mehim's UE Diary

[CleverClogs (RIP)]

Re: mehim's UE Diary

Had another call from Nationwide too, thats number 4, I will have to send the phone harassment letter soon.

Are you running out of ideas for how to "fail security" creatively, or are you just getting a bit irritated by them?

Irritate them.

Waste their time.

Tell them they've called a Koranic game show on Radio Tehran, that they're on the air now and then ask them why The Prophet, blessings be upon him, made alcohol haram.

[CleverClogs (RIP)]

Re: mehim's UE Diary

Barclaycard took over Monument in 2002 when it was sold off by Providian National Bank so if your account started after that date (2004?) those Ts & Cs can't be anything to do with you I have one of these and Barclaycard finally admitted UE and I've heard nothing more from them since March 2011 - they haven't even sold it on

And you've not told them to assign it to another bunch of parasites because, in five years, it'll become statute barred?

Aren't you worried that MacKenzie Hall might then buy it?

[PlanB]

Re: mehim's UE Diary

Are you running out of ideas for how to "fail security" creatively, or are you just getting a bit irritated by them?

Irritate them.

Waste their time.

One way to annoy is when they ask you for your date of birth you ask them for theirs. I used to say "I'm not telling you mine if you're not prepared to tell me yours" and hang up

[Never-In-Doubt]

Re: mehim's UE Diary

One way to annoy is when they ask you for your date of birth you ask them for theirs. I used to say "I'm not telling you mine if you're not prepared to tell me yours" and hang up

I just say "get fucked" - works a treat

[Mehim]

Re: mehim's UE Diary

Morning Folks,

I must say it makes me laugh when I log in here and read the comments, big change from a year ago I can tell you.

My OH has a MBNA card with a £20,000 plus limit on it, I have to admit I`ve been trying to get her to max it out as it is pre 2007 as well.

This forum sure has wised me up to these theiving, lying bar stewards.

Just a pity she wont do it.

TY

[Never-In-Doubt]

Re: mehim's UE Diary

additional cardholder - then SHE doesn't need to

[Pixie]

Re: mehim's UE Diary

I wished I'd maxed out my cards before sending the token payment letters (before I 'met' Niddy)

[Never-In-Doubt]

Re: mehim's UE Diary

I wished I'd maxed out my cards before sending the token payment letters (before I 'met' Niddy)

Not always wise though as it does look bad and would also mean we condone debt avoidance which really we don't - we tend not to ask about the circs surrounding peoples debt however debt avoidance is not high on my list as I never started this forum for that reason, I started this to help those that literally had nowhere else to turn.

Sorry for quoting you Pixie, obviously not aimed at you - just trying to clarify this point

[Mehim]

Re: mehim's UE Diary

Hi Again,

lol she wouldn`t max it out anyway.

It isn`t an additional card holder, she has it in her own name and account.

She is more worried than I am regarding all this stuff.

I am totally chilled out with it since I got the message to come here from over the road.

TY

Never fear Niddy, I wont be doing anything to bring this forum into disrepute.

I take every opportunity to point people who are in trouble to this site. It has been a godsend to me and my family.

[Never-In-Doubt]

Re: mehim's UE Diary

I meant you get added as an additional cardholder

* blonde moment maybe

[Mehim]

Re: mehim's UE Diary

lol I doubt they would add me.

Way back at the start of my defaulting, when I used to chat with them and have them pulling their hair out, one smart aleck actually mentioned my OH`s cards, he had obviously checked her out as well as myself. He was so upset because I picked MBNA as my first defaults and was still paying the rest of them.

In a later convo with a female, I told her I was reporting them for breaching DPA regarding my OH, she actually laughed and said they had broken some laws but not that one.
When she said I could stop the calls by agreeing payments. I told her the calls made my day, brightened my life up as they made me feel wanted. She was pissing herself laughing when we ended that call.

TY

[Pixie]

Re: mehim's UE Diary

Not always wise though as it does look bad and would also mean we condone debt avoidance which really we don't - we tend not to ask about the circs surrounding peoples debt however debt avoidance is not high on my list as I never started this forum for that reason, I started this to help those that literally had nowhere else to turn.

Sorry for quoting you Pixie, obviously not aimed at you - just trying to clarify this point

I'm not feeling paranoid this morning so I'll let you off!

It was just a rather flippant comment.

I understand what you're saying Niddy. I don't think that we have any posters who are here for debt avoidance per se. Every debt diary/post I've read has been from someone who has tried to pay their debts, is unable to continue to pay and is literally at their wits end. I know I certainly was.

[Mehim]

Re: mehim's UE Diary

Morning All,

I was at my wits end Pixie, how things have changed since coming here.

That was only last month and what a difference that short time has made.

I can only thank everyone for all the help I have been given in a few weeks.

TY

[Mehim]

Re: mehim's UE Diary

Nationwide Credit Card

start : May 2004
bal : £8,000
last full : Present
present : paying
status : Up to Date

dca : None

2011

Dec 14th
Sent SAR to Nationewide.

2012

Jan 5th
Received a reply, same time asking me what I was actually looking for. Ignored that one.

Jan 26th
Received letter telling me to pick up the SAR contents from the local branch as they couldn`t compare my signature with their records.

Jan 26th
Collected incomplete SAR from local branch. Copy of an application form, no agreement.

Jan 31st
Sent a letter complaining about the uncompleted SAR and requesting the missing information.

Feb 3rdLetter from nationwide in reply to me asking for a copy of the original CCA and the missing statements.

"You have made reference to a signed original CCA, I am afraid I am uncertain as to what exactly you are referring to. The Consumer Credit Act (CCA) is an act of parliament and while all credit agreements are regulated by this, it is not a separate document Nationwide hold and therefore not classed as personal data that we would be in a position to provide.

In respect of missing statements, Nationwide only hold copies of statements for a period of 6 years and therefore regret that we have no additional statements that we are able to provide."

Feb 8th
Reply sent re numpties letter from Nationwide. Also letter to chief exec making a complaint.

EMAILING NIDDY

Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me.

Feb 14th
Reply from Chief Exec`s office re Numpties letter. Apologies but not a lot of anything else. Copy of the application form sent on it`s own yet again. Still waiting for a reply to the CCA request.

Feb 16th
Letter from NW re CCA request, will send to Niddy for his expert eye to look it over.

EMAILIN NIDDY

Feb 24th: No response to my CCA request. Ignoring till they respond.

Niddy says and still

March 8th:
Letter re late Payment. Opps they noticed I didn`t pay it.

They have noticed this wasn`t paid.

[Mehim]

Re: mehim's UE Diary

No 2 Barclaycard/MDSW Credit Card

start : Before 2005, Unsure when
bal : £4,000
last full : Present
present : paying
status : Up to Date

dca : None

2011

March 29th
March BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.

March 29th
Letter received confirming account closure.

April
Called them asking where the Agreement was that they were sending me.

May 11th
Letter received rabbiting on about s78 request, that they will respond ASAP

Dec 14th
I sent account in dispute as they never got back to me.

Dec 20th:Letter from them apologising and thanking me for allowing them to respond.

2012

Jan 11th
Letter from them rabbiting on about s78 and T&C for MDSW card.

Jan 11th
Same date another letter with T&C for a Barclay Credit Card.

Jan 16th
Sent a reply asking them where I had asked anything under s78, also sent in a SAR

Feb 2nd:Received an incomplete SAR, no original agreement, (Recon one included)
No statements.

Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me

Feb 24th
Reply regarding CCA request. Wrong original application form sent to me, name etc belongs to someone in Sheffield.

Feb 24th: Wrong response to my CCA request. Ignoring till they respond.

March 8th:
Letter with a recon agreement. Blank sheet with the previous person`s name and address top left. Box with right to cancel further down and a set of MDSW T&Cs. Late fee is £15.00, I am not sure if this was the late fee when I started the card, think it was probably £25.00

Do I respond to this or ignore it as they have the wrong person still?

TY