Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

Then send this to Cabot: ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Niddy is this CC 100% UE or can they make it EN by whatever means?

If it is UE I can go ahead and start sending all the right letters (as above) and fight them.

I am just concerned after what they did before.

Thank you

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

yes

Flossy, are you taking the piss here? Since when was yes an answer?



tell you what, come back when you're ready to deal with things; have time to answer us and have the inclination to actually appreciate the time I and others spend here trying to help you.

Yes, is not an answer. Yes, I posted it on X and to that they responded with Y is more of an appropriate response. Stop stressing behind closed doors, speak to us and we will assist - right now you're fretting over something that just hasn't happened.

If this continues you'll end up with action cos not only are we confused, but you must be!

Thanks

Niddy!

[Flossy]

Re: Flossy UE Diary & YB Hassle

After going through 10 pages, I finally found this ---> allaboutFORUMS - View Single Post - Flossy UE Diary YB Hassle


Did you ever send that letter?

yes

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Flower,

They sent a CCA for my CC which is with Cabot as sold to them from YB which I sent to Niddy, he said was UE as it stands right now?, sent the PT letter as directed, they wrote back saying they will get back in touch with YB to see if they could get a better CCA, they couldn't so they said that the CCA I received in February is the one they are going off.

Cabot and I have no agreement, I am just paying £1pm as I have been all the way through when I was with the YB on a repayment plan until they sold me out to Cabot who then (as you know) issued litigation for the O/D. I had to settle with the solicitors, etc.

Now they say its my CC is EN and they want full payment due to me missing payment and litigation in 7 days! They just want an excuse to go to court. They didn't warn me last time but issued papers anyway... I can not afford to go to litigation. I have to much to loose.

Then send this to Cabot: ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Hi Elsa and MrsD

Thank you for replying

Its is from Cabot but, as I said in the other part of my thread they dont normally give notice as I have been issued court documents the last time with them over my YB O/D that was bought by these idiots.

This time they have sent me 2 letters and today was to pay the whole amount or litigation in 7 days. That to me is my warning due to last time when they did it.
x

No, they must follow CPR and that is quite clear that a letter before action must be submitted.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I haven't got a payment plan with them! Yes, the £1pm is to just shut them up but, they want to get me to court, but if it is UE I shouldn't even be paying, I am due to the CCA being 'UE as it stands right now' as Niddy said. I need to know if its 100% UE.

Only a court can give such an assurance, I cannot and would never dream of doing so either.

If you're paying £1pm then keep to it, why mess about? You cannot afford anymore so let them go to court, you simply request fair repayments.

If it is UE we will find out and fight when and if the time arises, ie court.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

UPDATE

1st August 2012

LITIGATION LETTER Please help???

say what? I have 3 of those on templates, so what is a litigation template exactly? See above comments about being clear and legible.

Thanks

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I have had one company that was UE send a statement of £0.00. I have not had any of the others give in yet! They are fighting like mad and trying to confuse me with letter full of law that I do not understand!

Welcome to fighting UE

My main concern at the moment is the 3 listed and CABOT (YB CC).. They are threatening court action and I do not want that nor do I want to keep paying and walking on eggshells with these idiots...

Ok, well if you're paying then pay. If you're not then don't. You cannot group all 3 together as this is 3 accounts not one. Basically I am saying stop worrying, if they write to you then let us know here and we will then respond. Read some other diaries and how easy they are to follow, then come back and read this.

Sorry, but it's a nightmare and I know you're not well and have a lot on etc but you need to try a wee bit harder - help yourself to help us

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I will look through some of the forum to find out more about this and maybe ask POP or someone that has been through this as to the best way to go about it? If anyone has done this can you please give help me to make sure I have the right things in a letter?

--> Financial Hardship - allaboutFORUMS

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

They want a reply from me by 1 August as to the documentation from their client. What letter can I send next to them please?

None, file it away!

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Even though this debt is UE I am still getting fobbed off by Capital one with letters detailing the law of every letter I have sent! Any ideas as to the next step please?

Nothing, file it away!

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I do not know what action I should take next with this one as I am walking on eggshells with CABOT... ??

why?

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

1 February 2012 - MBNA CCA received

8 June 2012 - New CCA received

2 CCA's - One UE and one EN!

28 June 2012 - Sent PT letter

13 July 2012(was June not July!!!) - Letter received from Arden:-

Thank you for your letter dated 25 July 2012.
We are presently investigating the comments you have raised and a full response will be sent to you shortly.
In the meantime, please find enclosed our formal complaints procedures which details how we will deal with your complaint.

Goes on to say that they believe the debt remains enforceable in a court of law and will continue to request payment towards the outstanding balance £5,497.

We consider your complaint closed if we have not heard from you within 8 weeks.

We are responding to your enquiry in respect of a loan with Britannica SARL - MORTLAKE on behalf of Moorgate Loan Servicing.

Any advice as to what to do next after the above letter from Arden.. ?

nothing! file it away

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Niddy,

I am concerned about YB CC with Cabot on previous page. They are threatening court action again..

Can we not use UE with this debt? PT letter? Or will this cause issues for me with them? I am going to have to face them at some point as they will find any excuse like this time to threaten court action. Is there a way we can make sure this is completely UE?I dont like walking on egg shells with them. What do you think?

Niddy can you confirm whether I need to send the PT letter as well as this one or in place of this one please? This is

Did I ask you to send it previously?

Court action requires a threat of litigation. Each template is unique dependant upon the response received. I asked you before to make clear concise responses to make it easier to follow but sadly this isn't occurring.

I am struggling to keep up. Sorry but I am.

[MrsD]

Re: Flossy UE Diary & YB Hassle

OK Flossy for the moment I would send off

Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

to-day if possible by 1st class recorded, (should cost 1.55)

they send a lot of these letters out to frighten people, but if you bite back it makes them pause, so send that off and send the letter to Niddy and we'll see what to do from there.

try not to worry, they want you to, so don't