SXGuy's UE Diary

[nanna58]

Re: SXGuy's UE Diary

Are they trying to make you think they care ? Dimwits

[SXGuy]

Re: SXGuy's UE Diary

So I got a reply from 1st credit regarding my complaint about the threat of issuing a SD. Usual cop out, they said they were not threatening to do it but merely pointing out what avenues they have at their disposal to pay the outstanding debt. They said my CCA Request crossed in the post with their letter so it shouldn't have been sent as I had started to communicate with them. But as they are now aware of my mothers recent health issues they have passed the account on to their specialised section that deals with debtors who are ill? Forget the actual department name as the letter isn't in front of me. But sod knows what difference that makes. Less demanding threats for repayment? Who knows still waiting for the CCA Request to come back so will re look at the situation then

[SXGuy]

Re: SXGuy's UE Diary

Mine was a Money & More card. Shame really

[MrsD]

Re: SXGuy's UE Diary

Receieved another CCA responce from Arrow who bought the M & S debt. From what i can see its the same stuff, ill double check Monday, but as it stands, its still enforceable.

They state in their letter they have passed the administration on to someone else who will be in contact shortly. No threat to pay at the moment, so will wait for the next desk to send a letter and think about where i go from here.

Be a shame to start paying this one after a few years of no payments.

mine is at exactly the same stage, although mine is unenforceable due to it being an old chargecard, had the same letter, waiting to see what happens as well

[nightwatch]

Re: SXGuy's UE Diary

I have one that is enforcable. I have ben sending a SWID or a Missing PT letter since 2011 and held them off so see what comes next xx

[SXGuy]

Re: SXGuy's UE Diary

Receieved another CCA responce from Arrow who bought the M & S debt. From what i can see its the same stuff, ill double check Monday, but as it stands, its still enforceable.

They state in their letter they have passed the administration on to someone else who will be in contact shortly. No threat to pay at the moment, so will wait for the next desk to send a letter and think about where i go from here.

Be a shame to start paying this one after a few years of no payments.

[SaltnVinegar]

Re: SXGuy's UE Diary

Received another letter from 1st credit. Crossed the post with my CCA Request. This one is a threat of statutory demand for bankruptcy. It says they may consider applying for one if they don't hear from me. They should have received the CCA Request now so while that's outstanding I have a defence. Will need to consider the next move however once they comply. Think Niddy has a mate at 1st credit should it get nasty?

Hmm, I'll look forward to that one then as my Lloyds account has also been sold to 1st Credit, though its barely above the £750 BR threshold.

[SXGuy]

Re: SXGuy's UE Diary

Received another letter from 1st credit. Crossed the post with my CCA Request. This one is a threat of statutory demand for bankruptcy. It says they may consider applying for one if they don't hear from me. They should have received the CCA Request now so while that's outstanding I have a defence. Will need to consider the next move however once they comply. Think Niddy has a mate at 1st credit should it get nasty?

[SXGuy]

Re: SXGuy's UE Diary

Just a little update. Received a standard letter from 1st credit regarding Lloyds, were here to help etc. Enclosed a nice I and E form that's gone in the bin. Still waiting for them to supply a CCA so will ignore and wait for next letter

[Grassy_K]

Re: SXGuy's UE Diary

update, Lloyds have assigned all rights to First Credit. Came with a letter from First credit confirming absolute assignment also.

Dated 5th December.

Will wait to receive a chasing letter from 1st Credit before I send SWID letter.

This one is the agreement where the terms are illegible. Think Niddy deemed this UE a few years ago, no ones been able to produce a better copy as yet.

Yet to receive any response from Lloyds at all to my CCA request and chaser letters, it's been MONTHS now... lol

[SXGuy]

Re: SXGuy's UE Diary

Both last paid end of may 2012.they can't produce any cca's for either account and have addlmitted it.

[Never-In-Doubt]

Re: SXGuy's UE Diary

When did you last pay? They should be terminating / defaulting within a few months but no later than 9.... If you're fighting UE then I'd not be overly concerned at this stage.

[SXGuy]

Re: SXGuy's UE Diary

both are credit cards mate. Keeps adding interest each month, still receive a statement so not terminated, keeps increasing the overall minimum payment due each month. interest has gone above original credit card balance.

Keep us updated mate, with 1st I'd not send a SWID - I'd send a new CCA - they won't entertain your blagging letters, they will just get arsey. So send a new CCA - then we can take it from there

Will do mate.

[Never-In-Doubt]

Re: SXGuy's UE Diary

Just thought id mention, still receiving statements for two NW accounts, not paid for nearly 3 years.Since the original outstanding balance was something like 7k, they are obviously adding interest to this every month as well.

Is it a current account / card / loan?

[Never-In-Doubt]

Re: SXGuy's UE Diary

update, Lloyds have assigned all rights to First Credit. Came with a letter from First credit confirming absolute assignment also.

Dated 5th December.

Will wait to receive a chasing letter from 1st Credit before I send SWID letter.

This one is the agreement where the terms are illegible. Think Niddy deemed this UE a few years ago, no ones been able to produce a better copy as yet.

Keep us updated mate, with 1st I'd not send a SWID - I'd send a new CCA - they won't entertain your blagging letters, they will just get arsey. So send a new CCA - then we can take it from there