stuffthebanks' UE diary

[stuffthebanks]

Re: Stuff the banks ue diary

Cheers Nidd....will ignore....

[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...

21/3/12....Letter received today from HFC.....FINAL DEMAND...After numerous attempts to resolve account its now being passed onto their litigation dept.
I guess because i am still waiting for my CCA, FOR WHICH THEY ARE IN DEFAULT..i would assume that i ignore this threat letter....or do i????

22/3/12...Letter received today from HFC....please be advised your account is now in arrears blah,blah,blah,Account is now being handled by the recoveries section.
We urge you to respond to this letter...
Ignore...still waiting for the CCA....

[stuffthebanks]

Re: Stuff the banks ue diary

Looks like they are having trouble locating your CCA! Oh dear!

Shame the balance is so low but still every little helps!

Hi Flower..
I consider every penny i stop these greedy no mark,cheating,truth bending,bullying,scum,sucking,retards getting from our household a family fightback.....

Just to add,after receiving the 27th phone call from Home shopping direct group..aka Very....i picked the phone up and gave them both barrels.... Not the most intelligent way of going about things,but they bloody well asked for it..and it made me feel better.....

[stuffthebanks]

Re: Stuff the banks ue diary

Hello all....
I am adding Mint cc to this section now after being given the runaround,i suspect they have no valid CCA..

Mint c/c
Started.2003
Balance.£3500
Status.Default.2007
Last payment.February 2012.
Now paying.Nothing.

29/1/12...CCA request sent to mint...
8/3/12...Mint returned £1.00 postal order along with letter reusing to hand over the CCA until i send signature....
9/3/12....Template letter sent to Mint - link - for creditor refusing to accept without signature,along with the £1.00 postal order.

24/3/12...2 letters received today from Mint...
1st letter...We are disappointed that you have failed to comply with our agreement.Immediate payment or will go to external DCA....
2nd Letter....Its another refusal to accept my CCA request without me submitting my signature....no postal order sent back though.....
Any advice will be most welcome!

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

Use Arial or Times Roman for the body of the letter in black ink, and JohnLennon (sic - link) in dark blue ink and 48pt for the signature.

[stuffthebanks]

Re: Stuff the banks ue diary

Use Arial or Times Roman for the body of the letter in black ink, and JohnLennon (sic - link) in dark blue ink and 48pt for the signature.

Hi Cloggy,
Thanks for the reply mate...
I will do that and send them the formal response.. signature request template........

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

29/1/12...CCA request sent to mint...
8/3/12...Mint returned £1.00 postal order along with letter reusing to hand over the CCA until i send signature....
9/3/12....Template letter sent to Mint - link - for creditor refusing to accept without signature,along with the £1.00 postal order.

24/3/12...2 letters received today from Mint...
1st letter...We are disappointed that you have failed to comply with our agreement.Immediate payment or will go to external DCA....
2nd Letter....Its another refusal to accept my CCA request without me submitting my signature....no postal order sent back though.....
Any advice will be most welcome!

Send the jerks this:

Dear Sirs,

I really am most grateful for your recent letters, in which you not only made the threat to pass the account to an external debt collecting agency but once more wilfully refused to comply with my lawful request under section 78(1) of the Consumer Credit Act 1974.

As you are no doubt aware (and as I will be delighted to explain to any debt collecting firm to which you assign this account) section 78(6) states:

If the creditor under an agreement fails to comply with subsection (1)—

(a)he is not entitled, while the default continues, to enforce the agreement;

The wilful refusal of your company has made the agreement quite impossible to enforce through the courts and it will remain so until and unless you comply with my request. This will also apply to any company to whom you assign the account, of which fact you should inform the assignee unless you wish to annoy them.

I note that you have retained the postal order I sent for the statutory fee of £1 so, if you should wish to send the documents requested, no further fee will be payable by me.

Yours Faithfully,

Clever Clogs

[stuffthebanks]

Re: Stuff the banks ue diary

Send the jerks this:

Dear Sirs,

I really am most grateful for your recent letters, in which you not only made the threat to pass the account to an external debt collecting agency but once more wilfully refused to comply with my lawful request under section 78(1) of the Consumer Credit Act 1974.

As you are no doubt aware (and as I will be delighted to explain to any debt collecting firm to which you assign this account) section 78(6) states:

If the creditor under an agreement fails to comply with subsection (1)—

(a)he is not entitled, while the default continues, to enforce the agreement;

The wilful refusal of your company has made the agreement quite impossible to enforce through the courts and it will remain so until and unless you comply with my request. This will also apply to any company to whom you assign the account, of which fact you should inform the assignee unless you wish to annoy them.

I note that you have retained the postal order I sent for the statutory fee of £1 so, if you should wish to send the documents requested, no further fee will be payable by me.

Yours Faithfully,

Clever Clogs

Brilliant letter Cloggy......
I was just on my way out to post the template letter....but i reckon i will abondon that and send yours instead..
Cheers mate....nice one...

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

Brilliant letter Cloggy......
I was just on my way out to post the template letter....but i reckon i will abondon that and send yours instead..
Cheers mate....nice one...

You are most welcome.

I would not say that the template letter is at all bad, as it makes the point about the signature quite concisely; I just felt it might be more helpful to thank Mint for having chosen to make the account unenforceable.

[stuffthebanks]

Re: Stuff the banks ue diary

You are most welcome.

I would not say that the template letter is at all bad, as it makes the point about the signature quite concisely; I just felt it might be more helpful to thank Mint for having chosen to make the account unenforceable.

Yes fair point mate,
No problem with the templates,they are very,very well put together...
I just thought your's made the point in a manner deserving of their ignorance and obvious attempts at giving the run around.....

[stuffthebanks]

Re: Stuff the banks ue diary

27 calls?

Have you sent the the telephone harrassment letter? ---> Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

How about giving them this number ---> Free Number to Issue Creditors - allaboutFORUMS

Hi Flower,
Had a reply from them....if the account is brought up to date then there would be no more calls......
I never realised but i have the option to block up to 10 phone numbers on my phone......job done......I BARRED THEM.......oh, that felt so good.....

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

Had a reply from them....if the account is brought up to date then there would be no more calls...

How very silly of them - they've admitted in writing that they were harassing an alleged debtor!

The maximum penalty for such an aggressive business practice, contrary to Regulation 7 (link) of the Consumer Protection from Unfair Trading Practices Regulations 2008 would be (link) up to two years in the slammer or a fine not exceeding the statutory maximum or both.

It may also be contrary to section 43 (link) of the Telecommunications Act 1984 and, of course, section 2 (link) of the Protection from Harassment Act 1997.

[stuffthebanks]

Re: Stuff the banks ue diary

How very silly of them - they've admitted in writing that they were harassing an alleged debtor!

The maximum penalty for such an aggressive business practice, contrary to Regulation 7 (link) of the Consumer Protection from Unfair Trading Practices Regulations 2008 would be (link) up to two years in the slammer or a fine not exceeding the statutory maximum or both.

It may also be contrary to section 43 (link) of the Telecommunications Act 1984 and, of course, section 2 (link) of the Protection from Harassment Act 1997.

I reckon i can write a half decent letter containing those excellent links you have posted up Cloggy....
I will start that tonight and send off tomorrow......
Cheers mate.....

[CleverClogs (RIP)]

Re: Stuff the banks ue diary

I reckon i can write a half decent letter containing those excellent links you have posted up Cloggy....
I will start that tonight and send off tomorrow......
Cheers mate.....

You are - of course - most welcome. However, I'd be more inclined to take their confession to Trading Standards in the hope that the buggers could be prosecuted.

[stuffthebanks]

Re: Stuff the banks ue diary

Well done!

Out of interest, how did you do that? Is it a special feature of your phone or is it through your provider (BT, Virgin, etc.)?

Hi Flower..
It is a service provided by Sky..costs and extra £3.50 per month...