Greymatter's ue Diary

[Deepie]

Re: Greymatter's ue Diary

26.01.2012 Received a letter direct from BC stating that they no longer hold a copy of my executable agreement.They go on further to state that they accept that they are therefore prevented from enforcing the agreement.
This therefore makes it in their own words
Thanks AAD
GM

Done finished....keep hold of that letter

[Never-In-Doubt]

Re: Greymatter's ue Diary

26.01.2012 Received a letter direct from BC stating that they no longer hold a copy of my executable agreement.They go on further to state that they accept that they are therefore prevented from enforcing the agreement.
This therefore makes it in their own words
Thanks AAD
GM

awesome - keep that letter safe and secure and if anyone ever bugs you for repayment, you copy it and send it with one of these: ---> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

Well done - another one bites the dust

[greymatter]

Re: Greymatter's ue Diary

Thanks Peeps
Could not have managed without AAD
GM

[nanna58]

Re: Greymatter's ue Diary

brilliant grey

[Undercover Elsa]

Re: Greymatter's ue Diary

Well done Grey Matter!!
Another load off your mind. Feels good doesn't it??

Shep x

[garlok]

Re: Greymatter's ue Diary

An excellent result GM, well done. I am surprised that BC capitulated directly without more hassle, perhaps they are learning that ordinary folk are more intelligent than they have given them credit for (please forgive the pun).

However as I2D says keep that letter very safe. Barclays are not above every underhand trick in the book and may just sell the account on buried in another large book of accounts and you may hear from a debt purchaser. In that case your letter is gold dust.

regards
Garlok

[greymatter]

Re: Greymatter's ue Diary

Thanks ,it does feel good to know you have actually got a positive response from the OC when they know their backs are up against the wall.Letter now safe and sound!!
I (We) have so much to fight for and AAD are just so supportive.
Thanks Peeps
GM

[Riberaclass]

Re: Greymatter's ue Diary

Well done You!! Where would we all be without Nidd & Co!!
RL

[greymatter]

Re: Greymatter's ue Diary

I am going for this next:
Arrow (was EGG)

Type of account (Loan with PPI)

Date commenced (Approx 1999)

Approx Balance (£3000)

Last made a FULL payment (Apl 2003)

Paying by arrangement with DCA(Moorcroft)

Default Notice issued by Egg(May 2003)

Account run by Moorcroft

Key:sent
received
other information

Been paying token payment for a few years.
25th June 2011 Egg assigned the account to Arrow Global
30/01/2012 CCA requested by recorded delivery
I will update as and when I receive any correspondence

10/02/2012 Received letter from DCA informing me that the OC cannot produce my agreement.
This therefore makes it UE
I have responded with Final Response - UE (No CCA Received)

[greymatter]

Re: Greymatter's ue Diary

Yorkshire Bank(was Vivid)
Type of account (Loan)

Date commenced (Approx 2001)

Approx Balance (£6500)

Last made a FULL payment (June 2003)
Paying by arrangement with DCA(Sutcliffe)
Default Notice issued by YB( 2003)
Account run by various DCA's(Apex,Sutcliffe,NCO,now Brunswick)
Eventually Account was purchased by Apex
04/03/2010 Letter sent by me requesting CCA(Recorded)
08/03/2010 Letter from Apex referring my request to YB.They placed my account on hold
25/03/2010 I sent Apex letter 'Failure to comply etc'
30/03/2010 Letter from Apex treating my last letter as a complaint
23/04/2010 Letter from Apex stating that they are advised by YB(NAGB)that they are unable to provide me with the number of requested documents.Therefore they are returning the account back to NABG and Apex are closing the account with Apex.
31/03/2010 I cancelled my monthly payment
20/06/2011 First statement received from YB showing old balance
08/07/2011 Chasing letter from Sutcliffes notifying me of a £20 uplift!
19/11/2011 Second statement with increased balance by £20
14/07/2011 I sent a letter reminding them of my request to Apex for CCA and their reply.I also asked them to please remove the £20 as the account is UE
They received this as I registered it and got a signature.(This was all done Pre Niddy )
I posted this initially under:Re: Charged £20 admin fee although account UE-(Under the Unenforceability section)
19/01/2012 Received letter from a new DCA Brunswick Collection Services requesting that I pay giving me various options.

Key:Items sent in blue
Items received in red
Comments in green
Niddy says ignore for now


So as this is please advise me as to what my next move should be.
Thanks all.
GM

30/01/2012 Same type of letter received as last week They want to hear from me immediately!!

Niddy do I ignore or do you recommend a template letter?

[Pixie]

Re: Greymatter's ue Diary

Have you sent Our Templates | Unenforceability Templates | Account Sold whilst in Dispute to Brunswick?

If you haven't, you can either send it or just ignore and see what they send next.

[greymatter]

Re: Greymatter's ue Diary

No not yet as the account is only being handled by Bruswick and not sold/assigned.
In brunswicks case they say they have been authorised to take any appropriate action that is necessary to recover the o/s debt.
I suppose this is where the OC just passes it around without a full assignment.
Ignore?
GM

GM

[greymatter]

Re: Greymatter's ue Diary

No not yet as the account is only being handled by Bruswick and not sold/assigned.
In brunswicks case they say they have been authorised to take any appropriate action that is necessary to recover the o/s debt.
I suppose this is where the OC just passes it around without a full assignment.
Ignore?
GM

GM

Should I ignore or not?
Just want to get these things right.
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Should I ignore or not?
Just want to get these things right.
Thanks
GM

if it's first contact then ignore......... if not then send Account sold letter

[greymatter]

Re: Greymatter's ue Diary

Trouble is the account has not been sold on.Its only being handled by the DCA on OC instructions.
Taken from my post under 'what do you do when.......'
(Quote):
Where an account has been notified to you as UE(No docs available) and the OC still employs various DCA's as paid 'threat O grams' for results. Then the DCA request(s) to pay up etc etc should surely be ignored as clearly the OC are just using bully boy tactics for an account they know cannot be collected,in the hope that we fold in through lack of CCA knowledge.The account is unassigned and still belongs to the OC.(Quote)
So if I should respond what template letter should I use,thats if in your opinion, it needs a response.
Thanks
GM