SXGuy's UE Diary

[IF]

Re: SXGuy's UE Diary

Thanks IF

No worries, I know we all have 'our' bad days eh!!

[SXGuy]

Re: SXGuy's UE Diary

I think that's wise SXGuy

Thanks IF

[SXGuy]

Re: SXGuy's UE Diary

There's also a letter template for CO threats ---> Our Templates | Unenforceability Templates | Threat by Creditor - To Apply for a Charging Order

Thanks FP, that is closer to a letter i was hoping to send.

I just dunno what to do for the best, i dont want to open up dialog again since they have had my final response, they know they cant enforce, admitted it enough.

They send letters like, " we have some new information, please ring us" or, arrears notices and annual statements, which i know they are required to send by law, and i dont mind all that.

But i am just really angry at the fact they then threaten something they know they cant do, in an effort to get me to bite, (i guess its worked as im biting)

[IF]

Re: SXGuy's UE Diary

Perhaps ignoring it is the way forward, as they know full well they are not going to apply for a CCJ or charging order.

I think that's wise SXGuy

[SXGuy]

Re: SXGuy's UE Diary

Errrrr

Whilst I appreciate your efforts ensure that the letter is correct some of these letters were created in a very specific format. Why do you feel the need to respond to this one?

You could be rocking the boat that is all I am going to say I would send what I2D is suggesting .

They had the letter I2D is suggesting, they have had every letter i could ever send from the template section. Every time they have agreed they can not enforce, and have apologised for threatening action.

I was angry earlier and maybe i jumped the gun a bit, i can see that repsonding may just do what they are hoping and start up a dialog again, which is what i dont want to do, but i am sick of their idle threat that they do know very well they cant do.

Perhaps ignoring it is the way forward, as they know full well they are not going to apply for a CCJ or charging order.

[SA Gold]

Re: SXGuy's UE Diary

Sounds like someone in the Chief Executive office learning to play noughts and crosses.

SH

lol

[jen_br]

Re: SXGuy's UE Diary

Errrrr

Whilst I appreciate your efforts ensure that the letter is correct some of these letters were created in a very specific format. Why do you feel the need to respond to this one?

You could be rocking the boat that is all I am going to say I would send what I2D is suggesting .

[SXGuy]

Re: SXGuy's UE Diary

right, im going to write to them using a edited version of one of Niddys special's

Dear Sirs

Account No/Reference No: XXXXXXXX & XXXXXXXX

I am getting sick and tired of your repeated harassment regards the above account and unless it ceases immediately I will report your conduct to the FOS, the OFT and Trading Standards.


Further, I do wonder what the Ministry of Justice and the Office of Fair Trading have to say about your repeated threats of court action, whereby you clearly state that "further to this all court and solicitor fees would be added to your balance...". I guess you're aware that it is not for you to decide the fate of costs, it is for the Judge to decide on such matters however when faced with my counterclaim for strike-out based on the fact you are in direct breach of varying legislation (s.61, s.78, s.127, s.87, s.88 CCA1974) coupled with the actual original creditors signed declaration that they cannot locate an original agreement, well we both know that these agreements cannot be enforced by a Judge in line with s.127(3) CCA1974.

I suggest you familiarise yourself with other case law regards this matter and any future threats from your offices will result in my taking action against you.

I rest my case.

If you ever write to me using any of the misleading threats, language or general mannerisms again then i'll take this as far as I can and report your conduct and question your suitability to retain your consumer credit licence.

[SXGuy]

Re: SXGuy's UE Diary

i dont mind them asking for payment, its the idle threats that is now starting to annoy me. Their pure ignorance in this whole matter.

If they said, your payment is outstanding fine, but if they say, we are gonna stick a charging order on your house, that is clearly a threat which has no basis of truth.

Im def thinking of reporting these muppets.

[The Tech Clerk]

Re: SXGuy's UE Diary

They should stop idle threats, but there can request payments, after 6 years England if they contact after statute barred then can be told no letters as you will not be paying the,. then report them if they do.

[SXGuy]

Re: SXGuy's UE Diary

i know, but i can report them right? how can they threaten somthing they know they cant do? isnt that misleading, victious, and a deliberate attempt to misrepresent?

[Deepie]

Re: SXGuy's UE Diary

Unfortunately nothing stopping them threatening you..........

[SXGuy]

Re: SXGuy's UE Diary

I2D i have sent them everything,

they have had all the template letters, ive even sent their solicitors enough is enough and they have wrote back agreeing they wont try and enforece the debt.

All i got from them after that were arrears notices and yearly statement.

They know they cant enforce this, im not worried that they may try, i just want them to stop and close the account as its getting beyond the joke now.

[Deepie]

Re: SXGuy's UE Diary

hey guys.

Got an update that i feel deserves a bit of attention, its gotten stupid now and ive personally had enough.

DLC / Hilliesden re MBNA, have sent my mother one of there template letters, saying they have checked the land registry and see shes a home owner and will be applying for a CCJ and charging order within the next 7 days if payment proposal isnt made.

Now i have had a number of letters from them admitting UE, they continue to send out their junk regarding this debt as a matter of course and i have been willing to ignore it, because i know they have nothing to produce at court.

But this is the first threat she has received since last December when they first started with this nonsense.

Other DCA's and credit card companies, have closed their accounts by now, and DLC continue to try and keep this open when they know full well MBNA have nothing to produce.

I assume that MBNA have also told them this in writing, so what they hope to acheive i do not know.

But what i feel is not on anymore is threating stuff they have no right to threaten, based on the fact no CCA has ever turned up, they admit 3 times thats its UE, and now they threaten charging orders.

I am seriously thinking of now reporting them to all the relevant bodies, and i wonder if someone can help me to complie a list of people i need to contact and how my letter should be formatted?

Niddy, if you read this, maybe you could help to stop these twats once and for all, as i am now sick of it. Maybe a Niddy special would work, i dont know.

Have you sent them this--------> CCA Query - Letter Previously Confirming No CCA

[SXGuy]

Re: SXGuy's UE Diary

hey guys.

Got an update that i feel deserves a bit of attention, its gotten stupid now and ive personally had enough.

DLC / Hilliesden re MBNA, have sent my mother one of there template letters, saying they have checked the land registry and see shes a home owner and will be applying for a CCJ and charging order within the next 7 days if payment proposal isnt made.

Now i have had a number of letters from them admitting UE, they continue to send out their junk regarding this debt as a matter of course and i have been willing to ignore it, because i know they have nothing to produce at court.

But this is the first threat she has received since last December when they first started with this nonsense.

Other DCA's and credit card companies, have closed their accounts by now, and DLC continue to try and keep this open when they know full well MBNA have nothing to produce.

I assume that MBNA have also told them this in writing, so what they hope to acheive i do not know.

But what i feel is not on anymore is threating stuff they have no right to threaten, based on the fact no CCA has ever turned up, they admit 3 times thats its UE, and now they threaten charging orders.

I am seriously thinking of now reporting them to all the relevant bodies, and i wonder if someone can help me to complie a list of people i need to contact and how my letter should be formatted?

Niddy, if you read this, maybe you could help to stop these twats once and for all, as i am now sick of it. Maybe a Niddy special would work, i dont know.