SXGuy's UE Diary

[SXGuy]

Re: SXGuy's UE Diary

Well, i said the other day i woke up to some real shitty post....

Well today, i woke up to an email from Niddy, which made it all better!

MBNA IS

The prescribed terms mention clause 9.4 which is MISSING from the agreement and the T's & C's

Im so happy!

[SXGuy]

Re: SXGuy's UE Diary

can we stop getting harassed until Niddy actually looks at decides whether or not it's UE or not, then we'll get a plan. Mr D and I have seen DLC off with a very large slightly UE so hold on until you know what's what. They are very good at threats, but that is about it.

Sounds like a good idea to me! dont worry im not stressting just disapointed they found "something" to chuck at us lol

My MBNA agreement looked kosher to me...but Niddy said it was UE.

However, there do seem to be a lot of court proceedings being issued on behalf of MBNA at the moment.

Wait until Niddy's seen the cca

Yep that had crossed my mind also, its like they discovered an old hard drive lurking in their basements lol

[Pixie]

Re: SXGuy's UE Diary

My MBNA agreement looked kosher to me...but Niddy said it was UE.

However, there do seem to be a lot of court proceedings being issued on behalf of MBNA at the moment.

Wait until Niddy's seen the cca

[MrsD]

Re: SXGuy's UE Diary

can we stop getting harassed until Niddy actually looks at decides whether or not it's UE or not, then we'll get a plan. Mr D and I have seen DLC off with a very large slightly UE so hold on until you know what's what. They are very good at threats, but that is about it.

[SXGuy]

Re: SXGuy's UE Diary

Tell me about it.

Was the first account i went down UE route with as well!

Will wait for niddys response, see what we can do.

[Bricktop]

Re: SXGuy's UE Diary

Update, woke up today with some really shitty post.

DLC RE MBNA have actually sent the CCA, took them nearly a year.

That sucks.

[SXGuy]

Re: SXGuy's UE Diary

Update, woke up today with some really shitty post.

DLC RE MBNA have actually sent the CCA, took them nearly a year.

Appears to all be kosher, but will email Niddy anyway.

If Niddy finds it enforceable i need to decide what to do, as DLC have been quite heavy handed with threats of CCJ's and CO's and i believe they are likely to apply for one even if they agree a monthly repayment.

So if Niddy confirms enforceable, i wouldnt mind some opinions from you guys about what i should do with this, and the best options ive got.

[SXGuy]

Re: SXGuy's UE Diary

Very hard if they don't have one, impossible for them to admit the fact.

And yes, they are beyond stupid, been on the Nat West letter merry go round for a little while myself

Its crazy though, two natwest accounts, one admitted UE and dropped it, the other just keeps going round in circles, no standard procedure with these idiots

[Bricktop]

Re: SXGuy's UE Diary

How hard is it for them to just send the CCA or admit they dont have one, these guys are beyond stupid.

Very hard if they don't have one, impossible for them to admit the fact.

And yes, they are beyond stupid, been on the Nat West letter merry go round for a little while myself

[SXGuy]

Re: SXGuy's UE Diary

Hey guys, little update

Natwest have replied to my 2nd no signature letter sent to them. This time they havent returned the PO but have sent a letter saying

"sorry to see you are unhappy with our service, we have refered the matter to our complaints department and will write to you by 21st November"

They have also enclosed their complaints procedure leaflet lol

How hard is it for them to just send the CCA or admit they dont have one, these guys are beyond stupid.

[SXGuy]

Re: SXGuy's UE Diary

Thanks guys, you are all correct, i know.

Im glad i have you guys to bring me back down and see sense.

[ScabHunter]

Re: SXGuy's UE Diary

Remember – The clock is your friend.

To win the game, they need to take aggressive action at their own expense. That is, issuing a court claim. If they have already admitted that they cannot enforce, they would be incredibly stupid to do that.

You can win the game simply by doing nothing and allowing the limitation clock to expire.

Make sure that whatever you do is prompted by your own reasoning, and not by any anger or other emotions which others may have instilled within you. If you allow their anger to prompt your actions, you will have surrendered control of the situation to the enemy.

It is only the template dalek spewing out more threats it cannot carry out. Situation normal. Nothing to worry about.

SH

[SA Gold]

Re: SXGuy's UE Diary

in an effort to get me to bite, (i guess its worked as im biting)

i think that is exactly what they are attempting to do mate. Don't let them have the satisfaction.

[jen_br]

Re: SXGuy's UE Diary

Sometimes writing it... throwing it out is good therapy

[SXGuy]

Re: SXGuy's UE Diary

Coupled with a client non stop ringing begging to help him get a mortgage no lender will ever agree, i think today has just done me in. LOL

Im gonna have a large whiskey me thinks.