Helmsman UE Diary

[helmsman]

Re: Helmsman UE Diary

RBS 1
pre 2006
£
pre 2007
arrangement
default
RBS
CCA REQUESTED 11/10/2010
cca received 03/11/2010. ;EEK
agreement to pay no interest or charges added

[helmsman]

Re: Helmsman UE Diary

RBS 2
pre 2006
£
pre 2007
arrangement
default
RBS
CCA REQUESTED 11/10/2010
cca received 4/11/10 oh no ;EEK
agreement to pay no interest or charges added

[helmsman]

Re: Helmsman UE Diary


hsbc
pre 2006
£1800
pre 2007
arrangement
default
DCA
CCA REQUESTED 11/10/2010
letter CL finance dca just sent statement 16/10/2010.
letter CL finance have requested cca from hsbc. 22/10/2010
Have today 14/2/11 received very poor cca agreement will get it to you asap for your perusal.
letter 24/3/11 default sum £1 contact to discuss payment.
letter to cl finance 7/4/11 cca query missing prescribed terms
court summons 15/4/11 2 weeks to respond, these havnt hung around less than 8 weeks from receiving cca to court ( oh well never mind cant win them all)
Have agreed to offer payment to CL they refused offer, So income expenditure sent form n9 will have to wait and see what payment court will set probably have to go for redetermination. THIS ACCOUNT WAS ENFORCEABLE.
apparantly have to pay £10 pm informed 20/5/11 result me thinks I will be very old when this is finished.( CLFINANCE have wasted their money on this debt.)
2/6/11 £10 paid today 2029 will be the final payment I dont think I will be around then so I will offer F&F next year of 10% Idiots if they dont accept.
2/6/12 CCJ 1 Year old today have repaid £130 so far (arnt I goooood)
2/6/13 CCJ 2 Years old today have paid £250 so far (I am a good payer).
2/6/14 CCJ 3 Years old today have paid £370 so far.
2/6/15ccj 4 year old t 0day ave pd £490 so far
2/6/16ccj 5 years old today have paid £610 so far.
2/6/17ccj 6 years old today have paid £730 so far.

[helmsman]

Re: Helmsman UE Diary

citi 1 cc
pre 2006
£
pre 2007
arrangement
default
DCA
CCA REQUESTED 11/10/2010
letter from cabot returning postal order £1 but have requested cca from citi approx 12 days.
letter cant find CCA yet but we should keep paying (certainly we will er no we wont) ;Spank
15/3/11 received from cabot a recon of cca? well 100 pages of statements t/cs nothing with any signature on.
letter to cabot 7/4/11 cca query missing prescribed terms.
letter 14/4/11 not accepting dispute from cabot. letter sent to niddy. niddy says ignore.
letter cabot 14/6/11 start paying or acc will progress to next stage of our cllection process. niddy says ignore
Letter to Cabot 23/9/11 Acc sold whilst in dispute.
Letter from Cabot contact them 3/10/11 or will move to next stage. (GO ON THEN TO NEXT STAGE).
letter 30/11/11 limited offer 30% discount or pay over 5 years emm let me think,ERR no cca cant enforce thru courts to they find what they do not have. NO THANK YOU.
Letter Cabot 15/12/11 you have not responded to our letters (LIARS) will progress to next stage.(well hurry up to next stage then and I will send the appropiate template)
Letter Cabot 12/1/12 last opportunity to agree payment before we move to pre litigation process.
LETTER CABOT 28/1/12 THREAT OF LTIGATION.
Letter to Cabot letter before action 30/1/12 see what they reply with?
Letter Cabot final response pay up have sent a good recon 3/2/12.
Letter 4/2/12 to Cabot refusal to accept UE.
Letter from Cabot have fully complied s78 s79 pay up.
Letter sent to Cabot refusal to accept UE general 29/2/12.
Letter Cabot start paying 7/3/12 (NO) will ignore and await nextletter.
Letter 31/3/12 start paying from cabot.
Sent 2/4/12 stop harrassing me.
Letter from Cabot escalated to pre litigation dept + usual threats rec 19/4/12.
20/4/12 Letter sent to Cabot Enough Is Enough hope this works.
Letter Cabot dated 25/4/12 make arrangement to pay or possible litigation debt collectors ect.
Letter Cabot 23/5/12 litigation threat will await letter from them
Letter Cabot 25/5/12 you are receiving help from internet which we believe unsuitable to your circumstances.
Letter 29/5 Morgans Solicitors respond within 1 month.(pre action protocol threat)
Morgans sacked by Cabot new dca appointed July.
New DCA Quantum with Wright Hassle solicitors (what a name thought it was a joke). July.
10/8/12 Oh dear quantum have given up less than 2 weeks. (who is next)
Cabot closed their file on this, IT IS FINISHED> (thanks Paul and Niddy) & Watson Solicitors.
STATUTE BARRED 2016. DEFINATELY STATUTE BARRED NOW.

[helmsman]

Re: Helmsman UE Diary

citi cc
pre 2006
£
pre 2007
arrangement
default
DCA
CCA requested from cabot 16/11/2010 SB 12/16
LETTER CABOT CANT FIND CCA YET KEEP PAYING. NO I WONT 3/12/10
STATUTE BARRED NOVEMBER 2016. DEFINATELY STATUTE BARRED NOW.

[helmsman]

Re: Helmsman UE Diary

all&leicester loan
pre 2006
£
pre 2007
arrangement
default
A&L NOW SANTANDER
CCA REQUESTED 21/11/2010 SB 12/16
CCA RECEIVED 14/12/2010 THIS LOAN IS ADDING INTEREST EVEN THOUGH INTEREST WAS FRONT LOADED AT THE BEGINNING MARCH 2005 WILL SEND AGREEMENT TO NIDDY.
NIDDY SAy ITS ENFORCEABLE
no contact as yet.
contact they have asked for payment 18/5/11 Niddy says ignore them they wont do much for £800 debt.
May 2012 statement received.
Nov 19/11/12 contact from Santander please contact to discuss payment, err NO.
may 2016 statement please pay or we will keep requesting payment.
STATUTE BARRED NOVEMBER 2016. DEFINATELY STATUTE BARRED NOW,

[helmsman]

Re: Helmsman UE Diary

Abbey MBNA
PRE 1996
£
PRE 2007
ARRANGEMENT
DEFAULT
MBNA
CCA REQUESTED 11/10/2010 SB 11/16
letter received 27/10/2010 notice of arrears still no cca as yet.
letter from mbna saying looking into complaint er (have not complained only asked for CCA they received on 13/10/10) no CCA as yet. 1
11/12/2010 default notice received correct by 30/12/2010 or else still no cca as yet.
LETTER MBNA SAYING THEY DONT CONSIDER ACC IN DISPUTE REF TO MCGUFFVRBS MAY SELL ACC TO THIRD PARTY THEY WILL RESPOND TO CCA REQUEST SHORTLY. 24/12/10 REC 05/01/11 WILL IGNORE
LETTER MBNA CANNOT FIND CCA WILL NOT ENFORCE THROUGH COURTS BUT KEEP PAYING. NO I WONT. (THEY WILL NEVER FIND IT OR CREATE A GOOD RECON)
LETTER 6/1/11 CAPQUEST ASKING FOR PAYMENT letter sent to them YOU HAVE NO CCA
Letter 6/2/11 capquest returning acc to mbna.
Letter 24/3/11 AIC new dca offering 50% reduction if I pay by 31/3/11 (NO CHANCE)
Letter mbna and Fredricksons start paying 11/7/11 will send you have no cca to freds 12/7/11.
Letter freds acc on hold whilst the contact clients 29/7/11.
Letter Freds 16/11/2011 acc on hold 28 days for me to contact mbna to request docs obviously not read you have no cca confirmed by mbna so will ignore these tossers.
Letter FRED Tossers 19/11/11 you have not answered our letter to clear these arrears immediately to prevent further action ring us now NO I WONT they never listen anyway they have no CCA. Will Ignore
11/1/12 letter fredricksons debt wont go away pay up. NO NO NO.
Letter today 13/1/12 from B Carter solicitors threatning legal action.
Letter Sent 13/1/12 to Carter sols YOU HAVE NO CCA SO BUGGER OFF.
Letter rec 20/1 dated 15/1/12 notice of assignment to Arrow Global Guernsey Ltd. Pay Freds.
Letter ARC europe pay up or else. 3/4/12
Sent you have no cca so f. OFF. 7/4/12
Letter 12/4/12 from ARC acc on hold.
Arc Europe 14/8/12 pay up or else. Will ignore as they have confirmed no cca will await next contact.
arc europe 5/9/12 pay up. or will inform clients. No real threat so will await next contact.
Drydn solicitors letter 10/10 court action if dont pay.
Letter to dryden 15/10 you have no cca confirmed by mbna.
Letter from Dryden 19/10/12 contacting arrow global for docs acc on hold whilst they await.(good luck with that then)
Letter Dry Fairfux dated 24/5/13 received after the bank holiday they want proposals for payment if they don't hear from me by 3/6/13 we have instructions to issue county court proceedings to recover balance,if they do further costs ect we may have to pay.
3/6/13 10 00am e mailed Dryden to inform them I am seeking legal advice.
Watsons solicitor (paul) is on the case. 5/6/13.
30/6/13 Dryfux requesting docs from mbna (they don't have any) all action suspended.
Aug Acc moved with Paul to new solicitors.
18/11/13 Dryden have returned account to Arrow as they cannot comply with cca request.
March 2014 Letter Arrow Global will not close the file on this, in case they find agreement, this will not happen as they have no idea who issued the original card. (I DO HOWEVER)
STATUTE BARRED NOVEMBER 2016. DEFINATELY STATUTE BARRED NOW.

[Never-In-Doubt]

Re: Helmsman UE Diary

ccj to nat west - for £20 grand which included £5 grand overdraft added to it.

Hiya can you confirm which accounts above, are the CCJ'd accounts or have you excluded them from the list? Regards to the amount owing, i'd suggest you contact your DMP and advise them you're going down the UE route and will cease repayments, so cancel asap and make no payments to ANY of your creditors.

You will get hassled by phone, so do not speak to anyone - whether it be a lender or a DCA - just fail security or let it go to answerphone / ignore if it is a number you don't know. I suggest changing numbers if it gets too bad, bearing in mind the cost of the new number in exchange for what you'll be saving...

Sooo, as already identified - send off a CCA and £1 for each account (it is not one per lender but one per account) and then when you get responses update this thread. Just gointo original post and edit the particular account with the updates. You can email me any paperwork you need me to check using the address shown in my signature - try not to blank bits out cos that makes life extremely difficult for me.

Cheers - chat soon, remember and tell me which accounts the CCJ's refer to and also confirm if you defended the CCJ or knew about it happening, i.e. were you pre-warned?

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Thanks for response CCJ not on list it was a nat west loan which was on dmp but they took us to court we admitted the debt and was ordererd to pay ridiculous amounts Joint debt with other half, ordered to pay £ and £ went for redetermination I was told by the Judge to pay £ and he told the solicitor to stop against other half and they could not have a charging order, they craftily added the o/d to this. Have sent off 9 cca and will do the rest thursday. Have not paid cccs since july and have made token payments only july aug sept and will make no further payments.
many thanks.
helmsman

[Never-In-Doubt]

Re: Helmsman UE Diary

Ok, thanks for clarifying - we'll look at the CCJ later - give it a few weeks and i'll delve more into this for you.....

[helmsman]

Re: Helmsman UE Diary

hi niddy,
It may be a silly question if so very sorry. After sending cca requests recorded delivery are all further letters also to be sent R D. Or just normal postage.
Thanks.
Helmsman

[Never-In-Doubt]

Re: Helmsman UE Diary

everything gets sent recorded - its your audit trail of proof of delivery.....

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Many thanks for reply you must sleep as little as I do I think I just worry about my lot, you must worry about all of us.
many thanks
helmsman

[Never-In-Doubt]

Re: Helmsman UE Diary

thanks y

[helmsman]

Re: Helmsman UE Diary

hi niddy,
Have just checked the delivery of ccas sent on the 4/10 5 were delivered by the 6/10 the other 4 still being tracked not yet delivered. So do we still count the 12+2 days from date sent by me or is it from them receiving the letters, dont really matter as I will not send anything until I have spoken to you regards any follow ups.
many thanks
Helmsman