Greymatter's ue Diary

[Never-In-Doubt]

Re: Greymatter's ue Diary

Hi Niddy
Did you get my PM?

Thanks
GM

Yea but didn't think it needed a reply

[greymatter]

Re: Greymatter's ue Diary

Thanks Niddy

[greymatter]

Re: Greymatter's ue Diary

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 ARC
Keyent
received
My comments
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
10/02/2012 Received letter from DCA informing me that the OC cannot produce my agreement.
I have responded with Final Response - UE (No CCA Received)
27/02/2012 Received response from Moorcroft' They advise me that they no longer deal with this account.For avoidance of doubt I should resubmit my request to the client.Arrow Global(Britannica Recoveries)=ARC Europe
27/11/2012
Hi Niddy
I have received a copy of my agreement and terms and conditions,these I have EM'd to you for your opinion and course of action.
1/12/2012 Niddy:Hi
Regards s.18 - I don't know if it will be as simple as that, Paul was teaching me this but it's rather complex and to be honest I am rather busy to learn it anyway.... but it's not as simple as we used to think, ie separate PPI to loan terms - that apparently does not affect s.18.
For now don't worry about this too much. I don't think s.18 will apply here.
1/12/2012: I know you never got separate terms for PPI, nobody did
The terms are a recon of the current terms, problem though - there is nothing there about default rates, defaulting you, sharing info - nothing.
Hence, they are not the original terms. This is UE
However there was only one set of tcs and that is all.
Niddy : Doesn't matter mate, the ones they sent are UE hence respond as follows ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms
04/12/2012:Rec del ‘Missing PTs’ sent.
19/04/2013 Letter from ARC EUROPE basically telling me that the docs they provided are valid and comply with CCA.They have viewed my signed agreement to the Terms and Conditions.
Goes on to : I should make arrangements to pay by affordable instalments with an IE sheet.
They wish to make it quite clear that unless a payment is made within 30 days along with a firm offer to clear the balance they will obtain clients instructions on what further action they want ARC to take.
What response should I send to this letter please?
19/04/2013 Niddy: I'd just wait and see what they send next and we'll take it from there.....
23/05/2013
letter from ARC Europe informing me that as I have not had any response from me
‘Please do not ignore the contents of this letter or the time limits we have referred to’
Niddy,what would be my response to this please?
23/05/2013:MrsD: just to keep em happy and to spin it out, I'd do a one liner referring them to your missing pts letter. You know the drill
07/08/2013 Letter from Arrow informing me that account has been transferred to:Wilkin Chapman LLp and in future to correspond with them.
07/08/2013:MrsD: just be careful here Greymatter, as soon as this mob make contact I'd get the sold in dispute off.
15/08/2013
Letter received from Wilkin Chapman,please contact them to discuss,etc,etc. and contact them within 14 days.
As Mrs D suggested 'Sold in dispute 'going rec tomorrow.

Hi Niddy,

UPDATE:24/08/13 Letter from Wilkin Chapman.They are requesting copies of 'agreement,statements and tc's.They reckon it will take up to 6 weeks.
My guess would be is that they will send the same as before which was UE.
I will not hold my breath!
GM

[MrsD]

Re: Greymatter's ue Diary

seems the chapmans and willies don't want to play, cos you are problematic and you know it!!

[greymatter]

Re: Greymatter's ue Diary

Thanks MrsD
Well,take a peek at my backing team.

[greymatter]

Re: Greymatter's ue Diary

Hi Niddy
I appear to have lost the various colours for wording ,I used to cut and paste with cokour ,or type directly in the post box but its lost the colour.Can you throw some light here please?
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Hi Niddy
I appear to have lost the various colours for wording ,I used to cut and paste with cokour ,or type directly in the post box but its lost the colour.Can you throw some light here please?
Thanks
GM

Niddy is away until Tues / Wed next week....

[greymatter]

Re: Greymatter's ue Diary

OK
Thanks Deepie
I hope he is on a well earned break.

[greymatter]

Re: Greymatter's ue Diary

Please ignore my request for colour.

[garlok]

Re: Greymatter's ue Diary

Just an update for you GM. Sorry but so far I have only turned up some old Access statements from 1989 time. Still have some paperwork to sift through but so far no terms and conditions which I am sure were there although we have done some shredding in the last couple of years.

regards
G

[Never-In-Doubt]

Re: Greymatter's ue Diary

Hi Niddy
I appear to have lost the various colours for wording ,I used to cut and paste with cokour ,or type directly in the post box but its lost the colour.Can you throw some light here please?
Thanks
GM

No you've not. Colours work fine by clicking "A" in the editor. 9th from left before smileys!

[greymatter]

Re: Greymatter's ue Diary

Thanks G
Much appreciated

[greymatter]

Re: Greymatter's ue Diary

No you've not. Colours work fine by clicking "A" in the editor. 9th from left before smileys!

Thanks Niddy
I would be dangerous if I had a brain. oooh aaaah!

[greymatter]

Re: Greymatter's ue Diary

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 ARC
Keyent
received
My comments
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
10/02/2012 Received letter from DCA informing me that the OC cannot produce my agreement.
I have responded with Final Response - UE (No CCA Received)
27/02/2012 Received response from Moorcroft' They advise me that they no longer deal with this account.For avoidance of doubt I should resubmit my request to the client.Arrow Global(Britannica Recoveries)=ARC Europe
27/11/2012
Hi Niddy
I have received a copy of my agreement and terms and conditions,these I have EM'd to you for your opinion and course of action.
1/12/2012 Niddy:Hi
Regards s.18 - I don't know if it will be as simple as that, Paul was teaching me this but it's rather complex and to be honest I am rather busy to learn it anyway.... but it's not as simple as we used to think, ie separate PPI to loan terms - that apparently does not affect s.18.
For now don't worry about this too much. I don't think s.18 will apply here.
1/12/2012: I know you never got separate terms for PPI, nobody did
The terms are a recon of the current terms, problem though - there is nothing there about default rates, defaulting you, sharing info - nothing.
Hence, they are not the original terms. This is UE
However there was only one set of tcs and that is all.
Niddy : Doesn't matter mate, the ones they sent are UE hence respond as follows ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms
04/12/2012:Rec del ‘Missing PTs’ sent.
19/04/2013 Letter from ARC EUROPE basically telling me that the docs they provided are valid and comply with CCA.They have viewed my signed agreement to the Terms and Conditions.
Goes on to : I should make arrangements to pay by affordable instalments with an IE sheet.
They wish to make it quite clear that unless a payment is made within 30 days along with a firm offer to clear the balance they will obtain clients instructions on what further action they want ARC to take.
What response should I send to this letter please?
19/04/2013 Niddy: I'd just wait and see what they send next and we'll take it from there.....
23/05/2013
letter from ARC Europe informing me that as I have not had any response from me
‘Please do not ignore the contents of this letter or the time limits we have referred to’
Niddy,what would be my response to this please?
23/05/2013:MrsD: just to keep em happy and to spin it out, I'd do a one liner referring them to your missing pts letter. You know the drill
07/08/2013 Letter from Arrow informing me that account has been transferred to:Wilkin Chapman LLp and in future to correspond with them.
07/08/2013:MrsD: just be careful here Greymatter, as soon as this mob make contact I'd get the sold in dispute off.
15/08/2013
Letter received from Wilkin Chapman,please contact them to discuss,etc,etc. and contact them within 14 days.
As Mrs D suggested 'Sold in dispute 'going rec tomorrow.

Hi Niddy,

UPDATE:24/08/13 Letter from Wilkin Chapman.They are requesting copies of 'agreement,statements and tc's.They reckon it will take up to 6 weeks.
My guess would be is that they will send the same as before which was UE.
I will not hold my breath!
GM

10th Jan 2014 UPDATE
Hi Niddy
Happy New Year to you.
I have received a copy of an agreement with no PT's.from Wilkin Chapman.The copy agreement is as before and you looked at what was sent by Arrow Global and suggested that I write back with missing PT's.
As this copy is exactly as sent before what should I respond with to this lot?
They have not even stated the outstanding amount and enclosed an old Annual Egg statement which is not relevant.Do you need to see this copy?
I look forward to your advice as always.
Thanks.
GM

[Deepie]

Re: Greymatter's ue Diary

10th Jan 2014 UPDATE
Hi Niddy
Happy New Year to you.
I have received a copy of an agreement with no PT's.from Wilkin Chapman.The copy agreement is as before and you looked at what was sent by Arrow Global and suggested that I write back with missing PT's.
As this copy is exactly as sent before what should I respond with to this lot?
They have not even stated the outstanding amount and enclosed an old Annual Egg statement which is not relevant.Do you need to see this copy?
I look forward to your advice as always.
Thanks.
GM

I'd resend Missing PT letter......