Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

That's disgraceful behaviour! Have you sent them the harassment letter? If not you should send it ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

You should also keep some printouts of the letter by the door in case some is about you can shove it to him.

No.I was waiting for a reply from my last update!

I will do that. I am sure I have already sent one to them and they didn't bother.. will have a check and report back in the morning.

My updated diary is still more or less the same as the last one I did just a bit further up.. I am waiting for replies on a few of them.

[helmsman]

Re: Flossy UE Diary & YB Hassle

Next - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

- On Monday (6 August 2012) I had a man on my doorstep who had apparently been hanging around all the week before as my neigbours are very nosey and tell me! When I went to the door he was from Moorcroft and wanted to come in my house... I said NO. I said the a/c was in dispute and to leave. He was saying how nice the area was and looking at my personal things.

Letter received from Moorcroft AFTER my HOUSE VISIT asking for a 75% settlement as a last attempt to prevent court action...

?

If he comes again tell him to F OFF he is lowering the tone of the area

[Deepie]

Re: Flossy UE Diary & YB Hassle

Next - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

- On Monday (6 August 2012) I had a man on my doorstep who had apparently been hanging around all the week before as my neigbours are very nosey and tell me! When I went to the door he was from Moorcroft and wanted to come in my house... I said NO. I said the a/c was in dispute and to leave. He was saying how nice the area was and looking at my personal things.

Letter received from Moorcroft AFTER my HOUSE VISIT asking for a 75% settlement as a last attempt to prevent court action...

?

I would just see what they do next if it were me

[Flossy]

Re: Flossy UE Diary & YB Hassle

Next - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

- On Monday (6 August 2012) I had a man on my doorstep who had apparently been hanging around all the week before as my neigbours are very nosey and tell me! When I went to the door he was from Moorcroft and wanted to come in my house... I said NO. I said the a/c was in dispute and to leave. He was saying how nice the area was and looking at my personal things.

Letter received from Moorcroft AFTER my HOUSE VISIT asking for a 75% settlement as a last attempt to prevent court action...

?

[Deepie]

Re: Flossy UE Diary & YB Hassle

Halifax - Blag this, why not? Obviously don't pay and respond with this - see what happens, keep us updated --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

27 July 2012 - Letter off Halifax. As we haven't been able to agree a suitable repayment plan we've transferred your HALFIAX debt to debt collection agency, Moorcroft Group Plc. We've instructed Moorcroft to arrange collection of the outstanding amount. Contact them asap!

1.Due to the change from Robinson's Way not dealing with this debt any longer due to the above letter I received to say that Moorcroft are now dealing with this, who do I send the PT letter to? Or am I wasting time due to the next letter?

2. Two letters from Moorcroft dated 10/8/12 & 14/8/12 received.

14/8/2012 - Says they have taken over the account and if I believe I am not the account holder to contact them as soon as possible.

10/8/2012 - This next letter says it is a NOTICE OF INTENDED LITIGATION BEFORE LEGAL PROCEEDINGS. To contact them a.s.a.p to stop this.

If it were me I would send this to Moorcroft-------> Threat by Creditor - Threat-o-Gram Letter Before Action

[Flossy]

Re: Flossy UE Diary & YB Hassle

Halifax - Blag this, why not? Obviously don't pay and respond with this - see what happens, keep us updated --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

27 July 2012 - Letter off Halifax. As we haven't been able to agree a suitable repayment plan we've transferred your HALFIAX debt to debt collection agency, Moorcroft Group Plc. We've instructed Moorcroft to arrange collection of the outstanding amount. Contact them asap!

1.Due to the change from Robinson's Way not dealing with this debt any longer due to the above letter I received to say that Moorcroft are now dealing with this, who do I send the PT letter to? Or am I wasting time due to the next letter?

2. Two letters from Moorcroft dated 10/8/12 & 14/8/12 received.

14/8/2012 - Says they have taken over the account and if I believe I am not the account holder to contact them as soon as possible.

10/8/2012 - This next letter says it is a NOTICE OF INTENDED LITIGATION BEFORE LEGAL PROCEEDINGS. To contact them a.s.a.p to stop this.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi Flossy

Hope you are feeling better.

Thanks for setting it all out like that It looks very nice and tidy.

Cabot are just being themselves

Niddy has been a bit tied up, but I'm sure he'll get back to you regarding Crapbot as soon as he can!

Thank you Flower.

I will update again now as a few things have changed but, I am still waiting for replies to CABOT and MBNA 2 CCA which I sent a while back.

I am not great Flower thank you for asking hence me not being on here for a while and also I was waiting for Niddy's reply.

[jon1965]

Re: Flossy UE Diary & YB Hassle

Who has being tying Niddy up? I thought this was a respectable forum

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi,

Is my diary easy to follow from last page?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Grattan - leave this, forget about it - dead

Shop Direct - Leave this, let us know when they reply re CCA

Egg - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Last letter I sent 14 July 2012 - Threat to commence litigation - -18 July Letter from Credit Solutions - Saying that Credit Solutions take complaints seriously, they do not know of any dispute with their client and CCA, In order for them to raise my dispute with their client they require: If I have/NOT received any documentation since my request was sent?
and: If I have paid the £1 fee? If I have received T&C's then please note that sending this docs fulfills our clients obligation of CCA Act 1974. They go on about me having till 1 August to let them know or a/c will be taken off hold and they refute any allegations of harassment.

Capital 1 - Ignore this until they respond, then update us please

- 7 July 2012 Letter from Capital One. They do not believe that the a/c is in dispute. Regulations about credit card disputes are designed to protect the customers if they have disputed transactions, such as fraudulent purchases. There are no such transactions on your account. I'm afraid an account is not put into dispute simply by claiming there is an ongoing disagreement.... It goes on to say they have legal professionals draft the agreements and monitored to ensure compliance, etc.. Then, rambles on about UE in light with Mr Justice Flax in McGuffick!!!!!! ???

Next - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

- On Monday (6 August 2012) I had a man on my doorstep who had apparently been hanging around all the week before as my neigbours are very nosey and tell me! When I went to the door he was from Moorcroft and wanted to come in my house... I said NO. I said the a/c was in dispute and to leave. He was saying how nice the area was and looking at my personal things.

Halifax - Blag this, why not? Obviously don't pay and respond with this - see what happens, keep us updated --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

27 July 2012 - Letter off Halifax. As we haven't been able to agree a suitable repayment plan we've transferred your HALFIAX debt to debt collection agency, Moorcroft Group Plc. We've instructed Moorcroft to arrange collection of the outstanding amount. Contact them asap!

MBNA #1 - This is weird I don't see how they can send two versions of CCA's and more so why I missed this and said one was UE and one was EN. Yea they can remedy a s.78 but they cannot falsify a document if they have previously stated that X is the actual original. It then puts into doubt their claim that agreement Y was actually correct, based on their previously stating agreement X was an original (if any of that makes sense)... hence I would like to see both copies again please with a brief explanation as to why you got two versions etc - please email me one email with the first agreement and terms etc plus the cover letter and the same in another email for the second version. I'll clarify this later once I see documents again, I think this would be UE regardless so want to check - thanks.

- Emailed Niddy my CCA. Seems its a recon and BUT, I am going to try and get away with UE.

- Letter off ARDEN received dated 30 July 2012 - We have provided you with copies of CCA. Our position remains outlined in our letter. You are free to take whatever action you deem appropriate, but we will not be releasing you from any obligation. Contact Arden to arrange payments.


Mint - maybe time to accept defeat and consider repayment? First though, please confirm what is the balance on the account? When did it start and when was it defaulted?

Balance on a/c £14,900. CCA said November 2008!!!! (Before September 2004 but this is the first statement I have in this file.. there will be others)- I had a rough time in 2005-6 ish and they got someone on my case for the full amount to be paid and then let me carry on using CC and issued new card with more money on! Defaulted 17 January 2011.

MBNA #2 - If not already done, send this --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

- Sent CCA to Niddy straight after MBNA 1. Waiting a reply.

Cabot - I'll come back to this later.

I must dash and deal with something extremely important now but the above puts us back in control and I know know exactly where you are with things - please, no messing around, send the templates above to whoever last wrote to you and lets then await replies. Obviously where I requested information, please respond as soon as you can so we can get a full update sorted.

Chat soon

- 3 August 2012 - Further letter from Cabot (3rd in just over a week)- Thank you for your payment. We will continue to charge interest on your a/c until we've agreed a repayment plan with you! The most important thing for you to do now is to get in touch with us.!!!!!!!!????

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Grattan - leave this, forget about it - dead

Shop Direct - Leave this, let us know when they reply re CCA

Egg - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Capital 1 - Ignore this until they respond, then update us please

Next - Respond with this --> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Halifax - Blag this, why not? Obviously don't pay and respond with this - see what happens, keep us updated --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

MBNA #1 - This is weird I don't see how they can send two versions of CCA's and more so why I missed this and said one was UE and one was EN. Yea they can remedy a s.78 but they cannot falsify a document if they have previously stated that X is the actual original. It then puts into doubt their claim that agreement Y was actually correct, based on their previously stating agreement X was an original (if any of that makes sense)... hence I would like to see both copies again please with a brief explanation as to why you got two versions etc - please email me one email with the first agreement and terms etc plus the cover letter and the same in another email for the second version. I'll clarify this later once I see documents again, I think this would be UE regardless so want to check - thanks.

Mint - maybe time to accept defeat and consider repayment? First though, please confirm what is the balance on the account? When did it start and when was it defaulted?

MBNA #2 - If not already done, send this --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Cabot - I'll come back to this later.

I must dash and deal with something extremely important now but the above puts us back in control and I know know exactly where you are with things - please, no messing around, send the templates above to whoever last wrote to you and lets then await replies. Obviously where I requested information, please respond as soon as you can so we can get a full update sorted.

Chat soon

[jon1965]

Re: Flossy UE Diary & YB Hassle

I'm 40 now remember

Knackers yard next for Niddy

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Cool. Ok gimme a few hours to get some tea and chill time. I've been up since 4 so will update this before I go to bed, around 2ish

Thanks.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Grattan Catalogue - £0 balance.

Littlewoods/Very/Additions - Lowell sending letters threatening litigation. Send A/C in dispute but they have ignored that.
- letter back to say they will investigate CCA

EGG/Barclaycard - No PT sent, passed to Credit Solutions then, Power2Contact. They threatened doorstep collection, Harassment letter sent. Credit Solutions threatening litigation.

CAPITAL ONE - (CCA x 2)CapQuest - my account has been put on hold until 2 July while they investigate this matter of CCA.

NEXT - Passed to Moorcroft - PT letter. Passed to MIDAS CREDIT SERVICES - Litigation letter. Waiting response from PT letter. Threatening Litigation

HALIFAX- Passed Moorcroft, passed to Robinson Way - CCA requested, enclosed a copy of all my statements from 2008-2012. A/C on hold until CCA received.
CCA received EN.

MBNA NO 1 - Passed to Moorgate wrote back enclosed NEW CCA dated 8/6/2012 - different to the first CCA received in 1/2/2012 (sent 2 CCA's - both different. 1st one was UE , the 2nd one was EN - Sent PT letter

MINT - Passed to Shoosmiths Solicitors - Asked for CCA 4 times since January 2012, finally received in June 2012, Mint has said its with the Financial Hardship Department.
Cant go for FH due to personal reasons but can ask for payment plan!

VIRGIN CREDIT CARD (MBNA No 2)- Passed to Moorgate wrote to me that they will investigate missing CCA 16/5/2012
Moorgate wrote back enclosed new CCA dated 7/6/2012.

? Yorkshire Bank CC - Sold to CABOT, CCA sent, PT letter sent.
-1 August 2012 Letter from Cabot - Issuing Court Papers in 7 days.
- Re-sent CCA to Niddy, send Threat O Gram tomorrow.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Where it says in dispute with ** If I sent to Cabot then I cant put Cabot in DCA space? Then, it goes on about the OC?

No, I agree. You would add the OC details here. You are in dispute with the OC. See below extract

I write with reference to the above numbered account and note, with regret, that you have chosen not to deal with this matter despite my previous communication endeavouring to assist you in coming to a satisfactory arrangement to close this account; without the need for legal action. Do you need me to point out that this account is formally in dispute with Yorkshire Bank and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974). As you are no doubt aware, your continual harassment not only breaches the Consumer Credit Act (1974), but also the Data Protection Act (1998), the Consumer Protection From Unfair Trading Regulations (2008) and the Office Of Fair Trading's Debt Collection Guidelines. Being that the Original Creditor is now in default of my CCA Request and OFT Debt Collection Guidelines, I consider this account to be in serious dispute, especially due to the fact that whilst my CCA Request remains in default (outstanding), enforcement action is not permitted in line with s.127(3) of the CCA1974.

Notice I deleted some text just after the red addition of YB? Thats what to do....