Nightwatch & Hubbys Diary of debt

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

They would aver that the rubbish they sent was a valid "twue copy" reconstitution, as permitted by His "Honour" Judge (Wacky) Waksman.

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Muppets spring to mind

Obviously the fact the account is ue and there was ppi leaves you in a good position to stand your ground with this one.

Is there anything I need to do or are we up to date? Sorry been manic few days

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Muppets spring to mind

Obviously the fact the account is ue and there was ppi leaves you in a good position to stand your ground with this one.

Is there anything I need to do or are we up to date? Sorry been manic few days

up to date on this one

[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

I thought it WAS enforcement to 'bring legal proceedings if in default

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

I thought it WAS enforcement to 'bring legal proceedings if in default

Just ignore for now I got 2 letters just like that here........ that was there final response

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

I thought it WAS enforcement to 'bring legal proceedings if in default

It is but, according to "Justice" Flaux's flawed flummery, it is not enforcement to commence proceedings which, when defended, will be stayed or struck out.

One might wonder if "Justice" Flaux could accurately determine the difference between his ischial crests and the distal end of a humerus.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

It is but, according to "Justice" Flaux's flawed flummery, it is not enforcement to commence proceedings which, when defended, will be stayed or struck out.

One might wonder if "Justice" Flaux could accurately determine the difference between his ischial crests and the distal end of a humerus.

Iitake it thats his 'Ass and his elbow'

[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

we are still waiting for the true copy of the agreement and t&c for this what they sent last time was a blank app with the name and address typed on it, sent the missing t&c letter and they replyed saying they were contacting mbna, got heard a thing till this

[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

shall i send the none compliance with CCA request letter

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

shall i send the none compliance with CCA request letter

I Would send this----->CCA Reminder - Unenforceability Threat

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Yea send this (put two in same envelope - one for each account) ---> Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

I Would send this----->CCA Reminder - Unenforceability Threat

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

ok me thinks Link have made a boob

on re reading the letters they have sent they have taken the £1.00 CCA fee for the 2nd account, off the 1st account.
they have replyed to my missing T&C letter for the 1st account with what should have been my CCA request for the 2nd account, so they are sending a 2nd request for a cca for the 1st account, so I have ;

written an unenfocability/legal threat letter for my account
"" a none compliance with CCA for hubbys 2nd account
" a letter for 1st account, pointing out that the £1.00 sent was for use only for a CCA request and asking for it back, and pointing out I am waiting for a reply from them about my last letter

all the above state no payment will be made untill my requests are met

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

ok me thinks Link have made a boob

No more than usual - those arrogant jerks seem to think that neither the Consumer Credit Act 1974 nor the Protection from Harassment Act 1997 applies to them.

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

OR - as they're in direct default of 2 s.78's right now, they're gonna struggle to enforce.

If it was me, I'd have smiled and said thanks - and left it. They're kinda fooked but if you go and do their job for them, well that's a different story

Just my opinion really. Technically you have 2 UE accounts sat here until they fix things