Helmsman UE Diary

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi Niddy,
20/7/11 today received letter from CFS quoting carey case with same agreements received before in oct 2010 pages of t/cs and agreement which you deemed UE. I will just sit tight and see what they write next as I also sent today to them the threat of litigation.
thanks
Helmsman

Nice one - keep us updated

Best of luck

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Thanks for reply are you agreeing the part that I am an idiot if you are you are correct. Also a new part of SAR arrived today regarding my complaint and it proves that nat pest lied to us and the court, this will help us greatly with the FOS but I am thinking stuff the FOS and go bact to court as the judge told us he will hear the case if we go back to court.
Thanks as always
Helmsman

Hi niddy,
Sent a pm to you the other day wondered if you have had time to read it? also it is well past the 7 days we gave nat west to respond to your letter you wrote for me Do I now write to complaints officer, should I also now inform the claims co who are working for the lady whos SAR I received and I still have not rec my own sar.
Thanks as always

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi niddy,
Sent a pm to you the other day wondered if you have had time to read it? also it is well past the 7 days we gave nat west to respond to your letter you wrote for me Do I now write to complaints officer, should I also now inform the claims co who are working for the lady whos SAR I received and I still have not rec my own sar.
Thanks as always

You now need to formally complain to the ICO and also point out the fact they sent you someone elses data, also complain to the FOS for the same reasons and finally let the claims company know that you have received this other persons paperwork, but do not send it to them - explain that their customer will have a lengthy wait as you have their SAR and are complaining to the FOS & ICO regards Natwests blatant ignorance and breaches of legislation and that you cannot send it on as you need it as proof.

[helmsman]

Re: Helmsman UE Diary

You now need to formally complain to the ICO and also point out the fact they sent you someone elses data, also complain to the FOS for the same reasons and finally let the claims company know that you have received this other persons paperwork, but do not send it to them - explain that their customer will have a lengthy wait as you have their SAR and are complaining to the FOS & ICO regards Natwests blatant ignorance and breaches of legislation and that you cannot send it on as you need it as proof.

Hi Niddy,
Many thanks for quick reply, my sol is dealing with the fos ect (all looking good for us) letter will be off to ICO monday and I will give the claims co a ring just to get them in the loop and will not send them anything.
Also will send complaint to nat pest with a copy of your letter as I need the sar. That should be enough for now. Will keep you informed.
thanks again
Helmsman

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Letters from mbna saying Fredricksons will be collecting account please pay them, Letter fredricksons same day saying debt wont go away start paying or may take further action. This is UE and have a letter from MBNA saying they dont have a CCA, so letter of to freds with a copy of mbna and new template, so will let you know how quickly they return it to MBNA.
thanks

hi niddy,
Letter from freds acc on hold whilst they contact client for instructions. (dont rush )

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Letter today from Apex re BarclayCard UE they know we live here, we have not replied to their clients ect ect all bollox, so will send acc sold whilst in dispute and await next letter.
many thanks

[helmsman]

Re: Helmsman UE Diary

Hi Niddy,
Maybe you or Paul might be able to help on this one,
we had a personal loan and an overdraft that Nat West put together ie £20000 loan and £5000 overdraft and sued as one debt (loan) , we admitted on court forms to the debt but at the time did not realise this had been done. CCJ awarded ect.
So was it ok for the bank to do this or could we now dispute it, 2009 was the date of ccj.
Many Thanks

[helmsman]

Re: Helmsman UE Diary

Hi Niddy,
Many thanks for quick reply, my sol is dealing with the fos ect (all looking good for us) letter will be off to ICO monday and I will give the claims co a ring just to get them in the loop and will not send them anything.
Also will send complaint to nat pest with a copy of your letter as I need the sar. That should be enough for now. Will keep you informed.
thanks again
Helmsman

Hi Niddy,
Just an update complaint sent to ICO on 30/7/11 Letter received today 4/8 from Nat Pest saying they are investigating, their letter is dated 22/7, I wrote to them on the 18/7 seems to me they may have backdated their letter as 11 days have passed.

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Letter today from Apex re BarclayCard UE they know we live here, we have not replied to their clients ect ect all bollox, so will send acc sold whilst in dispute and await next letter.
many thanks

Hi Niddy,
letter apex 5/8/11 you have failed to make contact thats bollox sent acc sold whilst in dispute 1/8/11 their clients B/Card UE has now formally requested they commence proceedings to recover debt. we are at risk of field agents attending our property to arrange suitable time ect ect. Will ignore and await next threat if a field agent calls will politely tell him to (go forth and multiply).
THANKS

[Deepie]

Re: Helmsman UE Diary

Hi Niddy,
letter apex 5/8/11 you have failed to make contact thats bollox sent acc sold whilst in dispute 1/8/11 their clients B/Card UE has now formally requested they commence proceedings to recover debt. we are at risk of field agents attending our property to arrange suitable time ect ect. Will ignore and await next threat if a field agent calls will politely tell him to (go forth and multiply).
THANKS

Send this > Harassment & Threat of Doorstep-Visit

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Letter today from Apex re BarclayCard UE they know we live here, we have not replied to their clients ect ect all bollox, so will send acc sold whilst in dispute and await next letter.
many thanks

Hi Niddy,
Another letter Apex sending back to me (acc sold whilst in dispute letter) saying they are not data holding so they are not obliged to supply data I requested? please contact b/card directly for credit agreement I shall ignore.
thanks

[helmsman]

Re: Helmsman UE Diary

1/3/2005Monument CC
pre 2007
arrangement
defaulted
Monument
CCA REQUESTED 04/10/2010
cca received 14/10/2010 NIDDY SAYS U.E. :UE
CCA QUERY LETTER SENT 18/10/2010 R.D.
final response received 22/10/2010 1 Niddy says IGNORE
FINAL NOTICE PENDING TERMINATION OF AGREEMENT DEFAULT NOTICE COURT ACTION ECT.24/12/2010
we have contact 20/5/11 pay or we will get a dca on the case.
letter 14/6/11 circuit financial solutions contact immediately follow instuctions may offer repayment plan or settlement.
letter 24/6/11 CFS dca may take to court ect ect.
threat of litigation sent to CFS rd 27/6/11
Letter CFS 19/7/11 same as 24/6/11
threat of litigation sent again 20/7/11

Hi niddy,
Letter dated 3/8/11 from new DCA on the case C.A.R.S. not heard of these before usual threats we know you live there phone there hot line to make a payment doorstep collector instuct their litigation specialists ect. acc sold whilst in dispute will be winging its way to them soon as I can set up new printer (have worn the other one out).
thanks as always
Helmsman

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi Niddy,
Maybe you or Paul might be able to help on this one,
we had a personal loan and an overdraft that Nat West put together ie £20000 loan and £5000 overdraft and sued as one debt (loan) , we admitted on court forms to the debt but at the time did not realise this had been done. CCJ awarded ect.
So was it ok for the bank to do this or could we now dispute it, 2009 was the date of ccj.
Many Thanks

I have PM'd Paul as usually once you admit a claim, that's it. However as it was as you describe, I have asked Paul to clarify.....

Cheers

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi Niddy,
Just an update complaint sent to ICO on 30/7/11 Letter received today 4/8 from Nat Pest saying they are investigating, their letter is dated 22/7, I wrote to them on the 18/7 seems to me they may have backdated their letter as 11 days have passed.

Just see what happens......

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi Niddy,
Another letter Apex sending back to me (acc sold whilst in dispute letter) saying they are not data holding so they are not obliged to supply data I requested? please contact b/card directly for credit agreement I shall ignore.
thanks

I would send this back: Final Response - Unenforceability (General)