bobogosing's UE diary

[Never-In-Doubt]

Re: bobogosing's UE diary

Hi SH!

Thank you for the advise and template. Also for pointing out my missing info. Yes, its credit card.

bobo x

Bobo,

You haven't mentioned whether this is a loan or a credit card, or anything else.

SH - what account are you suggesting this be sent for mate? Just in case we're crossing paths here, as the MKDP one doesn't need a response as they've issued a holding letter only.

Cheers mate

[Never-In-Doubt]

Re: bobogosing's UE diary

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 letter from MKDP dated 20/5/13
UPDATE

With this one, I file away. Yes?

This one you can ignore until such time they get the required information

[bobogosing]

Re: bobogosing's UE diary

Bobo,

You haven't mentioned whether this is a loan or a credit card, or anything else. The letter which follows assumes that it is a credit card. If not, references to section 78 will need to be changed to section 77. Other than that consideration, I would send them this -

“Dear Sirs,

Thank you for your letter confirming that you remain in default of Section 78 of the Consumer Credit Act 1974. You will note that subsection 1 of this section of the Act states -

“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.“

Subsection 3, which deals with exceptions to the statutory requirements outlined above, includes the following exception -

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

It is therefore obvious to deduce, from the above stipulation, that any request made after one month has elapsed from the time of the previous request is valid and must be complied with. Consequently, your failure to comply with my legitimate request of [DATE] puts you in default of this legislation, and under the provision of subsection 6(a) of section 78, you are not entitled, while the default continues, to enforce the agreement.

I therefore look forward to your compliance in due course.

Yours Faithfully,”

SH

Hi SH!

Thank you for the advise and template. Also for pointing out my missing info. Yes, its credit card.

bobo x

[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
received letter from MKDP dated 20/5/13

Hi!

Received same letter from MKDP (see post 513)

Will file away.

bobo x

[ScabHunter]

Re: bobogosing's UE diary

Bobo,

You haven't mentioned whether this is a loan or a credit card, or anything else. The letter which follows assumes that it is a credit card. If not, references to section 78 will need to be changed to section 77. Other than that consideration, I would send them this -

“Dear Sirs,

Thank you for your letter confirming that you remain in default of Section 78 of the Consumer Credit Act 1974. You will note that subsection 1 of this section of the Act states -

“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.“

Subsection 3, which deals with exceptions to the statutory requirements outlined above, includes the following exception -

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

It is therefore obvious to deduce, from the above stipulation, that any request made after one month has elapsed from the time of the previous request is valid and must be complied with. Consequently, your failure to comply with my legitimate request of [DATE] puts you in default of this legislation, and under the provision of subsection 6(a) of section 78, you are not entitled, while the default continues, to enforce the agreement.

I therefore look forward to your compliance in due course.

Yours Faithfully,”

SH

[bobogosing]

Re: bobogosing's UE diary

You just know the response to the egg one is going to be funny. Along the lines of "ok don't write. It's fine by me. I'm not sending you ID. Fuckoff"

Wish I can send a template like that without them giving me a hard time

[bobogosing]

Re: bobogosing's UE diary

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 letter from MKDP dated 20/5/13 [/QUOTE]
UPDATE

With this one, I file away. Yes?

[IF]

Re: bobogosing's UE diary

You just know the response to the egg one is going to be funny. Along the lines of "ok don't write. It's fine by me. I'm not sending you ID. Fuckoff"

[Never-In-Doubt]

Re: bobogosing's UE diary

You just know the response to the egg one is going to be funny. Along the lines of "ok don't write. It's fine by me. I'm not sending you ID. Fuckoff"

[Never-In-Doubt]

Re: bobogosing's UE diary

I'll sort you a reply tomorrow. As above

[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

Hello All!

Received letter from Arrow Global dated 15th May.

As I have sent CCA request to Rockwell on 8/5/13 as Niddy advised.
Still no sign of CCA but this letter came instead.

In the letter, where it says "Next steps", they say I have a repayment plan in place.........I am baffled, what repayment plan??? Not been paying anything!!

Please advise what do I do next??

Thank you in advance.

bobo x

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

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??

Shall I ignore??

bobo xx

[Never-In-Doubt]

Re: bobogosing's UE diary

I'll sort u a reply in morning

[bobogosing]

Re: bobogosing's UE diary

UPDATE

SAINSBURY (mr bobo's)

Started : 11/03
Type of account: credit card
Balance : 8000
date last paid (full amount):07/07/10
Date last paid (On arrangement with Sainsbury):15/09/10
Status: In arrears
send CCA and Niddy confirmed :UE

http://forums.all-about-debt.co.uk/s...&postcount=310

8/5/13 Request CCA again as been ignoring letters
received letter from arrow global dated 22/5/13

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 . But I would like to point out, back in late 2010, the CCA Sainsbury sent was UE, Niddy confirmed it.

Please advise what do I do next?

Thank you in advance,

bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

UPDATE

Today received statement from American Express. They have put the £1 postal order into the account which they have closed and showing I am in credit by £1?????

I sent the missing prescribed terms template on 3/6/13, no reply yet.

They've sold it absolute then

Wait and see what they say. Send no more letters yet...

[bobogosing]

Re: bobogosing's UE diary

UPDATE

American Express (Mrs bobo)

• Type of account: American Express
• Date commenced: 09/99
• Approx balance: £3793.42
• 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: American Express

8/5/13 Request CCA again for ignoring creditor
22/5/13 Received CCA from American Express. Niddy advised to send >> CCA Query - Missing Prescribed Terms - allaboutDEBT UK
3/6/13 sent missing prescribed terms template to American Express
13/6/13 received statement from American Express

UPDATE

Today received statement from American Express. They have put the £1 postal order into the account which they have closed and showing I am in credit by £1?????

I sent the missing prescribed terms template on 3/6/13, no reply yet.