Flossy UE Diary & YB Hassle

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I dont even know what an avatar is

Add one here, use the drop-down list and select one of ours if you prefer...

---> allaboutFORUMS

An avatar is that little image under our usernames..... We tend to use Mr Men ones here as we are the Mister Men fighting the Muppets

[Pip]

Re: Flossy UE Diary & YB Hassle

Pip,
All these companies are weird! They say one thing and do another, etc... I presume you have only recently got your CCA back? Maybe they wont bother or maybe they will. I dont think their admin is the best! I think it depends on who you get answering your letters????? Have they asked you to pay the balance or passed to a DCA yet?

I hope you dont hear from them again but, they always seem to wriggle back... and let me know how it goes.

Mint have been paid £1pm for a year now and haven't bothered with a DCA. They just defaulted me, accepted the money and send out statements each month!

Hello again Flossy,

I had been paying them through a DMP until a couple of months ago. I also had had minimal hassle from RBS Mint and they were one of the few to continue sending monthly statements (without interest). They haven't sold on the debt yet, and of course, they expect me to repay the balance still.

It was very recently that I got the CCA back -- the last week of January. It was enforceable but I sent a "Missing Prescribed Terms" letter and they've replied to that just the other day (link to my diary posting here), effectively saying: "oh yes it is enforceable" and "we won't discuss this any further".

A month ago, I probably would have been in a kerfuffle about this, but I had a look through other diaries with RBS Mint dealings and I don't see the point of negotiating repayment just yet, even though it's enforceable. I'm reckoning I'll be better off waiting until the bitter end when they (or more likely their gimp friends) start seriously threatening legal action for real ... in the meantime I can stash the money I'd otherwise have been chucking into the bottomless DMP pit and save it for F&Fs ..!

It's Very UEarly Days yet though!

[samsmum]

Re: Flossy UE Diary & YB Hassle

Add one here, use the drop-down list and select one of ours if you prefer...

---> allaboutFORUMS

An avatar is that little image under our usernames..... We tend to use Mr Men ones here as we are the Mister Men fighting the Muppets

Woo hoo. Get me. I got an avawotsit. Thanks all

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

avawotsit.

[samsmum]

Re: Flossy UE Diary & YB Hassle

And i've become a veteran. Such a proud day for me

[PlanB]

Re: Flossy UE Diary & YB Hassle

I think I deserve a more special gold star. PlanB has been without for a year so he wont miss one! Or even better you could do one for him saying "Flossy's Assistant"

HE Trust me Plan B's all woman !

I bet you regret all that flirting now

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

POP

It hasn't got anything signed. Its all just a load of information about what things mean like: Account means the account we open in your name, etc

It says the agreement is between Egg and me & my address...

Weird.. never seen one like this before.

The reason you've never seen one like this before is because all they've done is issue an A4 typed up copy of the terms that may have been in place as at account inception and the current version - irrelevant as that does not satisfy your s.78 request based on the documents not proving anything, let alone proof that you agreed to and signed acceptance of said terms.

Point is, it's unenforceable



I would not reply to this just yet, wait and see what they send next - keep us updated, however for clarity the next template you will send no matter what they write out to you with, will be this: ---> Our Templates | Unenforceability Templates | CCA Query - Copy Document Received

* why am I still here at 03.20am!

[Flossy]

Re: Flossy UE Diary & YB Hassle

HE Trust me Plan B's all woman !

I bet you regret all that flirting now

PlanB Is it safe to come out???

If I recall it was you winking at me that started all this!

I still think that you should have a avatar saying "Flossy's Assistant" LOL

[Flossy]

Re: Flossy UE Diary & YB Hassle

I think I should probably edit your post before SHE comes back and reads it!



How about 5 stars for doing quotes?

That's brilliant.. Can I have that one instead of Niddy's Star? I wonder if we can put something in the middle of saying "dizzy Blonde" LOL

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hello again Flossy,

I had been paying them through a DMP until a couple of months ago. I also had had minimal hassle from RBS Mint and they were one of the few to continue sending monthly statements (without interest). They haven't sold on the debt yet, and of course, they expect me to repay the balance still.

It was very recently that I got the CCA back -- the last week of January. It was enforceable but I sent a "Missing Prescribed Terms" letter and they've replied to that just the other day (link to my diary posting here), effectively saying: "oh yes it is enforceable" and "we won't discuss this any further".

A month ago, I probably would have been in a kerfuffle about this, but I had a look through other diaries with RBS Mint dealings and I don't see the point of negotiating repayment just yet, even though it's enforceable. I'm reckoning I'll be better off waiting until the bitter end when they (or more likely their gimp friends) start seriously threatening legal action for real ... in the meantime I can stash the money I'd otherwise have been chucking into the bottomless DMP pit and save it for F&Fs ..!

It's Very UEarly Days yet though!

Pip,

Your right worrying doesn't do you any good at all. I know through all of my debts of having sleepless nights and frantically running around like a headless chicken. Niddy has made sure I am calmer with help of people on here you do learn that it doesn't get you anywhere, but, I know its really hard though to just stop.

I will have a look at your link and we can compare notes. I am still waiting my Mint CCA to come back .

That's ridiculous about not discussing it any further with you after asking for the missing prescribed terms. They are happy to reply to your CCA and tell you its enforceable but not discuss that!

I will have a read of your posts and can get a better idea of whats been happening and reply when I have a better understanding of it all.

Flossy

[Flossy]

Re: Flossy UE Diary & YB Hassle

The reason you've never seen one like this before is because all they've done is issue an A4 typed up copy of the terms that may have been in place as at account inception and the current version - irrelevant as that does not satisfy your s.78 request based on the documents not proving anything, let alone proof that you agreed to and signed acceptance of said terms.

Point is, it's unenforceable



I would not reply to this just yet, wait and see what they send next - keep us updated, however for clarity the next template you will send no matter what they write out to you with, will be this: ---> Our Templates | Unenforceability Templates | CCA Query - Copy Document Received

* why am I still here at 03.20am !

I was still up then... BOSS, you are going to have to learn to go to bed before midnight! You have to get up in the morning and work all day and then spend the rest of the nights, weekends on here.. GO TO BED!!!!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Talking of animals have you seen my furry friend?

Here she is:
Attached Thumbnails

POP,
ARRRRR she is beautiful .. She looks like my friends dog but, Paddy has a white patch over his eye. Ella looks a bit more wolf like in the face.

My two fluff balls would get lost around her..

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi All,

Niddy - I have got my CCA back from Grattan Catalogue dated 2nd Febraury 2012.

It says that basically, they are writing in response of my request and please find enclosed a reconstituted copy of your current agreement with us. This approach is consistent with the requirements of the CCA 1974, as amended.

Goes on about the account being in arrears and that EOS Solutions need to be contacted.

Basically, it says on the next 2 pages that they need a copy of the signed agreement and I need to sign the agreement (on the next page without my signature or anything but, someone has written my name and address) NOW, and return in the envelope provided!

I will email you it but again this looks UE.

The next letter I have just received says if I do not pay within 7 days their litigation team will seek alternative methods to ensure its paid. DOORSTEP VISITS, etc...

[Flossy]

Re: Flossy UE Diary & YB Hassle

Also, Creation have sent a note that I am getting a visit from one of their representatives to call at my address.

Will post this on my Creation / SCS bit and hopefully can get some help with a letter or something?? They are now just ringing and no one speaks and puts down the phone.

[Deepie]

Re: Flossy UE Diary & YB Hassle

Also, Creation have sent a note that I am getting a visit from one of their representatives to call at my address.

Will post this on my Creation / SCS bit and hopefully can get some help with a letter or something?? They are now just ringing and no one speaks and puts down the phone.

Send them this >..........Harassment & Threat of Doorstep-Visit