Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE:

MBNA CC / SOLD TO MOORGATE & NOW PASSED TO ARDEN - THREAT BY CREDITOR - THREAT O GRAM BEFORE ACTION LETTER SENT.
FURTHER CORRESPONDENCE FROM ARDEN THREATENING LITIGATION BUT ALSO GOING BACK TO MBNA FOR CCA!
WAIT OR THREAT TO LITIGATION LETTER?

VIRGIN CC - SOLD TO MOORGATE, PASSED TO ARDEN - NO CCA BACK.
THREAT O GRAM SENT.
THREATENING LITIGATION BUT ALSO TO RETURN TO VIRGIN FOR CCA
WAIT OR THREAT TO LITIGATION LETTER?

As I suspected looking at the envelopes yesterday I have today opened them which is MBNA and VIRGIN CCA's.

I am confused as to why they have sent me another CCA for MBNA as I have already received one from them which the Boss said was UE.

I am going to just have a look at the file and see if its the same CCA and then if the Boss is okay today? Could he please look at these CCA's for me which have both been received from Moorgate. If they have sent the same CCA for MBNA ten I am happy with the Boss :niddy saying its UE. The Virgin one looks different and was from 2005.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi ,

They're having a giraffe with that letter. Claimants and Defendants don't even exist until court papers are issued. According to Crappy One, you're in court the moment you sign the appo form!

Its because they wont to know why I am saying it is UE as I have not properly explained this... blah blah.

I don't think there's anything you need to send apart from the Power2BuggerOffAgain one, but I see the Boss is online so I'm sure he'll be here before long.

SH

EDIT - Just seen your last post. Open them. They won't have letter bombs in and they might just need responding to.

I dont think there is anything URGENT but, I just want to be on top of things as my health lets me down most days..

I know MBNA the Boss said was UE but I am yet to hear from Virgin (well, the DCA Arden) and I know its from them. Probably asking me to pay but, the envelopes are bulky and heavier than a pay now letter!

[ScabHunter]

Re: Flossy UE Diary & YB Hassle

Hi ,

They're having a giraffe with that letter. Claimants and Defendants don't even exist until court papers are issued. According to Crappy One, you're in court the moment you sign the appo form!

I don't think there's anything you need to send apart from the Power2BuggerOffAgain one, but I see the Boss is online so I'm sure he'll be here before long.

SH

EDIT - Just seen your last post. Open them. They won't have letter bombs in and they might just need responding to.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Got 2 letters here from MBNA and Virgin I think and have been avoiding opening them!

[Flossy]

Re: Flossy UE Diary & YB Hassle

Wow, you've got a lot going on, haven't you?

At a cursory glance it looks as though you need to send the doorstep harassment template to Power2BuggerOffAgain as they do actually pollute peoples' doorsteps, but the rest of it looks like typical DCA bluff and bluster which can be filed away. Wait for the big boys (I2D and NID) before you do anything, though.

Just one thing, is that quote from the Crap One letter accurate? Does it really say -

(a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under section 60(1) of the Act and has been signed in the prescribed manner by the Claimant and Defendant;

Is this subject to court proceedings? If not, who the hell are the Claimant and Defendant?

SH

Hi SH

Far too much going on....

Yep, the quote is correct and no it isn't subject to Court Proceedings... They are just quoting some of the CCA stuff that they say is EN.

[ScabHunter]

Re: Flossy UE Diary & YB Hassle

Wow, you've got a lot going on, haven't you?

At a cursory glance it looks as though you need to send the doorstep harassment template to Power2BuggerOffAgain as they do actually pollute peoples' doorsteps, but the rest of it looks like typical DCA bluff and bluster which can be filed away. Wait for the big boys (I2D and NID) before you do anything, though.

Just one thing, is that quote from the Crap One letter accurate? Does it really say -

(a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under section 60(1) of the Act and has been signed in the prescribed manner by the Claimant and Defendant;

Is this subject to court proceedings? If not, who the hell are the Claimant and Defendant?

SH

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE

Yorkshire Bank CC / SOLD TO CABOT - Boss said it was UE after saying CCA was a bit all over the place. I am still paying £1pm Cabot. Will see what letters come back and deal with this at that time.

The Next catalogue/Moorcroft Debt Recovery - Next was ignored back in February due to it being UE as they asked me to sign the CCA and return in pre-paid envelope! I didnt send anything back at the time as told. Then Moorcroft got involved in April and I have sent them:

Threat O Gram letter and now they have threatened me again with possible litigation I was told to sent the next Threat to commence litigation letter, but after being certain the Next was UE at this later date do I send a PT out or just continue to send the legal litigation letter to Moorcroft?

EGG/BARCLAYCARD/CREDIT SOLUTIONS - PT LETTER SENT
CREDIT SOLUTIONS HAVE BEEN IN CONTACT TO THREATEN DOORSTEP COLLECTION, ETC. IGNORE OR A/C SOLD WHILE IN DISPUTE?

Today received a letter from Power2Contact Limited(?) - They have been instructed by their clients to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT. (Maybe they could take the sofa as payment) LOL ;-)
It goes on that I have made this action necessary as I have ignored all their requests to contact them and failed to pay my account. They have given me 72 hours to contact their instructing agent Credit Solutions Limited.

MBNA CC / SOLD TO MOORGATE & NOW PASSED TO ARDEN - THREAT BY CREDITOR - THREAT O GRAM BEFORE ACTION LETTER SENT.
FURTHER CORRESPONDENCE FROM ARDEN THREATENING LITIGATION BUT ALSO GOING BACK TO MBNA FOR CCA!
WAIT OR THREAT TO LITIGATION LETTER?

VIRGIN CC - SOLD TO MOORGATE, PASSED TO ARDEN - NO CCA BACK.
THREAT O GRAM SENT.
THREATENING LITIGATION BUT ALSO TO RETURN TO VIRGIN FOR CCA
WAIT OR THREAT TO LITIGATION LETTER?

CAPITAL ONE - CCA sent and the Boss said it was UE - Letter received back saying that they have already previously provided me with a CCA (had 2 off them).. and that I have failed to state why I allege that they Agreement is improperly executed pursuant to Section 61(1) of the Consumer Credit Act 1974 ('the Act'). The Agreement was properly executed pursuant to Section 61(1) of the CCA 1974 ('the ACT') in that the Agreement is:
(a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under section 60(1) of the Act and has been signed in the prescribed manner by the Claimant and Defendant;
(b) embodies all the terms of the agreement, other than implied terms; and
(c) when presented to the debtor was in such a state that all its terms were readily legible.

Its ends with the CCA is EN and they will not enter into further correspondence with me regarding the provision of copy agreements. Your agreement is EN and we will continue to treat it as such and the money is due in full.

Letter received today from CAPQUEST DEBT RECOVERY - This correspondence is to inform you that your Capital One a/c has been referred to CAPQUEST to manage your a/c in all matters relating to collection, which may include:

-Personal visits by doorstep collection agency (Will get the tea and biscuits ready)
-Possible litigation.

Goes on to say that they are an experienced team of negotiators here to assist me in finding a plan that will clear your indebtedness (big word for them)without the need for further action.

NO CONTACT WILL MEAN FURTHER ACTION

How to pay:
Lets work together.

Maybe they could take the sofa if the other company wont???? Or at least one of these will come round for tea and biscuits as I am fed up of buying extra in when they threaten to come round but dont bother to turn up!

Littlewoods / Additions (Shop Direct Finance Company Limited) - Sold to LOWELL Portfolio - Threatening to send to their debt collectors and maybe possible litigation.

Haven't sent anything to these! ?

[Flossy]

Re: Flossy UE Diary & YB Hassle

Yeah I wonder if they will give me a £500 credit limit?

Im applying for a few grand to pay my Capital One card back!

Or might get a bit extra as my Mint CC is EN so need to pay them off...

[jon1965]

Re: Flossy UE Diary & YB Hassle

I just looked at an email that came in to my inbox and it was Capital One of how to rebuild your credit! Do you think I could apply? Do you want one to Jon?

Yeah I wonder if they will give me a £500 credit limit?

[jon1965]

Re: Flossy UE Diary & YB Hassle

As FP said , just to blag it.

Thanks Flossy, I ain't vanishing just yet. Still got a few pearls of wisdom and the odd bitchy comment to contribute.

I'm going to be like a bad smelljust not doing much on my thread at the mo

[Flossy]

Re: Flossy UE Diary & YB Hassle

I just looked at an email that came in to my inbox and it was Capital One of how to rebuild your credit! Do you think I could apply? Do you want one to Jon?

[Flossy]

Re: Flossy UE Diary & YB Hassle

I love the way you spell 'god' with a small 'g' and 'Niddy' with a capital 'N'.

Doesn't leave one in any doubt as to the order of the hierarchy.

SH

I did notice that too SH

[Flossy]

Re: Flossy UE Diary & YB Hassle

I had a letter just like that from Cap1 after getting my CCA which Niddy said was alas . But I did send the missing terms letter .
However I am just trusting in god and Niddy (ok I lied about the god bit) and chilling out doing exactly what i am told...for now...watch this space

I will keep my fingers crossed for you But, if it was EN how come you sent the missing terms letter? Or did you mean UE?

Or maybe thats what is the best thing to do and confuse the OC/DCA to thinking its UE! Or am I just confused? I think I confuse myself... Its all that alcohol I had yesterday

I do hope everything goes well for you Jon and thank you for dropping in on my thread... its nice to hear from you

[ScabHunter]

Re: Flossy UE Diary & YB Hassle

However I am just trusting in god and Niddy (ok I lied about the god bit) and chilling out doing exactly what i am told...for now...watch this space

I love the way you spell 'god' with a small 'g' and 'Niddy' with a capital 'N'.

Doesn't leave one in any doubt as to the order of the hierarchy.

SH

[jon1965]

Re: Flossy UE Diary & YB Hassle

CAPITAL ONE - CCA sent and the Boss said it was - Letter received back saying that they have already previously provided me with a CCA (had 2 off them).. and that I have failed to state why I allege that they Agreement is improperly executed pursuant to Section 61(1) of the Consumer Credit Act 1974 ('the Act'). The Agreement was properly executed pursuant to Section 61(1) of the CCA 1974 ('the ACT') in that the Agreement is:
(a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under section 60(1) of the Act and has been signed in the prescribed manner by the Claimant and Defendant;
(b) embodies all the terms of the agreement, other than implied terms; and
(c) when presented to the debtor was in such a state that all its terms were readily legible.

Its ends with the CCA is EN and they will not enter into further correspondence with me regarding the provision of copy agreements. Your agreement is EN and we will continue to treat it as such and the money is due in full

I had a letter just like that from Cap1 after getting my CCA which Niddy said was alas . But I did send the missing terms letter .
However I am just trusting in god and Niddy (ok I lied about the god bit) and chilling out doing exactly what i am told...for now...watch this space