Nightwatch & Hubbys Diary of debt

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

did you try it again ?

Or did she ask in the email for Niddy to contact her if he didn't receive it?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

yes thanks I2D

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

And, if that doesn't work, contact his friend Big Ears?

anyone got his email address

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Niddy have you got my emails???

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

Niddy have you got my emails???

Nudge sent.

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Has Niddy see the CCA for this ?

Yes he has

its been on the site for a few days but have had no reply from niddy

Cos Niddy's not been here - building site at the moment as it needs finished like erm a week ago

Did you e-mail it him ?

Yes - got it.

stupid question

why have it then ??

Cos people that can't email (too big documents etc) can use it. I do check it, but only when someone PM's or emails first to tell me to check it...

He's been busy with site isuess... it's always best to e-mail did you try it again ?

Yep very busy! Its what, 03.45am and I'm still here

Niddy have you got my emails???

Yes!

Nudge sent.

Thanks - received and duly acted upon

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

just noticed Links letter states" where this request was made under s77 or 78 of the CCA 2006 this document fulfils our obligations,

I made my request under CCA 1974 as in the template.

s.77-s.79 is the type of agreement you're making the request for. Technically you could say "under the CCA send me X" but we show off and quote the correct term which in your case was s.78 (credit card/revolving credit type)......

The documents they sent are simply terms, they have not fulfilled anything - it is

You can send this back to link: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

* If I miss your posts etc then always best practice PM me as I always read my PM's but sometimes I leave my emails off as I get like 100 a day and sometimes I just cant be arsed :niddy

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

sometimes I just cant be arsed :niddy

Does that mean that, on average, you're half arsed?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

thanks to all x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

CAP 1 cc
started 1998
ballance £1280
default 2008
now with Link financial
prorata to date

CCA request sent
17/03 letter rec, they have sent for the agreement but it may take a while
31/03 letter from link, they have canceled my repayment plan as I have not informed them why i have stopped payment,"whilst they remain committed to recovering this debt by negotiation" they will if needed "persue me through my local county court if I do not contact their office" I am still waiting for my CCA request to be delt with
CCa from link,typed credit agreement no date,but with a V2# on bottom left of page, t&c from 1-23 with APR rates and unspecifide credit limits under section 10(Financial and Related Perticulars) and mentioning a date for base rate and a margin of 10,66% up to your aug 2000 statement???
no signitures, a page with my right to cancel/my rights/loss or misuse/ balance transfer conditions
and a set of current agreement T&C and I a copy of a agreement blanl agreement.

Niddy says
Missing Terms letter sent

thanks all missing terms letter sent today

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

ok here we go


MBNA credit card
now owned byLink Financial
start date 1997
ballance £8,600
Defaulted 2002
pro rata payments up to date
hubbys
31/01 cca sent
04/02 they have sent to MBNA for CCA and most recent T&C, because they bought the debt in 2002 and do not have any paperwork themselves. this could take up to 30 days
16/02 they are still waiting for a reply but woul like us to continue payments
05/02 CCA received. letter says they have fulfiled their obligation under s77 or 78 CCa 2006
they have enclosed a peice of paper that says "Reason for Reconstruction" and next to a large black cross it states Credit agreement not retrived
also enclosed is, a blank application form, with hubbys name and address typed in,some T&C with mb 04/97 in bottom left corner and an undated agreement that starts at page 2 of 8 and finishes at page 7
will send all to niddy as it all looks carp to me


Niddy says
07/02 missing T&C letter sent
17/02 letter saying they are contacting MBNA as they dont have the info requested
31/03 letter from Link reminding us that our payments are overdue and if we gont make a payment the full amount will become payable immediately
15/04 Letter ,they have canceled our repayment plan as we have not informed them why we have not made a payment, whilst they remain commited to recovering the debt by negotiation, they will, if needed persue through local county court if ne we do not contact their office

will send legal threat letter, as we are still awaiting the original terms to be sent, that they were supposed to have asked MBNA for on the 15th of march

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

will send legal threat letter, as we are still awaiting the original terms to be sent, that they were supposed to have asked MBNA for on the 15th of march

or this--------> Threat by Creditor - Threat-o-Gram Letter Before Action

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

RBS
still with OC
start date 1999
ballance £8,000
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

I take it i send them the "signiture not required" letter

[pepe2008]

Re: Nightwatch & Hubbys Diary of debt

Hi Nightwatch, ignore MBNA and they'll go away having admitted that they haven't got the Original CCA. It doesn't matter how many recons they come up with, you have the letter stating that there is NO Original to make up the fairy story from.

RBS ( mint) refused my CCA request several times, even when I signed it...admittedly with my name spelt wrongly!....they refused. Tryiton tried it on, as usual, then Green & Co sent me a Legal Threat and they backed down by return of post after sending the Threatogram Template letter with an additional note about RBS refusal to provide CCA.

Keep it up !

[pepe2008]

Re: Nightwatch & Hubbys Diary of debt

I take it i send them the "signiture not required" letter

Could do, but they'll ignore it anyway and postage is getting expensive ! I'd ignore it personally.