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  • Re: Pepe2008 Heading for the Sun!

    Had a nice yellow and red letter from C.A.R.S today about the Monument Account with a Mailer Reply Card as a 'CCA'. Jokers.
    This was their 3rd letter, I have ignored them so far, but today I am feeling playful...... so...


    Your letter dated 18th October 2012.

    Don’t send me such threatening crap. You are ( or should be ) aware that this matter has been through more Debt Collectors than a dose of Salmonella at the Debt Collectors Ball and now it seems to have hit the blockage in the U-bend that is you.

    To this date NOBODY has provided me with a correctly worded, properly executed Agreement that fully Complies with all the relevant Sections of the Consumer Credit Act 1974. That is all I have been asking for…. Nothing more, nothing less…. And I ask for it as I don’t believe that there is such a Document and that all those involved up to this date have striven to hide this fact and attempted to use their size, resources and ( so they think ) apparently superior knowledge to harass and threaten me into giving them money.

    Don’t go quoting McGuffey and Carey at me because you know (?) that that just talks about illegible copies and reconstructing a Document from such ( or thin air ) which may in itself satisfy a Section 77-79 Request but it does NOT affect the fact that what is being supplied is , in fact, not enforceable under Law when the ORIGINAL is required to show that the Agreement was AT THE TIME OF MAKING correctly worded, constructed and executed entirely within the bounds of what is required under the Consumer Credit Act 1974. Also, don’t start with the Amendments of that Act, nothing has changed .

    So, until you have got an Agreement along the above lines ( not just a Reply Card from a Mailshot either ) , do not contact me. I also remind you that when you have confirmed that such a Document is NOT available you are obliged to tell me such and confirm that the matter has been closed.

    Just a side-note to save you sending a ‘doorstep collector’. I rent my doorstep, it is not accessible from Public Property, you would need an Easement and/or a Wayleave to do so. Any ‘visitors’ would be immediately reported for Trespass.

    Until then, I quote Pressdram V Arkell, Court of Appeal, 1971.

    ......

    Comment


    • Re: Pepe2008 Heading for the Sun!

      Heard nothing from anyone and then a VERY SPECIAL OFFER from Allied International Cretins. ( last heard from at the nd of July )

      The Balance of my Universa Acc is ( e.g ) £666 ..... 'We can accept a single payment of £666 ..... this means a savings to you of £0'

      Wow, I feel honoured. I think I have reached the difficult decision of not accepting said offer.
      Last edited by pepe2008; 9 November 2012, 13:56.

      Comment


      • Re: Pepe2008 Heading for the Sun!

        Originally posted by pepe2008 View Post
        Heard nothing from anyone and then a VERY SPECIAL OFFER from Allied International Cretins. ( last heard from at the nd of July )

        The Balance of my Universa Acc is ( e.g ) £666 ..... 'We can accept a single payment of £666 ..... this means a savings to you of £0'

        Wow, I feel honoured. I think I have reached the difficult decision of not accepting said offer.
        I bet it took an awful lot of willpower to refuse such a generous offer
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • Re: Pepe2008 Heading for the Sun!

          Originally posted by pepe2008 View Post
          Heard nothing from anyone and then a VERY SPECIAL OFFER from Allied International Cretins. ( last heard from at the nd of July )

          The Balance of my Universa Acc is ( e.g ) £666 ..... 'We can accept a single payment of £666 ..... this means a savings to you of £0'

          Wow, I feel honoured. I think I have reached the difficult decision of not accepting said offer.
          Wow, what a saving.... not!
          Don't they understand that the only discount is 100%
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.



          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • Re: Pepe2008 Heading for the Sun!

            Evidently, some people will still lend to me

            Comment


            • Re: Pepe2008 Heading for the Sun!

              Originally posted by pepe2008 View Post
              Evidently, some people will still lend to me
              oh aye?
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.



              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • Re: Pepe2008 Heading for the Sun!

                Originally posted by missy View Post
                oh aye?
                Hmmm, just goes to prove that PDLs operate as a 'gamble' and charge mega rates to mop up their losses.

                Comment


                • Re: Pepe2008 Heading for the Sun!

                  Where do the DC's get their Staff.

                  Wording from Fredricksons letter....

                  'you should pay, or have your Bank pay, the arrears of £x '

                  OK, ask my Bank for it seeing as you seem to think that it's their responsibility...... cos I sure ain't giving you any

                  Comment


                  • Re: Pepe2008 Heading for the Sun!

                    Well, MKDP LLP have given up on the smaller of the Barclaycard CCs , about £1200.
                    Only ever received T&Cs even after going through all the usual suspects.


                    .... and only one more week at work

                    Comment


                    • Re: Pepe2008 Heading for the Sun!

                      Originally posted by pepe2008 View Post
                      Well, MKDP LLP have given up on the smaller of the Barclaycard CCs , about £1200.
                      Only ever received T&Cs even after going through all the usual suspects.


                      .... and only one more week at work
                      Excellent! It is always heartening to hear of a great result, even if Sharklaycard's record "keeping" does make it easy.



                      SH

                      Comment


                      • Re: Pepe2008 Heading for the Sun!

                        All quiet ion the Western Front ( bit boring really ). RBS have refferred me to Dryden Fairfux and they'll be 'writing' to me.

                        MKDoublePenetration LLP now own the Sharklycard with £4500 and NO CCA ( as admitted by BC)and I should contact them. Nope.

                        They'll have to be bloody quick ! Taking furniture to Portugal in a week.....

                        Comment


                        • Re: Pepe2008 Heading for the Sun!

                          Never posted on your thread but have been following it avidly.

                          Think deep down many of us would love to just up sticks and do what you are doing.

                          Best of luck with the move and hope you come back and post how things get on for you

                          Comment


                          • Re: Pepe2008 Heading for the Sun!

                            Originally posted by ken100464 View Post
                            Think deep down many of us would love to just up sticks and do what you are doing.
                            Too true!
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.



                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • Re: Pepe2008 Heading for the Sun!

                              Originally posted by ken100464 View Post
                              Never posted on your thread but have been following it avidly.

                              Think deep down many of us would love to just up sticks and do what you are doing.

                              Best of luck with the move and hope you come back and post how things get on for you
                              Oh, we'll keep things alive from over there. One of the most important things has been ensuring that we maintain a Broadband connection to provide a small income to make the savings go further.

                              More people can change their life if they really break it down to basics. ( Not going to lecture anyone here, it's still a massive decision but it IS possible for anyone.

                              Thanks for the sentiment.

                              Comment


                              • Re: Pepe2008 Heading for the Sun!

                                Usual crap from BOS and Robinson Wank re AA CC and Loan ( the only ones with a kosher CCA ) so have written confusing letters for them and instigated a Complaint just to keep them off.

                                Letter from Bryan Carters ( from Fredericksons ) threatening on Cap `1 CC that is UE...... I know I shouldn't have.....but I couldn't help it ..... and I dialled 141...

                                but I phoned Freds and abused poor little Bradley who said at one point 'It's not my job .... I didn't do it personally, it's the Company.....' poor love, Happy Christmas Bradders !

                                ( He may also have mentioned that there was no need to shout or swear )

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