Nightwatch & Hubbys Diary of debt

[nightwatch]

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??

Niddy says will be sending missing PT letter

[CleverClogs (RIP)]

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

It is also patently untrue, as they can send what they claim fulfils your request - they have merely decided not to do so without a signature on the letter. This is commonly known as playing at Silly Buggers.

However, what they genuinely cannot do is enforce the alleged agreement for as long as they refuse to comply with your request.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

thanks Cloggy

it must be RBS policy to try and wind you up. evry one else has complied without a signiture.
they will get it back snail mail with a line or two pointing out unless they comply with the request the alleged debt is unenforcable and I will not corespond further

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

it must be RBS policy to try and wind you up. evry one else has complied without a signiture.
they will get it back snail mail with a line or two pointing out unless they comply with the request the alleged debt is unenforcable and I will not corespond further

I believe you should thank them for having chosen to make the alleged debt unenforceable.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2350
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says

pitty but never mind

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

pitty but never mind

Are you going to blag this?

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Yes. I suggest she send the missing PT's

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

Yes. I suggest she send the missing PT's

just so I know what's going on........

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc
started 1997
ballance £1645
default 2007
prorata upto date OC

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA

Still waiting for the CCA, it was sent in the same envelope as the request for the reserve account ,so they have had it,they sent this account to Rockwell in 2010 I ignored them and they sent it back to MnS

[CleverClogs (RIP)]

Re: Nightwatch & Hubbys Diary of debt

M&S sc
started 1997
ballance £1645
default 2007
prorata upto date OC

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA

Was that a store card, a credit card or an 'upgraded' store card?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Hi cloggy

It's just a store card/Charge card account, think I stopped full payments just before thay changed them
NW

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

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

Ignored as per instructions " it was their final response letter"
08/05 letter received from carp 1,YOU are in arrears, it is important you read and respond to this letter.
if they do not receive the outstanding payment,they may pass the account to a DCA to recover the full outstanding balance,OR, they may choose to sell the account to a debt purchaser.

do I ignore?

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Ignored as per instructions " it was their final response letter"
08/05 letter received from carp 1,YOU are in arrears, it is important you read and respond to this letter.
if they do not receive the outstanding payment,they may pass the account to a DCA to recover the full outstanding balance,OR, they may choose to sell the account to a debt purchaser.

do I ignore?

Just ignore this nonsense - let em sell it

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Hi cloggy

It's just a store card/Charge card account, think I stopped full payments just before thay changed them
NW

see what they do, if you requested CCA then cannot really expect to enforce if the request remains outstanding.....

Keep us updated

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

thanks Niddy for both the above replys, will keep you updated

NW