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  • #1

    TezBournemouth UE Diary

    Hi all, here is my situation and I am looking forward to getting some help here. Thanks

    All are credit cards and were applied for previous to 2006

    1st Credit (Barclaycard) £4,729.59
    Letter asking for CCA sent 08/07/2010
    They replied acknowledging request, nothing heard since, shall I send reminder letter?

    Cap Quest (Sainsburys) £3,366.31
    As above, letter asking for CCA sent 08/07/2010
    Replied acknowledging request, nothing heard since, shall I send reminder letter?

    Mint approx £3,000
    Account is in default, no payments or contact from Mint or third party for about two years, what shall I do on this one?

    Tesco approx £2,000
    Account is in default, no payments or contact from Tesco finance or third party for about two years, what shall I do on this one?

    Lloyds approx £1,000
    Account is in default, no payments or contact from Llyods or third party for about two years, what shall I do on this one?

    Halifax approx £3,000
    Account is in default, no payments or contact from Halifax or third party for about two years, what shall I do on this one?

    Thank you in advance
    Tags: 1st, 1st credit, account, accounts, act, address, addresses, application form, barclaycard, cap, capquest, cca, con, credit, credit cards, debt, debts, default, halifax, lenders, letter, lloyds, niddy, on hold, pay, payments, quality, statute, statute barred, stop, thank you, ue diary, unenforceable
  • #2
    Re: TezBournemouth UE Diary

    Hiya

    Ignore the last 4 - lets hope they hit statute barred before any more contact.... regards the top 2, they are UE until such time the lender does comply so do not chase them - just ignore them as well for the moment and obviously stop any payments..

    If you happen to know the default dates, can you post them next to each account... cheers ;-)
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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    • #3
      Re: TezBournemouth UE Diary

      Thank you for the reply.

      With regards to the default dates can I get those from my credit file?

      Thanks

      Comment

      • #4
        Re: TezBournemouth UE Diary

        you can indeed - see here: ---> viewtopic.php?p=158#p158
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #5
          Re: TezBournemouth UE Diary

          Hi Niddy

          Just to let you know I have sent you a scanned copy of an agrement I have had from CapQuest for you to look over at you convienience. (to your @live account)

          Thanks

          Comment

          • #6
            Re: TezBournemouth UE Diary

            Originally posted by TezBournemouth
            Hi Niddy

            Just to let you know I have sent you a scanned copy of an agrement I have had from CapQuest for you to look over at you convienience. (to your @live account)

            Thanks
            Hiya

            This is an application form, not a CCA - respond in kind: ---> viewtopic.php?p=1629#p1629

            This is unenforceable :UE
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #7
              Re: TezBournemouth UE Diary

              Thanks very much Niddy, will keep you posted

              Comment

              • #8
                Re: TezBournemouth UE Diary

                Hi Niddy, I sent off the letter as you instucted to Capquest the other day and got this reply..

                'We thank you for your recent correspondence which has referred to the compliance department.
                A quality assurance officer will respond to your queries in due course and we confirm that your account will remain on hold whilst this mater is being investigated. '

                Do I sit tight and wait for a reply?

                Also I am moving house soon, do I contact them to inform that I have a new address?

                Thank you!

                Comment

                • #9
                  Re: TezBournemouth UE Diary

                  Originally posted by TezBournemouth
                  Hi Niddy, I sent off the letter as you instucted to Capquest the other day and got this reply..

                  ''We thank you for your recent correspondence which has referred to the compliance department.
                  A quality assurance officer will respond to your queries in due course and we confirm that your account will remain on hold whilst this mater is being investigated. ''

                  Do I sit tight and wait for a reply?

                  Also I am moving house soon, do I contact them to inform that I have a new address?

                  Thank you!
                  Hiya, just sit tight til they do respond. Regards to moving, it may be an idea you know to pay for a postal divert and don't tell them you've moved...... are you closing all open accounts prior to moving so that a link will not be created? If so then don't tell them, if you're moving addresses formally by telling your lenders (current live accounts - not the bad debts) your moving then pointless paying for a redirect cos the link will be created anyway.

                  Sometimes, I mean in unique cases, it *can* be better not to disclose your forwarding address...... k
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

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