credit Card
Date Commenced: 04/1996
Approx. Balance: 7,000
Date Last Paid: 2008
Arrangement: Yes
Status: Default 09/2007
Account Owner: Bryan Carter & Co Solicitors

Activity

20/09 Sent CCA request
23/09 Received letter saying they were unable to provide this information and that I should request it from their client RBS
23/09 Sent CCA request declined template letter

This is enforceable, however as above i'd be prone to try and blag it for now - if so, then respond with the following: ---> CCA Query - Missing Prescribed Terms

[monopoly]

Application or Agreement

Hi all

I have been looking through what has been coming back to me over the last few months and have been wondering if anybody knows if an application form can be considered an agreement if it has all the prescribed terms but says application form on it.

In other words if it says application form can it be an agreement as well. Most of the documents I have back from CCA requests say application form and then underneath it says in smaller writing credit agreement regulated by the consumer credit act 1974. Anybody know?

Cheers

Monopoly

[Deepie]

Re: Monopoly's UE Diary

- Sending your Agreement to Niddy
Best let Niddy have a look

[Never-In-Doubt]

Re: Application or Agreement

Hi all

I have been looking through what has been coming back to me over the last few months and have been wondering if anybody knows if an application form can be considered an agreement if it has all the prescribed terms but says application form on it.

In other words if it says application form can it be an agreement as well. Most of the documents I have back from CCA requests say application form and then underneath it says in smaller writing credit agreement regulated by the consumer credit act 1974. Anybody know?

Cheers

Monopoly

Please send me a copy or upload here (totally secure) ---> allaboutFORUMS

To email me, use the link below in my siggy called "email your CCA"

[monopoly]

Re: Update Barclaycard Goldfish

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

20/09/2010 CCA Request sent
08/10/2010 Recieved letter of acknowledgement that they are dealing with request
14/03/2011 Recieved goldfish terms and conditions along with an explanation of the CCA that made no sense at all

Now declared unenforcable Yeay

10/07/2011 Recieved threat of intended litigation and responded with threat of litigation template letter.

Lets see what happens next!!!

[Never-In-Doubt]

Re: Monopoly's UE Diary

Best of luck

[Riz]

Re: Statutory Demand Recieved

Statutory Demand Under section Section 268(1)(a) of the Insolvency Act 1986.
Debt for Liquidated Sum Payable Immediately.

As a presumably real action, I'll move the following posts to the legal section. Please respond there.

>>> LINK <<<

[monopoly]

Re: Update on Barclaycard (Goldfish)

Damn! Barclaycard seem to have found my agreement question is does it comply? Guess will have to wait till niddy returns to take a look.

UPDATE

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

20/09/2010 CCA Request sent
08/10/2010 Recieved letter of acknowledgement that they are dealing with request
14/03/2011 Recieved goldfish terms and conditions along with an explanation of the CCA that made no sense at all

Now declared unenforcable Yeay

10/07/2011 Recieved threat of intended litigation and responded with threat of litigation template letter.
02/09/2011 Recived signed agreement from barclaycard clearly states its an application at the top but have no idea whether it complies or not. Will send to niddy on his return.

Notso Yeay

[monopoly]

UPDATE: Barclaycard Platinum

UPDATE

Still not recieved any agreement, also looks like barclaycard transfered the debt whist the CCA was outstanding. Another wierd thing is that cabot sent a default notice out and also whilst CCA was outstanding. Do I just sit back on this one?

Company: Barclaycard (Platinum)
Type: Credit Card
Date Commenced: 05/2003
Approx. Balance: 7,000
Date Last Paid: 2008
Arrangement: Yes
Status: Satisfactory Special Arrangement 07/2008
Account Owner: Barclaycard

Activity

Sep/10 CCA Request sent
Oct/10 Recieved letter of acknowledgement that they are dealing with request
Jan/11 Recieved notification of transfer of debt to Cabot Financial
Aug/11 Recieved default notice from cabot financial.
Sep/11 Numerous pay or we take you to court notices.

[Deepie]

Re: UPDATE: Barclaycard Platinum

UPDATE

Still not recieved any agreement, also looks like barclaycard transfered the debt whist the CCA was outstanding. Another wierd thing is that cabot sent a default notice out and also whilst CCA was outstanding. Do I just sit back on this one?

Company: Barclaycard (Platinum)
Type: Credit Card
Date Commenced: 05/2003
Approx. Balance: 7,000
Date Last Paid: 2008
Arrangement: Yes
Status: Satisfactory Special Arrangement 07/2008
Account Owner: Barclaycard

Activity

Sep/10 CCA Request sent
Oct/10 Recieved letter of acknowledgement that they are dealing with request
Jan/11 Recieved notification of transfer of debt to Cabot Financial
Aug/11 Recieved default notice from cabot financial.
Sep/11 Numerous pay or we take you to court notices.

I would send this > Account Sold whilst in Dispute

[monopoly]

Re: Litigation Warning and Agreement recieved

Looks like Barclaycard have found my Goldfish Application form was wondering if this is regarded as the agreement.

Also have recieved Litigation warning from Midas any ideas on what to do next, have just sent Niddy the application and litigation letter.

UPDATE

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

20/09/2010 CCA Request sent
08/10/2010 Recieved letter of acknowledgement that they are dealing with request
14/03/2011 Recieved goldfish terms and conditions along with an explanation of the CCA that made no sense at all

Now declared unenforcable Yeay

10/07/2011 Recieved threat of intended litigation and responded with threat of litigation template letter.
02/09/2011 Recived signed agreement from barclaycard clearly states its an application at the top but have no idea whether it complies or not. Will send to niddy on his return.

Notso Yeay

18/10/2011 Recieved Litigation warning.

Next step ???

[monopoly]

Update

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

Mar/11 Application form recieved letter sent
May/11 Recieved notification that account was sold
Sep/11 Recieved default notice from AK new owners ??
Nov/11 Sent account sold whilst in dispute letter

[Never-In-Doubt]

Re: Litigation Warning and Agreement recieved

Looks like Barclaycard have found my Goldfish Application form was wondering if this is regarded as the agreement.

Also have recieved Litigation warning from Midas any ideas on what to do next, have just sent Niddy the application and litigation letter.

UPDATE

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

20/09/2010 CCA Request sent
08/10/2010 Recieved letter of acknowledgement that they are dealing with request
14/03/2011 Recieved goldfish terms and conditions along with an explanation of the CCA that made no sense at all

Now declared unenforcable Yeay

10/07/2011 Recieved threat of intended litigation and responded with threat of litigation template letter.
02/09/2011 Recived signed agreement from barclaycard clearly states its an application at the top but have no idea whether it complies or not. Will send to niddy on his return.

Notso Yeay

18/10/2011 Recieved Litigation warning.

Next step ???

Ok, this is now enforceable as they've sent the actual agreement with the actual terms, what a bugger

However for now I would be inclined to blag it a bit further, ergo you now need to decide whether to capitulate and make a monthly / F&F offer or whether to stand firm and see what they do next?

You've not paid in 3 years, so it's a gamble - do you own your own house?

[monopoly]

Re: Monopoly's UE Diary

UPDATE

Company: The Co Operative Bank (Smile)
Type: Credit Card
Date Commenced: 09/2002
Approx. Balance: 7,000
Date Last Paid: 2008
Arrangement: Yes
Status: Default 05/2009
Account Owner: Red Castle Recoveries

Activity

Sep/2010 Sent CCA request
Sep/2010 Received acknowledgement of request and that they have requested it from their client the Co Operative Bank
Oct/2011 Recieved SD
Nov/2011 SD set aside
Nov/2011 Agreement recieved (Major parts unreadable)