Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

I Would send this then--------->Threat by Creditor - To Commence Litigation

IF,

Does the letter go to Arden? If so, can I send for both MBNA CC & Virgin (MBNA) CC together?

The beginning of the letter where it says "I write with reference... 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..." (Is this not aimed at MBNA to write the letter to?) Then, the letter says "the account is formally in dispute with ....?" Who do I put there? Moorgate or MBNA? letter continues to say "and has been since they, and .....? (Is that MBNA?) failed to acknowledge my CCA"

Thats what I am confused about.

[Deepie]

Re: Flossy UE Diary & YB Hassle

I dont want to leave it as they are now threatening legal action. I will have to go back through all my diary and go from there... I did an up date a few days ago but, obviously confused the issue. I am getting letters off Arden since 9 March, 23 March, 3 April,12 April. each getting further towards Legal action as I have not replied to any of their letters.

You deemed it UE.

Virgin (MBNA) didnt reply to the CCA.

I Would send this then--------->Threat by Creditor - To Commence Litigation

[Flossy]

Re: Flossy UE Diary & YB Hassle

I'm still confused. But if you're unsure what to respond with send a holding letter like this ---> Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

As for your MBNA accounts, let me know when someone next writes. As we're so behind with things here responding now may well prove to be too retrospective so see what they do next and then we'll make a point of responding yea?

I dont want to leave it as they are now threatening legal action. I will have to go back through all my diary and go from there... I did an up date a few days ago but, obviously confused the issue. I am getting letters off Arden since 9 March, 23 March, 3 April,12 April. each getting further towards Legal action as I have not replied to any of their letters.

You deemed it UE.

Virgin (MBNA) didnt reply to the CCA.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I'm still confused. But if you're unsure what to respond with send a holding letter like this ---> Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

As for your MBNA accounts, let me know when someone next writes. As we're so behind with things here responding now may well prove to be too retrospective so see what they do next and then we'll make a point of responding yea?

[Flossy]

Re: Flossy UE Diary & YB Hassle

sorry just seen this, as we've missed this ermmm, best lets see what happens eh?

Most of the information for MBNA is on the post I sent before and the last letter I got was off Arden on 12 April 2012 which was the FINAL DEMAND - saying if I continue to ignore then they will have to pass to their solicitors.

As for VIRGIN (MBNA) no CCA sent back. Same letters as for MBNA and the last letter was 3 April saying that the present situation is not acceptable and they want the full amount outstanding as shown as I am now currently in breach of this requirement. If I choose to do nothing they will have to take further action which includes a rep sent to my house or legal action.

Thanks Boss. Havent been able to update as I would have also liked but I was in hospital.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Can I just clarify something with the Boss ?

MBNA and Virgin (MBNA)CC.

I send to Arden? In dispute with MBNA or Moorgate? ... Sorry for being a bit slow but please bare with me as I am not understanding much at the moment with getting muddled up...

Hiya

Can you clarify when they last wrote to you? Assuming it was in March then don't worry, but because you've not been around much either some of the updates will cross obviously (not your fault, so don't think I'm moaning - I'm just saying).

Thus can you confirm who sent the last letter and briefly tell me what they said?

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Well, someone has to keep you busy!

What about the first Cabot CC? That is separate from the solicitor's. Its the overdraft that is with Gilly. Should I respond with something to shut them up? I dont want any court action with Cabot. Again!

Thank you in 2 deep

sorry just seen this, as we've missed this ermmm, best lets see what happens eh?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi everyone and hoping your all okay?

I am still not to well and unsure of if its a stroke or this other thing but, my left side has also lost feeling and only have 2 fingers to type with (or maybe use at people I dont like!! )

Can I just clarify something with the Boss :niddy or IF please?

MBNA and Virgin (MBNA)CC. IF told me to sent the Threat by Creditor - To Commence Litigation.

I dont think I explained that one very well and am now unsure it should be that letter due to the blank bits you have to fill in on the letter. Or it could just be me being thick (again) !!!

MBNA -

I had sent the CCA off on 19 Jan 2012.

I received a letter from MBNA dated 25 Jan saying that the balance was being sold to Britannica Recoveries S.a.r.l - Moortlake on 30 January 2012.

25 Jan 2012 Letter from Moorgate Loan Servicing Limited wrote to me to welcome me(very nice of them! lol) and inform me that my MBNA account had been purchased by Britannica Recoveries S.a.r.l acting in the name of and on behalf of its compartment Mortlake (Britannica - Mortlake)and welcome to Moorgate Loan Servicing Limited who will be administering my credit card account on their behalf. This will take place on 30 January 2012.

MBNA replied to the CCA dated 1 Feb 2012 for my MBNA CC which was said to be UE by the Boss :niddy

7 March 2012 letter from Moorgateasking why I havent made a payment and that my account will now be transferred to their appointed agents, Arden Credit Management.

9 March 2012 letter from Arden saying that they have been instructed by Moorgate to recover the outstanding amount.

Then a few letters (dates very close together) threatening to send representatives to my house, legal action and the full amount is now payable and that I am in breach of this requirement.

FINAL DEMAND


My VIRGIN (MBNA) CC CCA sent at the same as above - NO CCA sent to me.

All the same companies above and threats....

Is it the threat by creditor - to commence litigation letter?

I send to Arden? In dispute with MBNA or Moorgate? ... Sorry for being a bit slow but please bare with me as I am not understanding much at the moment with getting muddled up...

[Flossy]

Re: Flossy UE Diary & YB Hassle

see replies in------> bold

Well, someone has to keep you busy!

What about the first Cabot CC? That is separate from the solicitor's. Its the overdraft that is with Gilly. Should I respond with something to shut them up? I dont want any court action with Cabot. Again!

Thank you in 2 deep

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi Flossy,

Nice to see you back! Was starting to worry about you!

If it's something that paralyses only temporarily and will clear in time then it should be less damaging than if it had been a stroke - good to hear there are options to help you recover.

My arm and hand may not recover. Its just a case of waiting to see if the Neurosurgeon will be able to operate. I had a TIA a few years ago or so and it took a long time to recover. That was on my left side and left my hand (wrist) bend over which then developed a big lump on my hand which I had to have treated in theatre... They used a long needle which went through my neck at the front.. Then, the basically 'cooked' my arm and hand with what they called 'a sausage'! Great technical terms they use in theatre these days!

The funny thing is that I went to Blackpool Vic Hospital and they said and I quote 'its something wrong with your brain'.... I did try and tell them I dont have one but they never listen! Guess who found out what was wrong with me? Preston Neuro and my GP and they didn't even have any communication with the Dr at Blackpool or any test results.. Mind you, they did loose them!!!

If my surgeon has to operate on all my nerves in my arm, etc he may as well do my neck and then I can be made completely of titanium! Id have to change my name on here to metal mickey!

Just opened a letter and guess what the Pain Man is putting me back on???? (you will know).... x

[Deepie]

Re: Flossy UE Diary & YB Hassle

OK.

Cabot CC - After them sending the CCA back (which they got off Yorkshire Bank) you checked the CCA and said it was a bit confusing but thought UE.

We sent a letter to say that it was UE and they said they would get a further 'better' copy from Yorkshire Bank. They didn't send a 'better' and decided to stick to the first CCA saying it was enforceable and they have provided sufficient evidence to justify the debt. They would no longer enter into any correspondence with me regarding this matter.

I have sent off the solicitors forms and just need to send some emails of charges make by the bank etc. So, Gilly should be getting everything soon. I have spoken to her on the phone and had email contact.

MBNA CC - Sent CCA back and you deemed UE.

They have since sold to Moorgate and now passed to Arden Credit Management.

They are sending letters out threatening house calls, court action, etc.

-------->Threat by Creditor - Threat-o-Gram Letter Before Action

MBNA VIRGIN CC - No CCA was every sent back for this debt!

Again MBNA sold to Moorgate who have passed to Arden. They are basically doing the same by threatening court action.

------->Threat by Creditor - To Commence Litigation

MINT CC - NIGHTMARE!!!! Sent the £1 PO for the CCA and they sent it back 3 times due to no signature on the letter. Never had the CCA back due to this and we sent letters off to Mint explaining that I dont need to sign the CCA request letter.

They have passed to Shoosmiths solicitors! They sent a letter to me on 4.4.12 informing me that they have taken over the account and to contact them in 7 days.

The next letter off them 14.4.12 saying they have not been able to contact me by phone, therefore they want me to ring them to sort out how I will be paying this debt.

------------>Account Sold whilst in Dispute

CAPITAL ONE - You deemed UE after the CCA was sent. A letter went out saying it was UE to which they replied by saying that they have fully complied with the requirements.

They have said that I have failed to state why I allege that the Agreement is improperly executed pursuant to Section 61 (1) of the CCA 1974 ('the Act'), etc.

---------->Just ignore for now

EGG CC now (BARCLAYCARD) - They sent the CCA back which you deemed UE. They requested all the debt to be paid in full.

The next letter 29.3.12 asking why they have not received payment from me. They then went on to say that we agreed a reduced payment plan on the understanding that the regular payments would reach them!

The want immediate payment. That's the last contact with them.

------------->Just ignore for now

HALIFAX / WESCOT - Sent £1 PO for CCA which Wescot wouldnt accept and sent it back a few times saying that they were not the creditors for this account and to make it payable to Halifax even though they are the ones who take payments, etc for your account with their own new account no...

Its now been passed to Robinson Way Limited Debt Collectors. They have sent 2 letters. 28.3.12 - FORMAL DEMAND FOR PAYMENT. Saying that their client has authorised them to recover the full amount owed or they will start court action.

Next letter from them 6.4.12 - NOTE...IMMEDIATE ACTION REQUIRED. That the debt is in their hands to collect and to call them or further action may be taken to collect the full amount.

----------->Account Sold whilst in Dispute

That's all of them...

see replies in------> bold

[Flossy]

Re: Flossy UE Diary & YB Hassle

How are you samsmum today? Hope your not in too much pain and that they give you some good pain relief. Wishing you better x

[Flossy]

Re: Flossy UE Diary & YB Hassle

I meant on ALL accounts. I'll be honest, I stopped reading when I lost the plot. Ideally if you could just do one little post and tell us briefly the state you're at with each account.

I am lost here. 1 million percent lost

What's happening with the legal issue and Gwynn et al?

OK.

Cabot CC - After them sending the CCA back (which they got off Yorkshire Bank) you checked the CCA and said it was a bit confusing but thought UE.

We sent a letter to say that it was UE and they said they would get a further 'better' copy from Yorkshire Bank. They didn't send a 'better' and decided to stick to the first CCA saying it was enforceable and they have provided sufficient evidence to justify the debt. They would no longer enter into any correspondence with me regarding this matter.

I have sent off the solicitors forms and just need to send some emails of charges make by the bank etc. So, Gilly should be getting everything soon. I have spoken to her on the phone and had email contact.

MBNA CC - Sent CCA back and you deemed UE.

They have since sold to Moorgate and now passed to Arden Credit Management.

They are sending letters out threatening house calls, court action, etc.

MBNA VIRGIN CC - No CCA was every sent back for this debt!

Again MBNA sold to Moorgate who have passed to Arden. They are basically doing the same by threatening court action.

MINT CC - NIGHTMARE!!!! Sent the £1 PO for the CCA and they sent it back 3 times due to no signature on the letter. Never had the CCA back due to this and we sent letters off to Mint explaining that I dont need to sign the CCA request letter.

They have passed to Shoosmiths solicitors! They sent a letter to me on 4.4.12 informing me that they have taken over the account and to contact them in 7 days.

The next letter off them 14.4.12 saying they have not been able to contact me by phone, therefore they want me to ring them to sort out how I will be paying this debt.

CAPITAL ONE - You deemed UE after the CCA was sent. A letter went out saying it was UE to which they replied by saying that they have fully complied with the requirements.

They have said that I have failed to state why I allege that the Agreement is improperly executed pursuant to Section 61 (1) of the CCA 1974 ('the Act'), etc.

EGG CC now (BARCLAYCARD) - They sent the CCA back which you deemed UE. They requested all the debt to be paid in full.

The next letter 29.3.12 asking why they have not received payment from me. They then went on to say that we agreed a reduced payment plan on the understanding that the regular payments would reach them!

The want immediate payment. That's the last contact with them.

HALIFAX / WESCOT - Sent £1 PO for CCA which Wescot wouldnt accept and sent it back a few times saying that they were not the creditors for this account and to make it payable to Halifax even though they are the ones who take payments, etc for your account with their own new account no...

Its now been passed to Robinson Way Limited Debt Collectors. They have sent 2 letters. 28.3.12 - FORMAL DEMAND FOR PAYMENT. Saying that their client has authorised them to recover the full amount owed or they will start court action.

Next letter from them 6.4.12 - NOTE...IMMEDIATE ACTION REQUIRED. That the debt is in their hands to collect and to call them or further action may be taken to collect the full amount.

That's all of them...

[Flossy]

Re: Flossy UE Diary & YB Hassle

I meant on ALL accounts. I'll be honest, I stopped reading when I lost the plot. Ideally if you could just do one little post and tell us briefly the state you're at with each account.

I am lost here. 1 million percent lost

What's happening with the legal issue and Gwynn et al?

As you will now be aware I have been in hospital after having what they though was a stroke but it has turned out to be an illness that paralyses my arms and hands.. Normally (for normal people) it clears quickly but, as I am not normal I have to see the neuro surgeon's team to decide on surgery as its too bad to leave. Please bare with me as I am typing with one hand and have the concentration and memory of a goldfish! (Not a lot of difference really then)

[Flossy]

Re: Flossy UE Diary & YB Hassle

They're both similar. Send the one I2D suggested though as swanny supports a shyte team

Now now Boss..