stuffthebanks' UE diary

[stuffthebanks]

Re: Stuff the banks ue diary

Why?

Isn't no agreement better than an arguably enforceable agreement?

You should verify that they obtained payment of the postal order.

Hello Cloggy.....
I was going to update my diary and read this post from your good self first......
I received another letter today from HFC....a copy of my complaint regarding account in default....but no mention of where my actual document has got to,which i requested 31/1/12, just a request for payment and signature.....

I have sent back a reply today, enclosed copies of postal proof and proof of postage from 31/1/12,along with signature template,and a letter advising them of account still in default.
See what i get back this time...

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

14/3/12....Letter received from HFC....They are concerned we have not reached an arrangement for the repayments.
Considering the appropriate course of action..DCA,solicitors etc,etc...
They may consider temporarily suspending payments,or accept reduced payments.

Advice welcome...my thoughts are that i should send a reply reminding them of the failure to respond to my CCA request...

Why?

Isn't no agreement better than an arguably enforceable agreement?

You should verify that they obtained payment of the postal order.

[stuffthebanks]

Re: Stuff the banks ue diary

Thanks once again Itd.....i will send today.....

[Deepie]

Re: Stuff the banks ue diary

HFC
Flexible loan.
Started: 2003
Defaulted:2011
Balance:£800
Last payment:July 2011
Now paying:Nothing

31/1/12...CCA request sent to HFC.
27/2/12...Account in default letter sent to HFC, as no CCA has been received.
7/3/12.....letter received from HFc advising account in arrears..no mention of my previous letters sent....

I think i may re send the account in default letter,i never recorded the one sent out on 27/2/12,but i did record the CCA request along with £1.00 postal order on 31/1/12....i reckon 2nd class recorded should do it...

14/3/12....Letter received from HFC....They are concerned we have not reached an arrangement for the repayments.
Considering the appropriate course of action..DCA,solicitors etc,etc...
They may consider temporarily suspending payments,or accept reduced payments.

Advice welcome...my thoughts are that i should send a reply reminding them of the failure to respond to my CCA request...

Yes I Would send this----------> CCA Reminder - Unenforceability Threat

[stuffthebanks]

Re: Stuff the banks ue diary

HFC
Flexible loan.
Started: 2003
Defaulted:2011
Balance:£800
Last payment:July 2011
Now paying:Nothing

31/1/12...CCA request sent to HFC.
27/2/12...Account in default letter sent to HFC, as no CCA has been received.
7/3/12.....letter received from HFc advising account in arrears..no mention of my previous letters sent....

I think i may re send the account in default letter,i never recorded the one sent out on 27/2/12,but i did record the CCA request along with £1.00 postal order on 31/1/12....i reckon 2nd class recorded should do it...

14/3/12....Letter received from HFC....They are concerned we have not reached an arrangement for the repayments.
Considering the appropriate course of action..DCA,solicitors etc,etc...
They may consider temporarily suspending payments,or accept reduced payments.

Advice welcome...my thoughts are that i should send a reply reminding them of the failure to respond to my CCA request...

[stuffthebanks]

Re: Stuff the banks ue diary

Cheers ITD.....will do that......

[Deepie]

Re: Stuff the banks ue diary

Barclaycard
Started:25/5/2005
Balance:£830
Status:Not in default
Last payment:Feb 2012 £17.00 on plan.

This one has given me a conscience..they have been ok with me,despite one or 2 hic up's.
I have read lots of stuff on Barclaycard...they seem very persistent once you stop paying.....
So here we go anyway......

22/2/12....Niddy confirms account ....Terms template letter to go out on 23/2/12

12/3/12...Letter from Barclays....a whole load of legal jargon...they are standing by the agreement being enforceable...
Not sure how to proceed based on what's in this letter...

Just ignore for now see what they do next.........

[stuffthebanks]

Re: Stuff the banks ue diary

Barclaycard
Started:25/5/2005
Balance:£830
Status:Not in default
Last payment:Feb 2012 £17.00 on plan.

This one has given me a conscience..they have been ok with me,despite one or 2 hic up's.
I have read lots of stuff on Barclaycard...they seem very persistent once you stop paying.....
So here we go anyway......

22/2/12....Niddy confirms account ....Terms template letter to go out on 23/2/12

12/3/12...Letter from Barclays....a whole load of legal jargon...they are standing by the agreement being enforceable...
Not sure how to proceed based on what's in this letter...

[stuffthebanks]

Re: Stuff the banks ue diary

Argos card

Started: September 2001
Balance: £1053..
Last payment made £10.00 October 2011
Not paying anything at all
Status: Argos sold to Lowell's on 3/11/2011

30/11/2011 ..Letter of sale from Argos..and Lowell introduction letter received.
5/12/11....CCA and SAR request sent to Argos
12/12/11...LETTER RECEIVED FROM LOWELL..we are here to help..I do not reply...
22/12/11...CCA request received from Argos....Its an application form.... unenforceable.....
23/12/11..Letter from Lowell...We want to help you clear your account.....I do not reply
3/1/12...We would like to help you free up your finances...I do not reply
13/1/12...Statement of account from Lowell....Showing a payment of £30.00 not sure where it came from....Do not reply..
16/1/12..We can still help you....What you could face if we don't hear from you....Do not reply...
1/2/12...Letter from Lowell's....Our next steps....this is the last time they will contact me,it will be passed on to Red next...(Surprise,surprise)Also they drone ofn about taking me to court to petition for bankruptcy....Is that a threat??????
Its not too late to make them an offer...
Still ignore....any thoughts???
17/2/12..Just back from a break,and letter received from Red...threats to apply to the courts for CCJ...or if account meets certain criteria apply for a statutory demand....I wont respond..unless anyone thinks otherwise???
18/2/12...Email sent to red with the account in dispute template.
23/2/12..Letter from Red....Copy attached below.....any thoughts??
Is this an acceptable response to the account in dispute template i sent them on 18/2/12??
I dont think so personally...
1/3/12...2 letters received today from Lowell...both acknowledging my complaint that no SAR has been sent from Argos...they are requesting another CCA from Argos also...Where have Red gone??

9/3/12..Letter from Lowell...they have been in touch with Argos regarding my credit agreement...Argos are trying to retrieve from there archive.......They will be in touch once they have an outcome........Not going to do anything..just wait...and wait..and wait...

[stuffthebanks]

Re: Stuff the banks ue diary

just waait, no need to send anything elese, they are in default until they produce a lawfully executed CCA or not as the case may be...........relax

Okee dokee...ELD.. sounds like a plan to me...thanks for the heads up....

[MrsD]

Re: Stuff the banks ue diary

just waait, no need to send anything elese, they are in default until they produce a lawfully executed CCA or not as the case may be...........relax

[stuffthebanks]

Re: Stuff the banks ue diary

HFC
Flexible loan.
Started: 2003
Defaulted:2011
Balance:£800
Last payment:July 2011
Now paying:Nothing

31/1/12...CCA request sent to HFC.
27/2/12...Account in default letter sent to HFC, as no CCA has been received.
7/3/12.....letter received from HFc advising account in arrears..no mention of my previous letters sent....

I think i may re send the account in default letter,i never recorded the one sent out on 27/2/12,but i did record the CCA request along with £1.00 postal order on 31/1/12....i reckon 2nd class recorded should do it...

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

This was in 2004 mate... It was an Arsenal credit card by my reckoning and thus had the terms down the left of the actual application form, in fact it does state it is a regulated agreement, all the PT's are on the same signatory page - it's one of those that was done properly to be honest.

What are Millwall credit cards like?

"If yer don't pay wot yer should, we'll kick yer head in." ?

[stuffthebanks]

Re: Stuff the banks ue diary

Hey thanks for the quick response Itd.....i will do as you suggest.....

[Deepie]

Re: Stuff the banks ue diary

just ignore see what they do next.............