Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

hi Pepe

even if hubby signs it it wont match the one they have on record as I used to sign all his letters

[pepe2008]

Re: Nightwatch & Hubbys Diary of debt

hi Pepe

even if hubby signs it it wont match the one they have on record as I used to sign all his letters

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Bos cc
start date 1998
owing £4800
defaulted 2008
prorata payments to Blair oliver & scott up to date
12th april CCA sent
27/04 letter received from Blair ect..dated 23/24, thanking me for my request for A NEW/ UPDATED TEMPORY REPAYMENT PROGRAM ??????
they confirm that my proposal to pay £1.00 a month is acceptable and i should pay them by the 22nd of each month, should I miss one instalment, legal procedings could be instigated without further notice.

new office juniors??

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tsb trustcard/lloyds cc
still with OC
start date 1978
taken over by Lloyds 1982
ballance £5,662.27
defaulted 2002
have just stopped payment as niddy says
26/04 letter from Ltsb "your repayments are in arrears and a payment of £12.00 is required" to avoid further action all payments should be made on the due date agreed.

quick update for those that have not seen other thread on this account

CCA req sent Sept 2010
letter rec, because account was opened before 19th May 1985 they don't have to comply with CCA req, but they enclose current T&C and statement of account containing present address(didn't live here when account was opened)they assure us we would of signed an agreement when the account was opened as that was always their policy.It was a TSB account that Lloys took over in 82 . they are endevoring to locate a copy and will send it to us.
2011 letter sent asking where signed copy is
2011. letter rec. as stated they are looking for it and will send it when found this is their final responce
Oct 2011 CPUTR sent
Oct 2011 SAR sent
Nov 2011 reply to CPUTR. they have nothing further to add to the previous letter, it was a final responce
23rd Dec 2011 reply to SAR. in the middle it states
04/11 request for copy signed app to be forwarded to head office
01/11 General support and processing, UNABLE to find app in gen s&p, request not sent to aquire as account opened prior to their records
so we still await the signed copy they don't have but are looking for

[Susie]

Re: Nightwatch & Hubbys Diary of debt

Have a cup of tea while they are looking, the longer it takes the better it is for you and with a bit of luck if you ignore them they will forget you and leave you in peace for a few years

Edited to add I requested mine in 2010 and am still waiting!

[swanfan]

Re: Nightwatch & Hubbys Diary of debt

so we still await the signed copy they don't have but are looking for

2 years later LloydsTSB haven't found mine.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
ballance £4700
defaulted 2003
prorata payments up ro date OC

12/04 CCA sent
03/05 letter received, dated 21/04, unable to deal with request as it is not signed

they also returned the letter and payment.will send sig not required letter, but as they rushed to send paperwork back to me. it will go 2nd class with proof of posting

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

quick update for those that have not seen other thread on this account

CCA req sent Sept 2010
letter rec, because account was opened before 19th May 1985 they don't have to comply with CCA req,

That's not just poppycock - from the Old Dutch pappe cakke, of course, meaning 'soft shit' - it's utter botty bisto!

Here - link - is the original version of s78 of the Consumer Credit Act 1974. The salient differences are the size of the fee - a mere 3 shillings in 1974 - and that, if the creditor does not provide the document(s) requested in one month, the creditor has committed a criminal offence.

Perhaps Llllloyds-TSB can explain how they seem to suppose 1985 took place before 1974?

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

they also returned the letter and payment.will send sig not required letter, but as they rushed to send paperwork back to me. it will go 2nd class with proof of posting

Alternatively, you could just send them a letter reminding them that, until/unless they finally deign to comply with your request under s78(1) of the CCA, section 78(6) will apply and that the alleged debt remains unenforceable.

[pepe2008]

Re: Nightwatch & Hubbys Diary of debt

new office juniors??

Nah..... same old Office Morons ...

[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

the "original"T&C have an intrest rate on them but not a default fee to be seen anywhere, just says "you will pay all reasonable expenses incurred??

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

the "original"T&C have an intrest rate on them but not a default fee to be seen anywhere, just says "you will pay all reasonable expenses incurred??

What's Niddy said about the cca?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lombard cc
started 1999
ballance £2800
Defaulted 2008
prorata payments to date

12/04 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signiture

This is getting silly now with this lot from southend on sigh

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

What's Niddy said about the cca?

it's a blank form with hubbys name and address typed in
will send to his Niddy shipthe "original"T&C have an intrest rate on them but not a default fee to be seen anywhere, just says "you will pay all reasonable expenses incurred??

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

What's Niddy said about the cca?

just about to send it Pixie, will post up when he replys x