bobogosing's UE diary

[bobogosing]

Re: bobogosing's UE diary

Hi all!

OMG!! How different the forum looks.........it looks fab, just hope its easy for me to understand all these new icons.

Received letter from Arrow with my £1 CCA request, will load up later as I am busy today and tomorrow.

bobo x

[bobogosing]

Re: bobogosing's UE diary

No send a cover letter and attach a copy of what you sent to the dca and tell them, "attached is a copy of my letter to Arrow Global to which I'm still awaiting a response"...

Thank you Niddy! x

[Never-In-Doubt]

Re: bobogosing's UE diary

No send a cover letter and attach a copy of what you sent to the dca and tell them, "attached is a copy of my letter to Arrow Global to which I'm still awaiting a response"...

[bobogosing]

Re: bobogosing's UE diary

I'd probably reply just saying you're disputing things with the dca as you're awaiting their compliance of s.78 request.

Just a quick reminder, maybe send a copy of the last letter you sent (my template?)

Thanks Niddy! (Yes, your template your forum!)

Ok, will send same template to Blake Lapthorn.

bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

Hi Niddy and everyone!

Since sending the Niddy's template to Arrow Global, I've now received letter from Blake Lapthorn.

Do I send the "account sold while is in dispute" template please?

Many thanks! bobo x

I'd probably reply just saying you're disputing things with the dca as you're awaiting their compliance of s.78 request.

Just a quick reminder, maybe send a copy of the last letter you sent (my template?)

[Never-In-Doubt]

Re: bobogosing's UE diary

Requested CCA again as Niddy advised and received DN instead of CCA from MKDP.

Shall I ignored and file away? bobo x

Yep just ignore

[Never-In-Doubt]

Re: bobogosing's UE diary

2nd Barclay account:

Requested CCA again as Niddy advised and received DN instead of CCA from MKDP.

Shall I ignored and file away? bobo x

Yep

[bobogosing]

Re: bobogosing's UE diary

UDATE


Barclaycard 2 (Mrs bobo's)

• Type of account: Barclaycard
• Date commenced: Before 2004
• Approx balance: £1128
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Barclaycard

http://forums.all-about-debt.co.uk/s...&postcount=251

8/5/13 Requested CCA again for ignoring creditor's letters

2nd Barclay account:

Requested CCA again as Niddy advised and received DN instead of CCA from MKDP.

Shall I ignored and file away? bobo x

[bobogosing]

Re: bobogosing's UE diary

UPDATE

Barclaycard 1 (Mrs bobo's)

Type of account: Barclaycard
Date commenced: Before 2004
Approx balance: £3190
Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
Status: Default and in arrears
Account owner: Barclaycard

http://forums.all-about-debt.co.uk/s...&postcount=314

8/5/13 Requested CCA again for ignoring creditors letters

Requested CCA again as Niddy advised and received DN instead of CCA from MKDP.

Shall I ignored and file away? bobo x

[bobogosing]

Re: bobogosing's UE diary

UPDATE

Barclaycard 1 (Mrs bobo's)

Type of account: Barclaycard
Date commenced: Before 2004
Approx balance: £3190
Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
Status: Default and in arrears
Account owner: Barclaycard

http://forums.all-about-debt.co.uk/s...&postcount=314

8/5/13 Requested CCA again for ignoring creditors letters

Received DN instead of CCA from MKDP. Shall I ignore and file away please? bobox

[bobogosing]

Re: bobogosing's UE diary

See below but remember that you need to send this with the same £1 cheque and a copy of the original request.....

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated 22 May 2013. Unfortunately it appears you're missing the obvious legislative guidance because I am well within my rights to request a new CCA each and every month, if I so desire.

The information you refer, that may have been issued last year, does not satisfy my s.78 Request of May 2013 and until such time you deal with my lawful request, this account does remain in an unenforceable state.

I won't go over old ground again but in Layman terms section 78 of the Act itself clearly states;

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a)the state of the account, and

(b)the amount, if any currently payable under the agreement by the debtor to the creditor, and

(c)the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(2)If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)(c), he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

(3)Subsection (1) does not apply to —

(a)an agreement under which no sum is, or will or may become, payable by the debtor, or

(b)a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

Now as you can see from the above; I am well within my rights to request a new s.78 request every month if I so wish, this is concise in the Act as detailed in the above text.

I attach the same £1 payment as before with a copy of the original request and look forward to hearing from you in due course.

Yours faithfully,



Sign Digitally

Hi Niddy and everyone!

Since sending the Niddy's template to Arrow Global, I've now received letter from Blake Lapthorn.

Do I send the "account sold while is in dispute" template please?

Many thanks! bobo x

[bobogosing]

Re: bobogosing's UE diary

Just send this back to them with a copy of your original request and payment (if it was returned to you)...

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,


Sign Digitally

Thanks Niddy! Couldn't stop giggling reading this letter.
Will send this and the letter for Sainsbury. xx

[Never-In-Doubt]

Re: bobogosing's UE diary

Egg Loan - Mrs Bobo:

Hi

Received letter from Arrow Global. They managed to sent "Notice of Assignment" letter to the same address(see post #499) and yet when I request for my CCA again, they are asking about my address?

Just send this back to them with a copy of your original request and payment (if it was returned to you)...

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,


Sign Digitally

[Never-In-Doubt]

Re: bobogosing's UE diary

Sainsbury's Mr Bobo Credit Card:

Hi!

Received reply from Arrow, they have returned the £1 CCA payment which Niddy advised to request again as I have been ignoring their letters .

I'll sort u a reply in morning

See below but remember that you need to send this with the same £1 cheque and a copy of the original request.....

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated 22 May 2013. Unfortunately it appears you're missing the obvious legislative guidance because I am well within my rights to request a new CCA each and every month, if I so desire.

The information you refer, that may have been issued last year, does not satisfy my s.78 Request of May 2013 and until such time you deal with my lawful request, this account does remain in an unenforceable state.

I won't go over old ground again but in Layman terms section 78 of the Act itself clearly states;

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a)the state of the account, and

(b)the amount, if any currently payable under the agreement by the debtor to the creditor, and

(c)the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(2)If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)(c), he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

(3)Subsection (1) does not apply to —

(a)an agreement under which no sum is, or will or may become, payable by the debtor, or

(b)a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

Now as you can see from the above; I am well within my rights to request a new s.78 request every month if I so wish, this is concise in the Act as detailed in the above text.

I attach the same £1 payment as before with a copy of the original request and look forward to hearing from you in due course.

Yours faithfully,



Sign Digitally

[Never-In-Doubt]

Re: bobogosing's UE diary

UDATE

Barclaycard 2 (Mrs bobo's)

• Type of account: Barclaycard
• Date commenced: Before 2004
• Approx balance: £1128
• Date last paid: Nov 2003 then went on DMP with CCCS Dec 2003
• Are you on arrangement or not paying: Was on DMP with CCCS, last paid in Nov 2010
• Status: Default and in arrears
• Account owner: Barclaycard

http://forums.all-about-debt.co.uk/s...&postcount=251

8/5/13 Requested CCA again for ignoring creditor's letters
received letter from MKDP dated 20/5/13

Hi!

Received same letter from MKDP (see post 513)

Will file away.

bobo x

Yes, no response necessary for this either.