bobogosing's UE diary

[SXGuy]

Re: bobogosing's UE diary

You may not. Or you might. I got a few calls and then it was passed on. Some people do get letters. So it's anyone's guess really!

[bobogosing]

Re: bobogosing's UE diary

Thanks SXGuy!! Will update when I hear anything.....but hope I don't

[SXGuy]

Re: bobogosing's UE diary

Wait for Restons to make contact, then let us know and we will advise. For now, do nothing.

[bobogosing]

Re: bobogosing's UE diary

EGG LOAN (mrs bobo's)

Type of account: EGG Loan
Date commenced: 09/03
Approx balance: £19,541.94
Date last paid: September 2010
Are you on arrangement or not paying: Was on DMP with CCCS and now. not paying
Status: Default and in arrears
Account owner: Egg Banking PLC

http://forums.all-about-debt.co.uk/s...&postcount=229

8/5/13 Resend CCA request as been ignoring letters
22/5/13 Received letter from Arrow
28/5/13 received "address inquiry" letter
14/6/13 Sent this template as advised by Niddy

"Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated 28th May 2013, the content having been noted.

Thanks for writing to me, confirming you're not going to write to me. It's fine by me, I am happy for you never to contact me again - after all it's not like you're a nuisance and a drain on society is it?

Obviously you want paying, I am responding to you but you are playing silly beggars which suits me fine. If you want to discuss this matter like adults then I suggest you use your common sense and update your records or close the account as missing in action.

Funny that you wrote to me asking me to pay money, yet when I write asking for info you then clam up - so do you want to try and resolve matters or not?

A copy of my last letter is attached for your action, alternatively I'd like to thank you for agreeing never to contact me again.

Yours faithfully,"

15/8/14 Received letter from Arrow dated 7/8/14


Hi All!

Received this letter from Arrow.

Shall I ignore? Seems like they are fishing, and it looks like they not certain where I am resided.

Thank you in advance for all advise.

bobo x

[bobogosing]

Re: bobogosing's UE diary

That makes sense since you say it's sadly

Hopefully this will keep things out of court for the time being.

Who knows what will happen as the years go by

Thanks Plan B! That's exactly what I am trying to do. Hope they get so sick of chasing and accepts the offer

[PlanB]

Re: bobogosing's UE diary

13/8/14 Received letter from Arrow Global dated 7/8/14 asking for proposal repayments

Not heard from anyone regarding this account for a while until today.

Received letter from Arrow Global acting on behalf of Debt Managers Ltd asking for to provide proposal for repayments

Going to send them same offer again as last time and see what they will send back

That makes sense since you say it's sadly

Hopefully this will keep things out of court for the time being.

Who knows what will happen as the years go by

[bobogosing]

Re: bobogosing's UE diary

I sent Debt Managers a letter regarding my circumstances offered to pay £1 every month.
Please see reply from them, the letter on the right.

Then I replied on 12/12/14, telling them my friends would help me to pay £300 F&F settement. And they repiled with the letter on the left.

Please advise where do I go from here......what other templates can I use now? Or shall I CCA them again? Many thanks!!

MBNA Virgin

Started : 03/08
Balance : 4570
date last paid (full amount):04/09/10
Date last paid (Reduced payment):23/09/10
Status: In Arrears

Send CCA 5/10/10
Received CCA 22/10/10
Niddy confirmed Enforceable and advised to send blagging letter 22/10/10
Received letter from Virgin demanding missed payments, emailed a copy to Niddy 14/12/10
7/10/11 received letter from mbna virgin saying they decided that they will take action of placing the debt with a debt collection agency. Advised to ignore.
19/10/11 Received EARLY SETTLEMENT OFFER letter from AIC dated 17/10/11. Advised to ignore.
26/1/12 Received 2 letters. 1 from MBNA Virgin and the other from Arrow. Going to send "Account sold in dispute" template.
27/01/12 Send "Account sold in dispute" to Arrow
14/4/12 Received letter from dryensfairfax


24/1/14
With this account being enforceable, I have offered F&F on 8/5/13 and got refused,
they rather accept the £1 monthly offer payment for 6 months.
Now the time is up and they have start chasing again
Received "Notice of Doorstep Collection" letter from Debt Managers today.
Going to send the £1 offer letter to them again and see what happens.

13/8/14 Received letter from Arrow Global dated 7/8/14 asking for proposal repayments





Hi All!

Not heard from anyone regarding this account for a while until today.

Received letter from Arrow Global acting on behalf of Debt Managers Ltd asking for to provide proposal for repayments

Going to send them same offer again as last time and see what they will send back.

bobo x

[bobogosing]

Re: bobogosing's UE diary

EGG LOAN (mrs bobo's)

Type of account: EGG Loan
Date commenced: 09/03
Approx balance: £19,541.94
Date last paid: September 2010
Are you on arrangement or not paying: Was on DMP with CCCS and now. not paying
Status: Default and in arrears
Account owner: Egg Banking PLC

http://forums.all-about-debt.co.uk/s...&postcount=229

8/5/13 Resend CCA request as been ignoring letters
9/3/14 Received CCA , requested back in may 2013. Forwarded to Niddy and wait for advce.
14/3/14 Niddy confirmed CCA is now enforceable as there's been changes since 2010
Niddy advised to blag and send missing PT template
28/3/14 Received reply from Arrow. They dont agree the CCA they sent have missing PT. Forwarded to Niddy.
Niddy advised to leave it, wait and see what they'll do next.
3/4/14 Received letter from Fenton Cooper, see post #613
Advised by MOD to send "sold in dispute template"
Sent template 4/4/14
Received letter from Fenton Cooper saying they have noted my comments and have sought further info from their client
17/4/14 Received letter from Fenton Cooper


Hi Niddy and Mods and everyone!

I have received reply to the "sold in dispute" template that was sent out on 4/4/14.

Please advise what shall I do next?

Thank you in advance.

bobo x

[bobogosing]

Re: bobogosing's UE diary

pond life DCA

just pop off a sold in dispute

Thank you Mrs D x

[MrsD]

Re: bobogosing's UE diary

pond life DCA

just pop off a sold in dispute

[bobogosing]

Re: bobogosing's UE diary

EGG LOAN (mrs bobo's)

Type of account: EGG Loan
Date commenced: 09/03
Approx balance: £19,541.94
Date last paid: September 2010
Are you on arrangement or not paying: Was on DMP with CCCS and now. not paying
Status: Default and in arrears
Account owner: Egg Banking PLC

http://forums.all-about-debt.co.uk/s...&postcount=229

8/5/13 Resend CCA request as been ignoring letters
9/3/14 Received CCA , requested back in may 2013. Forwarded to Niddy and wait for advce.
14/3/14 Niddy confirmed CCA is now enforceable as there's been changes since 2010
Niddy advised to blag and send missing PT template
28/3/14 Received reply from Arrow. They dont agree the CCA they sent have missing PT. Forwarded to Niddy.

Morning all!

Since I have sent the missing PT template, I received reply from Arrow dated 27/3/14
I have forward a copy to Niddy and see what else I can do.
Not paid since 9/10.....hopefully I can continue

bobo x

Ok they don't agree. Fine. Just ignore, see what comes next. Keep us updated

Morning Niddy, Mods and everyone!

Received letter from Fenton Cooper asking for payment.
Please advice what to do next

bobo x

[bobogosing]

Re: bobogosing's UE diary

Ok they don't agree. Fine. Just ignore, see what comes next. Keep us updated

Thanks Niddy! Will update if I get anything x

[Never-In-Doubt]

Re: bobogosing's UE diary

Ok they don't agree. Fine. Just ignore, see what comes next. Keep us updated

[bobogosing]

Re: bobogosing's UE diary

EGG LOAN (mrs bobo's)

Type of account: EGG Loan
Date commenced: 09/03
Approx balance: £19,541.94
Date last paid: September 2010
Are you on arrangement or not paying: Was on DMP with CCCS and now. not paying
Status: Default and in arrears
Account owner: Egg Banking PLC

http://forums.all-about-debt.co.uk/s...&postcount=229

8/5/13 Resend CCA request as been ignoring letters

9/3/14 Received CCA , requested back in may 2013. Forwarded to Niddy and wait for advce.
14/3/14 Niddy confirmed CCA is now enforceable as there's been changes since 2010
Niddy advised to blag and send missing PT template
28/3/14 Received reply from Arrow. Forwarded to Niddy.

Hi All!

Received my Egg CCA today, it was requested again on 8/5/13 because I have been ignoring their letters. Took their time though.
I have uploaded it in the "secure content" and waiting for Niddy's or other experts advise.

Here's the letter that came with the CCA.

Thank you in advance. bobo x

Morning all!

Since I have sent the missing PT template, I received reply from Arrow dated 27/3/14
I have forward a copy to Niddy and see what else I can do.
Not paid since 9/10.....hopefully I can continue

bobo x

[bobogosing]

Re: bobogosing's UE diary

Why compare? It doesn't work like that. No two cases are the same.

The point of UE is that you're delaying things till SB and that means you'd need to be able to stand there in court and state whether you have seen these terms before or not. If not you declare not.

It's a question of who to believe; if it got that far of course

Gulp......!! hope it doesn't get to that!!! xx