Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Cap 1 hubbys
started 1998
ballance £3700
defaulted 2004
still with OC now asking for new payment & I&E Ignored

27/01/12 letter thanking us for our recent comunication ,and confirming they will accept the reduced payment for 6 months?? not sent anything
30/01 cca sent
cca received email sent to niddy
niddy says missing prescribed terms letter will be sent monday

in the original CCa responce they sent a reconstituted copy of the original agreement containing name and address when taken out along with a scanned copy of the signiture page
22/03 letter from Cap one they say i have had the prescribed terms that were in force at the time the account was opened along with a scanned copy of the signiture on the agreement, will scan the letter in for your comments
after receiving their final response scanned in further in the thread have today received a letter from Carp 1
if you do not respond to this letter to bring your arangement up to date we MAY pass to a DCA or we may Choose to sell it to a debt purchaser
13/06 received a RED HEADED letter from Westcot" We have been instructed by our client to collect the outstanding debt" ok so Cap 1 is their client
To avoid WESCOT taking further action we must! 1,pay ye debt in full or 2, contact them by phone, failure to do so will result in further recovery action

updated. ok what to do now

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

To avoid WESCOT taking further action we must! 1,pay ye debt in full or 2, contact them by phone, failure to do so will result in further recovery action

Do they specify what "recovery action"?

Wasteclot are useless. I assume you'd send an "Account sold in dispute" template, but wait for mods.

SH

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

updated. ok what to do now

Do they specify what "recovery action"?

Wasteclot are useless. I assume you'd send an "Account sold in dispute" template, but wait for mods.

SH

I Would........

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

RBS
still with OC
start date 1999
ballance £8,103.05
Defaulted 2003
prorata payments up to date
hubbys

sent CCA req on 12/04
letter from RBS dated 19th they have sent back my request and money, stating that they cannot deal with it as they require a signiture
Sig not req letter sent by return
have today received a letter from RBS, they appologise for the delay and they REGRET TO ADVISE that the card agreement has been misfiled and they are unable to locate it
they also accept that until they comply fully with the CCA request they are not able to enforce the agreement,
BUT if payments stop they MAY take such actionas is legaly permitted to PURSUE the outstanding debt

lets hope the never find it

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
ballance £1100
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are dissapointed to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we havehad regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/20 saying they have complied with the request inder CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

what happens now

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

lets hope the never find it

I Would forget about this............

what happens now

I Would see what they send next............

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

thanks I2D

surely LLoyds would have taken us to court by now if they thought they had a chance, with this ? if we're not paying them what chance do they think a DCA will have!!

as Lloyds have insisted in all corespondance that we would have signed a CCA and they are looking for it, and will send when found i am using that statement in future
so anyone asking why I will not pay will get a still waiting for the agreement they are looking for letter

i asked under CPUTR if they had one or not and they wouldn't give me an answer one way or the other

[The Tech Clerk]

Re: Nightwatch & Hubbys Diary of debt

Just remember when Credit Cards on mass were launched in late 1970s & early 1980s no agreements were sent out in respect of ACCESS just a provisal that if used once you agree to Terms & Conditions as was greatly debated in the main stream papers.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Just remember when Credit Cards on mass were launched in late 1970s & early 1980s no agreements were sent out in respect of ACCESS just a provisal that if used once you agree to Terms & Conditions as was greatly debated in the main stream papers.

this was a TSB card, we are sure it started life as a debit card linked to our account, as I can remember telling a girl in one shop that I was paying by chqe and not by debit card and she was quite shirty,

[The Tech Clerk]

Re: Nightwatch & Hubbys Diary of debt

this was a TSB card, we are sure it started life as a debit card linked to our account, as I can remember telling a girl in one shop that I was paying by chqe and not by debit card and she was quite shirty,

Debit card that is interesting, is there not things going on now about debit card debt turning into credit card debt of vice versa???

[The Tech Clerk]

Re: Nightwatch & Hubbys Diary of debt

That may be but bear in mind that for anything pre-1985 all they have to send in response to a CCA request is a current set of T&Cs and UE doesn't really apply!

See what Paul said here ---> What's the worst thing that can happen! UE diary - Page 5 - allaboutFORUMS

Then that points to the reason why = No Signed Credit Agreement?

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Just remember when Credit Cards on mass were launched in late 1970s & early 1980s no agreements were sent out in respect of ACCESS just a provisal that if used once you agree to Terms & Conditions as was greatly debated in the main stream papers.

Or the days when you went in and spoke with the old bank manager, in the days when they made the call and if they liked you, you got everything.... basically I recall 1988 and I went into my local Trustee Savings Bank (the same blue three circle thing before the 12 way buyout etc) and asked for a visa card. The manager simply said, ok I'll order it - that was that.

Card came and I spent

Agreement, well that was the bank manager telling me to repay it to which I verbally said 'of course' - never ever signed anything!

Those were the days :niddy

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

this was a TSB card, we are sure it started life as a debit card linked to our account, as I can remember telling a girl in one shop that I was paying by chqe and not by debit card and she was quite shirty,

Ahh TSB used to be a 2-in-1 card after the expiry of the sole CGC.

I'll explain.

They had the normal cashcard and then introduced the CGC which came as a £50 solo card, i'e you could only guarantee cheques with that card, so to get cash you'd use the cashcard but to guarantee a cheque you'd use the cheque card.. Then they invented the 'BankCard 2-in-1' which became a cashcard and chequecard before finally becoming the first 3-in-1 card by using C&P at terminals.

Thus this would never have been a debit card prior to the 2-in-1 status. It started as a cashcard --> cc/cgc --> cc/cgc/debit

Credit card was called TrustCard IIRC...?

Images of older cards..... Can't find the old TSB CGC nor the old bankcard however you can see the Lloyds CGC quite clearly and TSB was the same but on blue! ---> MoneySavingExpert.com Forums - View Single Post - Banking Memorabilia

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

see some old lloyds cards (borrowed from MSE)...

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

found a couple of early MBNA cards bit plain