SXGuy's UE Diary

[vint1954]

Re: SXGuy's UE Diary

I would wait until they contact you again.

[nightwatch]

Re: SXGuy's UE Diary

Rockwell have one of my M&S accounts, they keep begging me for Money and I keep filing the letter away

[SaltnVinegar]

Re: SXGuy's UE Diary

Take their letter how you will, it could either mean they do not have the power to commence legal proceedings, or they will just pass back to OC after 30 days

Probably means both

[SXGuy]

Re: SXGuy's UE Diary

Rockwell have one of my M&S accounts, they keep begging me for Money and I keep filing the letter away

lol thats good to know, i shall do the same.

Im actually quite sad about this one, M&S have been the most reasonable, and kind firm ive encountered over the years, even when my mother had to reduce payments, they were more than happy to help her, just a shame that it has to be done.

[nightwatch]

Re: SXGuy's UE Diary

lol thats good to know, i shall do the same.

Im actually quite sad about this one, M&S have been the most reasonable, and kind firm ive encountered over the years, even when my mother had to reduce payments, they were more than happy to help her, just a shame that it has to be done.

same here, then all of a sudden they started acting silly, agreeing to a reduced payment and then sending me letters saying they hadden't heard off me and to pay up or else, then suddenly passing both accounts to a DCA so started to play silly bugger myself, both are enforcable so will have to pay something soon i suppose, but for the meantime they can wait

[SXGuy]

Re: SXGuy's UE Diary

Little update

Apex today sent a letter saying the account is on hold for 28 days while they contact Mint regarding CCA. LOL

No doubt ill get yet another copy of the junk the previous DCA's have sent me.

So will get the missing PT's ready.

[SaltnVinegar]

Re: SXGuy's UE Diary

Little update

Apex today sent a letter saying the account is on hold for 28 days while they contact Mint regarding CCA. LOL

No doubt ill get yet another copy of the junk the previous DCA's have sent me.

So will get the missing PT's ready.

Hopefully they'll find nothing and Apex will have to hand the account back or send you toothless letters appealing that you still have a duty to pay.

[SXGuy]

Re: SXGuy's UE Diary

To be honest, mint will more than likely send them the same agreement, that the others and them have sent in the past.

Every DCA has sent the same copy, its had 3 now i think.

So ill expect to receive it, but im hoping that like the others before, they will still just go quiet and give up after missing PT's

[SXGuy]

Re: SXGuy's UE Diary

Small update, westcot have put the account on hold while they contact OC

M&S wrote to me today, quite honoured, loads of drivvel about the CCA being a genuine true copy, is enforceable, and will continue collection activities.

I know this already, but ill have a bit more fun with the DCA for a while first, so ignored and filed away waiting on DCA letter.

[The Tech Clerk]

Re: SXGuy's UE Diary

Small update, westcot have put the account on hold while they contact OC

M&S wrote to me today, quite honoured, loads of drivvel about the CCA being a genuine true copy, is enforceable, and will continue collection activities.

I know this already, but ill have a bit more fun with the DCA for a while first, so ignored and filed away waiting on DCA letter.

Usual dribble from Wescot, we had one to-day from them on hold, but you can ring and pay us = yeah right, the daughter had the same letter December it is a template response as word for word.

[SXGuy]

Re: SXGuy's UE Diary

Another letter from Westcot, confirming their client complied with the CCA Request last july, cant see any dispute, contact them within 14 days with a valid dispute or collections will continue.

So will reply to them next week with refusual to accept UE status, unless anyone else tells me to send something else.

Apex have sent yet another illegable copy of my CCA from Lloyds. This time they have kindly wrote, "best copy" at the top LOL, enclosed prescribed terms, no T's and C's from any point.

Will reply to them next week also, wondering whether to send missing PT's or send illegable copy received, not sure.

There letter just says, please find enclosed documents requested, they dont even attempt to tell me the CCA Request was satisfied or ask for payment.

[oldyboy]

Re: SXGuy's UE Diary

Another letter from Westcot, confirming their client complied with the CCA Request last july, cant see any dispute, contact them within 14 days with a valid dispute or collections will continue.

So will reply to them next week with refusual to accept UE status, unless anyone else tells me to send something else.

Apex have sent yet another illegable copy of my CCA from Lloyds. This time they have kindly wrote, "best copy" at the top LOL, enclosed prescribed terms, no T's and C's from any point.

Will reply to them next week also, wondering whether to send missing PT's or send illegable copy received, not sure.

There letter just says, please find enclosed documents requested, they dont even attempt to tell me the CCA Request was satisfied or ask for payment.

Hi SXG,

I think you're spot on with the Wescot one, and as for Apex, if I were you I'd be tempted to send off the 'Illegible Copy' template. After all, if you can't read the damn thing how are you supposed to know what's there or not?

[SXGuy]

Re: SXGuy's UE Diary

exactly, i can see all the details that were filled in, but the rest of the application is black, i wouldnt even know if PPI was ticked or not (it wasnt)

Point is, i could have signed for a M&S food order for all i know LOL

[SXGuy]

Re: SXGuy's UE Diary

another update today, natwest black have sent their 3rd monthly statement since confirming no CCA. min payment over 4k LOL

Before that the statements had died completely, sneaky bastards.

Likely will receive a natwest gold statement tomorrow, so still no defaults with these twats, but had no demands for payment either so just a waiting game now.

Hopefully they will default after the 3rd statement goes unpaid.

[SXGuy]

Re: SXGuy's UE Diary

Mother received a letter yesterday from IDR Finance re barclaycard, i say letter, seems to be a very cocked up default notice.

Ill email Niddy with it tomorrow for his thoughts but ill list a few things here now.

1) default notice states its from IDR Finance

As far as i know, barclaycard still own the debt, IDR were just assigned collection rights.

2) the default notice is dated 23/04/12

Its apprently taken a over a year to be delivered, real snail mail by the looks of it.

3)IDR were not dealing with this in April 12, didnt come on the scence till well later in the year.

4) Remedy date is 23/03/13
Technically, from date it was served is 14 days, but date of default letter suggests over a year

5)Arrears to be paid by the 23/03/13.....£9
Cant see how an account which hasnt been paid for around a year can only have arrears of £9.

Make of this what you will.