Nightwatch & Hubbys Diary of debt

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
ballance £8,500
Defaulted 2007
prorata payments up to date

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!

Why are you paying this? Have you sent for CCA?

Pretty much same as above, you're throwing good cash away - if you're that flush send it to us please....

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

after sending a reminder to barcs that my SAR request was to cover ALL info they held on me, they sent me details of my second account with them, as yet no agreement.
but they sent seperately some copy statements for 2006/7
I have never had these as they stopped sending statements end of 2004,
they ask if i had forgotten them as my account is in arrears.
present balance £6555 as of Feb 2006.
would i like to send an immediate payment of £6,500, followed by a further payment of £6,500 by the end of the month,if these payments caused a problen i could call them,
oh yes, they had also suspended my account.

my masterloan is nowhere to be seen on the SAR

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Why are you paying? I would cease payments as the default has been and gone, so unless you get a court claim - what can they do?

Based on the age and type of account, I would seriously consider my options and ask myself, why am I paying this money?

have stopped payments waiting for reply to cca

others will be sent cca requests as of !st march when hubby gets paid

[Pip]

Re: Nightwatch & Hubbys Diary of debt

would i like to send an immediate payment of £6,500, followed by a further payment of £6,500 by the end of the month,if these payments caused a problen i could call them,

I'm sure you'd be delighted to bung £13,000 their way and that it won't cause the slightest problem to do it within the next five days (it's a leap year so you've got an extra day to look down the back of the settee to find 1,300,000 pennies)!

[Deepie]

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

N W when you update your diary...once you have updated press Quote ( bottom right ) then add a little note ....that will make it easy to follow

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

after sending a reminder to barcs that my SAR request was to cover ALL info they held on me, they sent me details of my second account with them, as yet no agreement.
but they sent seperately some copy statements for 2006/7
I have never had these as they stopped sending statements end of 2004,
they ask if i had forgotten them as my account is in arrears.
present balance £6555 as of Feb 2006.

Why isn't this statute barred?

(SharkleyCard)would like (me) to send an immediate payment of £6,500, followed by a further payment of £6,500 by the end of the month,if these payments caused a problen i could call them,

I'm sure you'd be delighted to bung £13,000 their way and that it won't cause the slightest problem to do it within the next five days (it's a leap year so you've got an extra day to look down the back of the settee to find 1,300,000 pennies)!

Or 780,000 groats?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (1)

start date 1998
Ballance £5500
Defaulted 2002
No payments made since Aug 2011 when they returned my payment as unrecognised account, no reply to letter sent.
Sold to Cabot Nov 2011 ignored letters CCA going off on monday
02/02/12 letter from cabot, they are requesting cca from barcs, and have returned my £1.00
220/02 cabot are still waiting to hear from barcs
23/02 copy of statements requested by SAR received 2006/7 i never had these as barcs stoped sending me statements in 2005 one dated sept 2006 asked for a payment of £6,471.10 immediatly followed by a further £6,459.23 to reach them by Oct 2006
27/02 letter from cabot, barcs are experiencing a delay in obtaining information from their archive.

cabot would like to remind me that although they are still awaiting the information my debt remains legally due . so they recommend i make repayments toward my account accordingly

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

cabot would like to remind me that although they are still awaiting the information my debt remains legally due . so they recommend i make repayments toward my account accordingly

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

mbna cc hubbys
started 1997
ballance £1200
default 2002
with Link financial

28/02 letter asking for proposals for increase in payments, i&e, and demanding a phone no. for them to contactus on

i have sent cca request so will ignore the above, they have tried to call but no, is blocked by trucall

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

cabot would like to remind me that although they are still awaiting the information my debt remains legally due . so they recommend i make repayments toward my account accordingly

Just file it.

[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

sorry to send so much Niddy but don't know quite what to make of it

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

I'll check emails shortly - bear with me.....

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Sounds like MBNA won't be able to find the CCA being from the 90s & defaulted 10 ys ago. Was this an original MBNA card?

Sounds like 1st Crud have purchased a lemon. No CCA = nothing they can do to recover!

You're not still paying on arrangment, are you?

was paying till dec.
they were really nasty when they took it over in 2002, one woman said i was a stupid cow to get in debt and they were going to take my house off me
no recording of calls then and no Niddy

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

was paying till dec.
they were really nasty when they took it over in 2002, one woman said i was a stupid cow to get in debt and they were going to take my house off me
no recording of calls then and no Niddy

Bastards - I wish we was about back then, if they said that now we'd go for their licence

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

I'll check emails shortly - bear with me.....

don't rush, it may take me sometime !!