stuffthebanks' UE diary

[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??

Update 1/3/12 in Red....

[stuffthebanks]

Re: Stuff the banks ue diary

Very catalogue

Started : July 2004...Account started back in 2001 as Argos,then changed to Argos Additions,Then Additions and finally to Very...
Original account as Argos back in 2001
Balance:£1804
Last payment:November 2012 £30.00
Now paying:Nothing

Status:No CCA PRODUCED..Account in default

Financial difficulties meant the £120 per month could no longer be met..so....I will try to be as precise as possible..

30/8/11..Arrears collection dept..Account is in arrears.
5/9/11...Letter sent to Very asking for help in reduced payments.
Income and expenditure also sent.
12/9/11..Letter sent to Very..Telephone harassment letter sent.
13/9/11...Letter from Very...Unable to accept my proposals..
16/9/11...Letter from arrears collection dept.
22/9/11..Letter sent to Very..telling them they are being unreasonable.
26/9/11..Letter from arrears collection dept.
28/9/11..Letter from Very...Unable to accept payment proposals
7/10/11..Letter from Very...unable to accept proposals..
7/10/11..Take me to court template letter sent to Very.
10/10/11..Letter to Very...Telephone harassment template sent to Very.
13/10/11...Letter from Very..Acknowledgement of complaint from Very.
18/10/11...Letter sent to Very...Another complaint regarding phone calls and the ignorance in response to our financial situation.
20/10/11...Letter from Very...regarding my recent letter..its all down to the auto dialler...and we need to ring to arrange payment plan...
We did ring..and they would not accept payment offer,and that we could only set up plan through someone that manages a DMP....
10/11/11..CCA and SAR request sent to Very..
24/11/11...Letter from Very...They have agreed a payment plan of £30.00 per month,and interest frozen for 12 months.
5/12/11....CCA default letter sent to Very..
22/12/11...SAR received from Very...
14/1/11..Usual monthly statement received from Very...no charges showing...
4/1/12...Acknowledgement of my putting account into default because of no CCA..
1/2/12...Letter from Very...Further to the letter sent on 4th Jan..investigation continuing and final response by 28th Feb..
17/2/12..Normal statement received....no charges added...but acknowledge a failed payment from January...
21/2/12...Response from very re CCA request.....i have copied it onto the end of this.....i share this with you all to give Niddy a rest.......i dont think its quite what i need to make the debt enforceable....
22/2/12....Niddy...confirms UE...
7/3/12...Letter received.....Under the heading..Re: Request to cancel your credit agreement.
It says they have provided me with a copy of the current credit agreement...a copy of which i put on page 3 0f this thread.
They say it sets out the contractual arrangement that is in place at this time,and includes all applicable contractual variants and amendments that have taken place since the account was opened.
It is clear by ordering and purchasing goods from us,you acknowledge that there is an existing relationship in place.
In the event that you did not believe that there was such a relationship it is unlikely you would have bought and continued to buy goods from us.
The latest case law in relation to the enforceability of credit agreements has made clear that unenforceability does not mean that the rights of the parties under a credit agreement were never acquired or are extinguished.
Failure to make payments will affect my credit rating,blah,blah,blah...

Any advice on what to send next?????

[Deepie]

Re: Stuff the banks ue diary

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

[stuffthebanks]

Re: Stuff the banks ue diary

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

[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

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...

[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

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....

[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

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...

[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

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

[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...

[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

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