Flossy UE Diary & YB Hassle

[MrsD]

Re: Flossy UE Diary & YB Hassle

Ok Flossy

No1 I am very worried that you have debts with your bank, this is never a good idea because they could empty your bank account without warning.

Might not be a bad idea to get another non-connected bank account and get everything paid into that.

If you are not going to blag the MINT anymore with Shoosmiths' I would be using our offer letter
allaboutDEBT | Our Templates | Making Creditor Offers - Monthly Offer Template

and offer your pound a month.

I would never fill in any buggers I&e, no one barring a court can make you.

[Flossy]

Re: Flossy UE Diary & YB Hassle

In the beginning they wouldn't send the CCA due to no signature on my letter's (x3)and I was sending letters to the solicitors as they had been sending threatening letters of litigation! A/C in dispute, etc until the CCA eventually came back as EN.

I have updated everything in my diary and asked about all my accounts.

Okay, thank you I will try UE before anything and see if they get Shoosmiths Solicitors back on my case.

29 August 2012 - As I have mentioned that in the beginning I was paying them £1PM and MINT seemed okay with this and checked on my situation every 6 months. When joining AAD I stopped the payments and sent for the CCA. They would not send the CCA due to signing digitally and asked me to sign my letters. It took 3-4 times of writing to them for the CCA before they involved SHOOSMITHS SOLICITORS, but due to no CCA a number of letters where sent to the Solicitors i.e A/C in dispute, etc. Until finally they sent the CCA which turned out to be

The last I heard was from Mint to say they have not sold my account and my account was with the Financial Hardship Department. That was on 15 May 2012.

Today I have received a letter from SHOOSMITHS threatening that if I do not fill out the attached I&E form and send within 7 days of this letter and come up with a reasonable amount to pay back then they will issue court proceedings without warning.

Okay...

1) Will/Do they go through your bank account details at all? I am with Natwest banking which is part of the RBS (MINT)

2) When I fill out the I&E Form it has a section at the bottom that says OPTION 1 LUMP SUM PAYMENT.
OPTION 2 - MONTHLY PAYMENT. Then an area to sign.. Do I sign my original signature? Due to all the digitally signed things I am wondering whether I should do my signature a bit differently?

I haven't done this before and I would like some guidance please so I can get this form off tomorrow! I do NOT want court papers issuing and further costs to be made.

Can anyone Help me please?

[Flossy]

Re: Flossy UE Diary & YB Hassle

I sent it all after the MBNA 1. There was 3 separate emails for each one. One for the old CCA, one for the new CCA for MBNA 1 and one for MBNA 2 (Virgin CC).

You told me about the MBNA 1 was EN as they had covered everything and originally the first one was UE and the second EN but you told me to blag it with PT letter, which I did and they will not accept that.

Niddy, Can I just check something with you please? MBNA 1 CCA originally when I sent to you, you said that the 1st CCA was and when I received a 2nd CCA for MBNA 1 you looked at it and said it was as it was a recon.

But, then recently when I re sent them both you again (same CCA'ss) you said they where both ?

The only reason I ask this is that you said because of the CCA's both being 2 different copies with one and the other that they would probably get mixed up if it was argued in court!

I would just like to be sure that they have sent 2 different ones especially if one is UE and the other EN as that would mean they have different CCA's which as I am aware is slightly odd and if court action was taken the judge would wonder why they had different copies of the CCA for one account? Is that correct?

The VIRGIN (MBNA 2) is clearly which is a nightmare as its the highest CC I owe!!! This one alone is nearly £20k!!!! That would take me years to pay off.. In fact I would probably still owe money when I am not here any more

Thank you.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi,

Sorry for my on and off the site but I am at the hospital a lot at the moment and in a lot of pain.

I just need to know Niddy if I am now to stop the payments to CABOT as you have now said its ?

I will send the 'final response' letters to the EN debts to blag first and then when they start to get a bit close for comfort I could then set up a DMP and I&E to send and see if they will accept a low amount each month? Am I going in the right direction with this?

Thanks

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi to all and a thank you to Niddy for his hard work on my diary.

Just a complete up to date on what is and what is so that I can start to work on the ones that are a threat to me and what I am going to do with them as the amounts are so high!

But, the good news is I do have more UE than I thought in the first place as I was going to go bankrupt when I joined this site and loose everything I have worked hard for. Now I have at least some options. So, I say thank you to everyone who has helped me get this far on my diary and behind the scenes when I have need guidance, and obviously Niddy for setting up this site and helping filter through my debts and not be bankrupt.


YB CC/CABOT -

Littlewoods/Very/Additions -

EGG/Barclaycard -

CAPITAL ONE -

NEXT -



HALIFAX-

MBNA NO 1 -

VIRGIN CREDIT CARD (MBNA No 2)-

MINT -

[Flossy]

Re: Flossy UE Diary & YB Hassle

Righty ho, the news we've all been dying to hear.....

If I give this

What account am I referring to....

I'll tell you when you login

Sorry for my delay. I had to go to hospital and have been ill...

I was really hoping that Virgin (MBNA 2) was UE as that is a large amount but, I am glad that Shit Cabot can go and shove the account where the sun doesn't shine! Cheers Niddy

Can I stop paying the idiots now then? Yipppeeee

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Ok seriously.

Mbna - that's a killer recon and ticks all the Carey boxes. It's

Sorry but it just is. The illegible element was fixed with the recon sadly.

Cabot/YB - interestingly enough this is actually

It's clear the terms they attached are recent and not those as at account inception. The late payment fee of £12 shown on the recon terms confirm this. However the £12 charge was not adopted by YB till 06/07 so we know the terms do not match the signed agreement. The fact you never seen terms when you took the card out, remember you told me you only got the card on a piece of paper with no booklet or terms ( ) - well this means it's unenforceable.

Also there's no PT's on or linked to the actual signed agreement.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Righty ho, the news we've all been dying to hear.....

If I give this

What account am I referring to....

I'll tell you when you login

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Ermmm please send Cabot again.

I'll check in the next hour and reply tonight - promise

[Flossy]

Re: Flossy UE Diary & YB Hassle

Did you resend both, today? I will try and respond later when I get home but really busy so bear with me.... if they are not hassling you then we tend not to hassle them so unless they are actively hassling you then we'll come back to it....

Thanks

No. Just the MBNA 2 (Virgin CC)

I sent the YB Cabot CCA a few times.. Do you want me to send it to you again? I wanted to know about the CCA being UE. If you say it is and that's it.. Then, I will then not mention them again until/if they issue me with the court papers they have said

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Did you resend both, today? I will try and respond later when I get home but really busy so bear with me.... if they are not hassling you then we tend not to hassle them so unless they are actively hassling you then we'll come back to it....

Thanks

[Flossy]

Re: Flossy UE Diary & YB Hassle

Cabot, what....? Please enlighten me (sorry but you'd never believe the work going on around me, head mashed is an understatement....)

Try and fill me in briefly.....

Quote:
Originally Posted by Flossy
You said the CC was UE but it wasn't like a 100% so, I am worried of course, anyone would be.

"Let me come back to you on this - when you resend the agreement and terms yea? Then we'll try and sort it one way or another"

I re sent the CCA to you.

(P.S Ive re sent the MBNA 2 (Virgin CC)

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Cabot, what....? Please enlighten me (sorry but you'd never believe the work going on around me, head mashed is an understatement....)

Try and fill me in briefly.....

[Flossy]

Re: Flossy UE Diary & YB Hassle

Cabot - Niddy "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"

[Flossy]

Re: Flossy UE Diary & YB Hassle

Will sit here and go through my CCA's as I copied bits of each one.. Will re send my MBNA 2 (Virgin CC).

Okay, next... CABOT. You had something to do and said you would get back to me but, its been busy and you haven't had chance to get back to me..