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  • #151
    Re: Nightwatch & Hubbys Diary of debt

    Originally posted by Never-In-Doubt View Post


    Just ignore this nonsense - let em sell it
    I notice they don't mention legal action
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #152
      Re: Nightwatch & Hubbys Diary of debt

      Originally posted by nightwatch View Post
      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.
      statement from BOS showing £1.00 payment taken off account

      is there a complaint letter to send for using CCA fee against debt balance ,and totaly ignoring the words "NOT to be used except for CCA request"
      I even put it on the back of the payment
      Last edited by nightwatch; 12 May 2012, 11:20. Reason: update
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #153
        Re: Nightwatch & Hubbys Diary of debt

        Originally posted by nightwatch View Post
        statement from BOS showing £1.00 payment taken off account

        is there a complaint letter to send for using CCA fee against debt balance ,and totaly ignoring the words "NOT to be used except for CCA request"
        I even put it on the back of the payment
        Have you stopped paying this ?
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #154
          Re: Nightwatch & Hubbys Diary of debt

          Originally posted by in 2 deep View Post
          Have you stopped paying this ?
          YES not paid for last 2 months
          Last edited by nightwatch; 12 May 2012, 12:24.
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #155
            Re: Nightwatch & Hubbys Diary of debt

            Originally posted by nightwatch View Post
            statement from BOS showing £1.00 payment taken off account

            is there a complaint letter to send for using CCA fee against debt balance ,and totaly ignoring the words "NOT to be used except for CCA request"
            I even put it on the back of the payment
            I Would send them this-----> CCA Reminder - Unenforceability Threat with copy of your CCA request don't send £ 1.00
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #156
              Re: Nightwatch & Hubbys Diary of debt

              Originally posted by nightwatch View Post
              YES not paid for last 2 months
              Blur onion & scff sent me a letter saying the arangement was due for review, I sent back CCA request and received a letter saying "£1.00 will be acceptable and to make sure I paid it every month or else"
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #157
                Re: Nightwatch & Hubbys Diary of debt

                Originally posted by nightwatch View Post
                Blur onion & scff sent me a letter saying the arangement was due for review, I sent back CCA request and received a letter saying "£1.00 will be acceptable and to make sure I paid it every month or else"
                Can't read.....
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #158
                  Re: Nightwatch & Hubbys Diary of debt

                  Originally posted by nightwatch View Post
                  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

                  16/05 letter received(14/05) they have sent to barclays?? for a copy of the T&C a duplicate will be sent to me,they ask that I "Please" confirm my payment proposal for the account by return
                  they may be waiting some time. Should I have sent my Barclays request somewhere else??
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • #159
                    Re: Nightwatch & Hubbys Diary of debt

                    Originally posted by Never-In-Doubt View Post


                    Just ignore this nonsense - let em sell it
                    Originally posted by nightwatch View Post
                    I notice they don't mention legal action
                    Nor, mercifully, illegal action.

                    Comment

                    • #160
                      Re: Nightwatch & Hubbys Diary of debt

                      cloggy you makes I larff
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #161
                        Re: Nightwatch & Hubbys Diary of debt

                        Originally posted by nightwatch View Post
                        they may be waiting some time. Should I have sent my Barclays request somewhere else??
                        No, as they claim to be the current organ grinders.

                        Comment

                        • #162
                          Re: Nightwatch & Hubbys Diary of debt

                          Originally posted by CleverClogs View Post
                          No, as they claim to be the current organ grinders.
                          just thought as they have sent a Cap 1 req to Barcs, I should of sent my Lloyds req to nationwide?
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                          • #163
                            Re: Nightwatch & Hubbys Diary of debt

                            Originally posted by nightwatch View Post
                            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. returned with 'no sig required' temp
                            19/05 letter from D Munn,(7/5) 'HE' is disapointed to note that I have failed to comply with 'OUR' agreement,unles 'HE' receives an immediate payment as arranged 'HE' will have no alternative but to place my account in the hands of an external DCA
                            do Tesco know that He is sending out personal letters
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                            • #164
                              Re: Nightwatch & Hubbys Diary of debt

                              Originally posted by nightwatch View Post
                              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


                              Missing PT letter sent
                              19/5, Letter from Rockwell, they are dissapointed to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we havehad regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
                              If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
                              I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
                              Rockwell are acting agents of M&S
                              Plonkers
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                              • #165
                                Re: Nightwatch & Hubbys Diary of debt

                                Originally posted by nightwatch View Post
                                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
                                16/05 letter received(14/05) they have sent to barclays for a copy of the T&C a duplicate will be sent to me,they ask that I "Please" confirm my payment proposal for the account by return
                                statement from Link for this account has it as a LOAN agreement
                                its a chuffin credit card !!!
                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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