Flossy UE Diary & YB Hassle

[IF]

Re: Flossy UE Diary & YB Hassle

Its your fault as I was reading the other post with your name...

I knew who I meant! My dizzy star needs updating to Flossy 'Moron'

Thanks for the reply though IF

x

No worries

If...x

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hiya Flossy, think you mean I2D/BOSS

Wish I could help but they are the experts.

Best wishes
IF...x

Its your fault as I was reading the other post with your name...

I knew who I meant! My dizzy star needs updating to Flossy 'Moron'

Thanks for the reply though IF

x

[IF]

Re: Flossy UE Diary & YB Hassle

IF/BOSS

Can someone let me know what to do with the 2 cases of MBNA and with Creation please?

I need to answer Creation today and want to get the letter to MBNA/Virgin off today...

PLEASE?

Hiya Flossy, think you mean I2D/BOSS

Wish I could help but they are the experts.

Best wishes
IF...x

[Flossy]

Re: Flossy UE Diary & YB Hassle

IF/BOSS

Can someone let me know what to do with the 2 cases of MBNA and with Creation please?

NOTE: Creation posts moved to the SCS & Creation loan thread as there were replies there ---> SCS Creation Loan - allaboutFORUMS

I need to answer Creation today and want to get the letter to MBNA/Virgin off today...

PLEASE?

[Flossy]

Re: Flossy UE Diary & YB Hassle

OK send this then-----> Threat by Creditor - To Commence Litigation

Sorry I said they are going after my VIRGIN (MBNA) Account more than then other MBNA ... They are going after both but, mostly my MBNA account with the legal side. MBNA sent CCA and the Boss :niddy deemed but, VIRGIN (MBNA) didn't sent a CCA.

Sorry for the mix up... Its complicated with having them both and them sending joined, then separate letters, etc.

So, should I send the legal litigation letter to both VIRGIN (MBNA) and MBNA? Sorry also for being thick today!!!!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Not having a CCA doesn't stop them from using the services of a DCA and/or selling the debt, it'll stop them from getting a CCJ against you though!


Have you asked Gilly about this?

I havent miss 'naughty swear lady' I havent heard anything back from them Gilly as yet. I will email and ask her. I think they should give me the £24 or so they owe as that would go towards my stamp collection for all my letters

Thank you for making me laugh and spitting my coffee at the PC screen earlier... Had to wipe that and I only have one good hand!!!

[Flossy]

Re: Flossy UE Diary & YB Hassle

OK send this then-----> Threat by Creditor - To Commence Litigation

Thank you. I will do that one and send off tomorrow. Should I send for just the VIRGIN (MBNA) account? The letter off ARDEN has only put that account number on their letter or should I do for both?

[Deepie]

Re: Flossy UE Diary & YB Hassle

Thanks In 2 Deep. They seem to be trying to go after the VIRGIN (MBNA) debt! They didn't reply to my CCA sent with the rest on 19th January 2012.

They did send a CCA for the MBNA account which as I have said the Boss deemed UE.

The letters all contradict each other...

I sent the Threat by Creditor - Threat-o-Gram Letter Before Action[/B][/URL] to ARDEN for both accounts on 4th May 2012. So, I need to send another one?

OK send this then-----> Threat by Creditor - To Commence Litigation

[Flossy]

Re: Flossy UE Diary & YB Hassle

Flossy, she swears like a trooper!!

I have noticed IF.... She's a naughty lady

spat my coffee out on the pc!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Ignore this.....



Ignore



I Would send this---->Threat by Creditor - Threat-o-Gram Letter Before Action


Ignore

Thanks In 2 Deep. They seem to be trying to go after the VIRGIN (MBNA) debt! They didn't reply to my CCA sent with the rest on 19th January 2012.

They did send a CCA for the MBNA account which as I have said the Boss deemed UE.

The letters all contradict each other...

I sent the Threat by Creditor - Threat-o-Gram Letter Before Action[/B][/URL] to ARDEN for both accounts on 4th May 2012. So, I need to send another one?

[IF]

Re: Flossy UE Diary & YB Hassle

FLOWER!!!!! I have never heard you swear

Flossy, she swears like a trooper!!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Mrs Hopkins???
Obviously their threat-o-matic mail merge program went pear shaped!

What a bunch of useless twats!

FLOWER!!!!! I have never heard you swear

[Flossy]

Re: Flossy UE Diary & YB Hassle

Your so funny x

Might have to call you MisterMiss ... x

[Deepie]

Re: Flossy UE Diary & YB Hassle

Hi everyone

Really suffering today and have a load of letters back from the companies (DCA's) today.

In response to the above which is Egg - Sold to Barclaycard.

Sent CCA back on 23/1/2012 the Boss :niddy deemed and as above was told to ignore them. Letter received today:

16th May 2012

"Your Barclaycard account has now been passed to Credit Solutions Limited to manage the collection of the balance outstanding on your account.

(gives their address in capitals)

You should contact Credit Solutions Limited as a matter of urgency on:

(gives telephone numbers, emails, etc)

Please contact Credit Solutions Limited who will discuss with you proposals for repayment of the balance outstanding on your account.

It is essential that in all communication you quote the reference numbers".

Senior Collections Manager.

?

Ignore this.....

Update MBNA & VIRGIN (MBNA)

Received 3 letters all in one day (today) contradicting themselves!

I sent the above off to ARDEN as requested above for both accounts on the same letter.

Reply from Arden 14 May 2012

Dear Mrs Hopkins (I can say this as it isn't my name they've written!!!) The have got the correct name and address above.


Thank you for your letter dated 1 April 2012 which has been passed to us.

We are presently investigating the comments you have raised and a full response will be sent to you shortly.

I the mean time, please find the enclosed formal complaints procedures which details how we deal with you complaint."

Ignore

UPDATE MBNA (not VIRGIN MBNA) letter from ARDEN DATED 14th MAY 2012

"Dear XXXXXX, Account Number: XXXXX (VIRGIN)

14th MAY 2012

Despite numerous attempts to contact you we have not had a response from you or an indication of willingness from you yo resolve this matter.

Further to our last correspondence we have reviewed your account and determined that further action is necessary. To that end, I am instructing our solicitors to begin legal proceedings. Our solicitors will be in touch with you in due course to advice you of the next steps. Please note, all costs incurred relating to the instruction of our solicitors will be payable by you.

I can withdraw this instruction if you contact our offices within 5 days of the date of this letter and make satisfactory arrangements regarding your account.

Please contact our offices immediately on XXXXX.

Manager"

I Would send this---->Threat by Creditor - Threat-o-Gram Letter Before Action

UPDATE MBNA / VIRGIN (MBNA) (Joint letter) MOORGATE (who had them before ARDEN)- Letter dated 16th May 2012

Dear XXXXX,

Account number: XXXXXX/XXXX (both MBNA/VIRGIN (MBNA)

I refer to recent correspondence.

I understand the reason for your complaint is the lack of documentation providing the validation of the debt outstanding. Having fully reviewed the documentation relating to your dispute loan accounts and considered the issues that you have raised. Moorgate Loan Servicing have now contacted MBNA who will provide the relevant documentation just as soon as they have had a concluded their further investigation's into this matter.

In the meantime, the present situation of non-payment on the above account is not acceptable. Our position remains as outlined in the letter sent to you by ARDEN CREDIT MANAGEMENT on XXXXXX.

We are responding to the enquiry in respect of a loan with BRITANNICA RECOVERIES SARL on behalf of MOORGATE LOAN SERVICING. If you remain dissatisfied with our response you may refer your complaint to the Financial Ombudsman Service (see enclosed) within 6 months of the date of this letter.

I trust this clarifies the situation but if I can be of any further assistance, please contact me.

Customer Relationship Team".

Ignore

[Flossy]

Re: Flossy UE Diary & YB Hassle

I know you have had trouble trying to figure out whether Plan B is a Mr or a Miss, but have you considered the option that I might be a tranny so either will do nicely

Your so funny x