mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Hi Vint,

I`m waiting on MKRR writing to me, they have told me several times they have written but I`ve received nothing. I never do the security stuff with them so they get kinda frustrated with me, all good fun mind you. I`ll do the phone letter once they do eventually write to me.

Aktiv have written telling me Transcom are dealing with this other one, so I`m waiting for them to write then I`ll hit both of them with sold in dispute.

TY

[Mehim]

Re: mehim's UE Diary

Mehim OH Card

Type : MBNA Credit Card
Start : Nov 1995
Bal : £14,500.00 NOW £16,000
Last Full : 2012
Present : Not Paying
Status : Enforceable Now

2012

April 16th:
CCA request sent.
May 4th:
CCA received.

E Mailing Niddy

May 5th:
One for the record book, a 1995 MBNA agreement that is
Now I am having to explain why hers is enforceable and mine aren`t.
May 9th:
Missing PT`s letter sent.

E Mailing Niddy
May 13th:
Ya Beauty, Niddy says wrong terms.
June 22nd:
Letter saying this hasn`t been paid, Been a few calls too but I just tell them "in writing only" and hang up
July 12th:
Letter with Notice of Sum in Arrears
July 12th:
Letter thanking me for one sent 9th May Missing PT`s. saying the documents supplied do comply (not according to the boss hehe) They are satisfied it is kosher and will administer it as normal. They want the OH`s money. Forgot to say that they say they state "We can also confirm that we have not provided you with a reconstituted copy"
July 13th:
Letter re card is in arrears. One comment in this one is "If you do not have a debit card that allows you to make an online or telephone payment, you can use one of the other payment methods detailed in your monthly statement" One of which is pay by credit card.
July 19th:
Letter saying OH is in breach of agreement and a decision has been taken to restrict the account.
July 27th:
Letter from MBNA saying 2 missed payments so they are registering this with the credit reference agencies. They still want money.
10th August:
Both Telephone harassment and the new Scottish doorstep collection letters sent
15th August:
3 letters from MBNA sending copies of the last 4 months statements
17th August:
Letter informing OH she is 3 months in arrears.
21st August:
Letter from MBNA saying they are currently investigating the complaint, re calls I think. Keven called twice yesterday and twice was told to F*ck Off as I told lies lol
8th Sept:
Letter asking me to contact them as they would like to offer assistance to prevent the termination of the agreement
12th Sept:
Notice of sum in arrears, no Office of fair Trading Information sheet included which they say is.
12th Sept:
Letter apologising for the delay in responding to my complaint re telephone calls. They will issue a response by 8th October 2012
14th Sept:
LOL Final response letter responding to the telephone calls complaint. They also ask for income/expenditure information.
7th Nov:
Letter from MBNA with a Default Notice.
10th Nov:
Letter with a Notice of sum in arrears

2013

14th Jan:
Letter from them informing that this Credit Agreement has now been terminated.
13th Feb:
Letter from them saying they have terminated the account and decided to sell it to another company.
Sold to Aktiv Kapital AS Zug Branch
2nd March:
Letter from Aktiv informing me they have purchased this account from MBNA (silly tits). They have requested Transcom to manage the account.
15th March:
Letter from Transcom, big scarey red letters, lol, Failure to respond by 26th March 2013 may result in further action being taken against you. This may include instructing Scotcall our doorstep collection agents, to visit your home and collect debt personally.

Must be a real brave collector is all I can say.

Hi Folks,

Contact by Transcom regarding this account. I will fire off Account in Dispute and throw in the doorstep collection for good measure along with in writing only.

That should keep them busy for a while.

Many thanks for all the help given to me.

TY

[ScabHunter]

Re: mehim's UE Diary

Hi Folks,

Contact by Transcom regarding this account. I will fire off Account in Dispute and throw in the doorstep collection for good measure along with in writing only.

That should keep them busy for a while.

Many thanks for all the help given to me.

TY

It sounds as though you are well in control of the situation, mate. Good luck with everything.

SH

[Mehim]

Re: mehim's UE Diary

Evening All,

several updates which I`ll note here rather than quote the separate accounts.

Got the same letter from MKRR regarding B/card 1,2 & 4. Basically saying further to our recent correspondence regarding transfer of ownership, This is a lie as it was B/card who wrote telling me. MKRR have just been calling 3/4 times a day for several days, getting nowhere with me.

Now that I have their address, I will be sending them the following, Account No 1:- Copy of B/cards letter admitting no CCA.
Account No 2:- Account in Dispute.
Account No 4:- Account in Dispute.

Also the contact in writing only if you please.

Do I send them all in one envelope or one for each.

Many thanks

[5corpio]

Re: mehim's UE Diary

If it were it me, i would also consider sending Telephone harassment letter to MKRR at same time to these Muppet's!

[ScabHunter]

Re: mehim's UE Diary

Now that I have their address, I will be sending them the following, Account No 1:- Copy of B/cards letter admitting no CCA.
Account No 2:- Account in Dispute.
Account No 4:- Account in Dispute.

Also the contact in writing only if you please.

Do I send them all in one envelope or one for each.

Many thanks

I honestly don't see any problem in saving postage and sending the letters together. Make sure that each letter has an identifying reference or account number at the top, and you could even include this in the first line of the letter to make it more difficult to alter with software.

What I would do if it was me is to actually put at the top "Letter 1 of 3 - Ref. Account No. 12345678", for example, because that would mean that if any one letter ever became exhibited in court, it would automatically presuppose the existence of the others. It would make it far more difficult for them to say "There was only one letter in the envelope".

SH

[Mehim]

Re: mehim's UE Diary

Hi Scorpio and Scabhunter,

All taken on board and printed. I had thought of the Telephone one but forgot to mention it. Just need a big envelope now lol. This lot should keep them busy for a few days.

I`m heading south next week so will get this posted on Monday morning.

Again, many thanks for all the help given.

TY

[Mehim]

Re: mehim's UE Diary

Evening All,

did all the letters to MKRR for Barclaycard.

No 1 got the no CCA letter along with a copy of Barclays letter admitting this, and a copy of the telephone harassment and doorstep threat.

No 2 and 4 got the Account in dispute, telephone harassment and doorstep threat. All posted Monday past but they obviously haven`t read or actioned them. got back to 18 missed calls.

I caught one call today and told them to bugger off, I was reporting them to Ofcom and then I hung up.

I hope everyone else is hanging on in there.

Many thanks.

[Mehim]

Re: mehim's UE Diary

Mehim OH Card

Type : MBNA Credit Card
Start : Nov 1995
Bal : £14,500.00 NOW £16,000
Last Full : 2012
Present : Not Paying
Status : Enforceable Now

2012

April 16th:
CCA request sent.
May 4th:
CCA received.

E Mailing Niddy

May 5th:
One for the record book, a 1995 MBNA agreement that is
Now I am having to explain why hers is enforceable and mine aren`t.
May 9th:
Missing PT`s letter sent.

E Mailing Niddy
May 13th:
Ya Beauty, Niddy says wrong terms.
June 22nd:
Letter saying this hasn`t been paid, Been a few calls too but I just tell them "in writing only" and hang up
July 12th:
Letter with Notice of Sum in Arrears
July 12th:
Letter thanking me for one sent 9th May Missing PT`s. saying the documents supplied do comply (not according to the boss hehe) They are satisfied it is kosher and will administer it as normal. They want the OH`s money. Forgot to say that they say they state "We can also confirm that we have not provided you with a reconstituted copy"
July 13th:
Letter re card is in arrears. One comment in this one is "If you do not have a debit card that allows you to make an online or telephone payment, you can use one of the other payment methods detailed in your monthly statement" One of which is pay by credit card.
July 19th:
Letter saying OH is in breach of agreement and a decision has been taken to restrict the account.
July 27th:
Letter from MBNA saying 2 missed payments so they are registering this with the credit reference agencies. They still want money.
10th August:
Both Telephone harassment and the new Scottish doorstep collection letters sent
15th August:
3 letters from MBNA sending copies of the last 4 months statements
17th August:
Letter informing OH she is 3 months in arrears.
21st August:
Letter from MBNA saying they are currently investigating the complaint, re calls I think. Keven called twice yesterday and twice was told to F*ck Off as I told lies lol
8th Sept:
Letter asking me to contact them as they would like to offer assistance to prevent the termination of the agreement
12th Sept:
Notice of sum in arrears, no Office of fair Trading Information sheet included which they say is.
12th Sept:
Letter apologising for the delay in responding to my complaint re telephone calls. They will issue a response by 8th October 2012
14th Sept:
LOL Final response letter responding to the telephone calls complaint. They also ask for income/expenditure information.
7th Nov:
Letter from MBNA with a Default Notice.
10th Nov:
Letter with a Notice of sum in arrears

2013

14th Jan:
Letter from them informing that this Credit Agreement has now been terminated.
13th Feb:
Letter from them saying they have terminated the account and decided to sell it to another company.
Sold to Aktiv Kapital AS Zug Branch
2nd March:
Letter from Aktiv informing me they have purchased this account from MBNA (silly tits). They have requested Transcom to manage the account.
15th March:
Letter from Transcom, big scarey red letters, lol, Failure to respond by 26th March 2013 may result in further action being taken against you. This may include instructing Scotcall our doorstep collection agents, to visit your home and collect debt personally.
Must be a real brave collector is all I can say.
16th March:
Account in Dispute and Doorstep collection letter sent.
23th March:
Letter from Transcom, they have queried their client and requested the information I require ?? They are waiting for a reply and will get back to me.

Morning All,

got a reply from Transcom, they are asking their client for the info that I never asked for lol.

They also say that as the client is not the OC they do not have to reply with the request (I never made) within the 12 days that the statute dictates.

Not sure about that one.

Many thanks

[Mehim]

Re: mehim's UE Diary

MBNA Credit Card

start : Sept 2004 Correction Sept 1994
bal : £15,000 Now £15,193
last full : Sept 2009
present : not paying
status : default. Copy of original Application. Unenforceable

dca : Experto Credite, Claim Management Consultants

2009

Feb 25th
I contacted a Claims Management Company
Mar 15th
I agreed to sign up for 3 cards
Mar
Letter from CMC advising me claim was going ahead and not to sign anything from MBNA, to pass all correspondence from MBNA to them ASAP
May 26th
Letter from CMC saying nothing had been received from MBNA. They wrote telling them it was unenforceable as MBNA had not complied within the time limit. Told me I could stop paying but would get loads of hassle. I kept paying meantime.
Loads of calls from MBNA which I stonewalled referring them to the CMC
Aug 26th
Letter from solicitors acting on behalf of the CMC informing me that they would be writing to MBNA asking for the account to be cancelled, if not they would be raising a court action
Oct 1st
Letter from CMC saying they had the paperwork from MBNA and the agreement was unenforceable. Again said I could stop paying it but I would get loads of hassle and they would default me. I stopped paying

2010

Loads of call which I was happy dealing with.
Jan 15th
Threatogram from MBNA CCJ, Sheriff Court etc
Feb 4th
Nice letter offering help
March 8th
Threatened default if I didn`t pay
April 8th
Letter informing me that this would soon be written off as a bad debt and a default registered against me.
April 15th
Another letter (it is not too late to stop this happening). Threatened default and recovery action. Also calls offering discount.
May 7th
Letter informing me a default will register for 6 years. Also offering to consider settling the account at a lower amount. Letter was also confirmation of an impending default and contact from third party if I didn`t accept one of the aforementioned options.
June 4th
Default notice sent on the 4th, remedy date 22nd. On or after this date account will be terminated (Account actually sold to Experto 16th June). Got this from uncompleted SAR response from MBNA at a later date.
June 30th
Experto Credite appeared 30th June with a letter saying Varde Investments (Ireland) Ltd were now the legal owners. Asked me to call them.
July 15th
Experto offered to negotiate a favourable discounted settlement figure.
Sept 16th
Home Owner Notification

2011

Jan 21st
HL Legal for experto 7 days to pay or else.
March 29th
Panic Stations Letter from accountancy firm informing me that the CMC dealing with this for me had gone down the tubes.
March 30th
Letter to Accountants asking for my money back was ignored. Solicitor had already advised me there was no money.
April 13th
Bigger panic Letter from solicitors acting for the CMC, basically saying as there was no longer an indemnity, they could not advise me to go to court.
April 20th
Letter from me to CMC, that went bust, returned, no longer there.
April 15th
HL Legal telling me they had instructions to issue proceeding at County Court.
April 28th
Experto threatogram re doorstep visit. I wrote to them advising what the CMC solicitor had said regarding winning in court.
May 5th: Experto wrote saying they would check with MBNA regarding my dispute.
May 10th
Took stock, decided after reading all the bumph from MBNA and friends that if they were so sure of their facts, they would have taken action 2 years ago. Decided to fight on.
July 5th
Experto wrote saying MBNA confirms that there is no dispute.
Aug 18th
Sent SAR to MBNA asking for original agreement, statements and a lot more.
Aug 23rd
Letter from MBNA saying they were unable to locate the account, asked me for DOB etc.
Aug 30th
I replied giving some information to MBNA, also asked why they didn`t know who I was as all their mail came to the same address.
Aug 25th
Experto wrote regarding the SAR I sent MBNA informing me that they, Experto did not have the original agreement.
Aug 26th
Another threatened doorstep visit.
Aug 31st
Letter to Experto re unavailable data.
Sep 8th
I must have mentioned a notice of assignment (never received).
Got one from Experto on MBNA headed paper undated. and a letter on Experto headed paper undated saying they now owned the account.
Sept 27th
Uncompleted SAR sent from Experto.
Oct 14th
Credit Management Consultants wrote saying the account had been escalated to them. Threatened doorstep visit.
Oct 23rd
I wrote to Credit Management telling them the account was in dispute.
Oct 25th
Uncompleted SAR received from MBNA.
I wrote informing them there was no signed copy of an agreement only a signed application form. Threw Ezsias v Welsh Ministers (2007) at them.
Nov 2nd
Disk with all calls to and from Experto.
Nov 2nd
Letter to CMC Account in dispute.
Nov 2nd
Sent letter to MBNA re no CCA, telling them the account was in dispute still.
Nov 9th
Experto replied to the above letter, Asking for my proposals re payment.
Nov 16th
Replied to Experto informing them still no original CCA.
Nov 18th
Another letter from Experto apologising for their numpties telling me the agreement (which they don`t have) was enforceable when only a court could decide this.
Nov 30th
More threats from my new friend Credit Management Consultants. re Bailiff`s warrant, Attachment of earnings, Charging Order.

2012

Jan
Experto called once and said in the convo that they didn`t know who Credit Management Consultants were.They mentioned a letter sent in December which I never got. They said they would now send it recorded delivery, I am still waiting.
Jan 31st
Further letter to MBNA re SAR.
Feb
Still no further response from MBNA, I warned them I will be making a complaint to all the relevant authorities..

That is it to date.

EMAILING NIDDY

Feb 10th
CCA Request sent, bit late but what the hell. They will be even more confused than me
Feb 24th
No response to my CCA request. Ignoring till they respond.
Niddy says

March 28th:
Letter from Experto with a CCA, same one MBNA sent in the SAR I asked them for.
I didn`t send a CCA request to Experto, that went to MBNA as the OC. I also corrected the issue date of the card.

EMAILING NIDDY

Niddy says still

March 30th:
Telephone harassment letter sent to CMC.
April 7th:
Letter from Experto apologising for any distress and inconvenience caused.
April 20th:
Letter received from MBNA re cca and account statements. Telling me to contact Experto for the CCA and statements are £4.00 per copy, they enclosed a list of all transaction. Please call if you require copies of the statements.
May 10th:
Statement of Account from Experto.
June 23rd:
Letter from Credit Management Consultants offering 50% reduction if I agree an instalment plan and make the first payment this month
July 13th:
Letter from Credit Management Consultants.
"We have HUGE sporting events lined up this summer, we have decided to offer you HUGE discounts to match these exciting events." Then goes on to offer 5%, 10%, 30%, 40%, and 50% all available only in July.
July 27th:
Letter from Credit Management Consultants, Final Demand in red scary letters (I`m shaking).They are aware I`m resident at the address, thats good cause they normally write to it. If I don`t arrange to pay they will refer for a doorstep cpllection, refer to their legal partner to progress via litigation. Call now to pay by debit or credit card.
July 28th:
Sent all three letters to CMC (Doorstep collection, account in dispute and threatening action.)
5th August:
Sent another request for all the statements missing from my SAR
9th August:
Another reply re the incomplete SAR. Say they responded to it but they did not send the statements which I asked for in the SAR. tell me to contact Experto who purchased the account for information regarding their response (MBNA) to my section 78 requests. They still want me to pay £4 per copy statement. Want me to call if i still want the statements.
25th August:
Reply from Experto regarding the letters I sent to Credit Management Consultants. Usual crap re the shit they sent complies with s78, I get the feeling they are trying to reset the clock with this one.
30th August:
Another letter from Experto. Final Demand
ffs from their investigations they know I am a resident at the above address, (no chit Sherlock) They want my doorstep again lol they may refer this account to their legal partner to progress via litigation.
31st August:
Both the Scottish doorstep and threat to commence litigation template letters sent back to Experto.
5th Oct:
Letter from Scott+Co from Edinburgh. Unless I settle within ten days, we may be instructed by our client to commence court action. Should a decree be awarded any expenses awarded will be added.
9th Oct:
Account sold in dispute template sent to Scott+Co
11th Oct:
Letter from Experto, This Arrears Notice is served in accordance with Section 86(c) of the Consumer Credit Act 1974
18th Oct:
Letter from Scott+Co in reply to sold in dispute template.
"In view of the contents we have referred this matter to our client and will contact you again once we are in receipt of their advice"

2013

13th Feb:

Letter from Scott+Co, We write in connection with the above stated account and recent correspondence.

"As requested,

We enclose herewith copy signed Credit Agreement with Terms and Conditions for your perusal.
We trust this clarifies matters and look forward to receiving settlement proposals.
Please remit direct to ourselves quoting ref no xxxxx"
16th Feb:
Letter to Scott re application form received.
23rd Feb:
Letter from Scott+co, thanking me for my letter the contents of which are duly noted.
They have referred this matter to their clients and will contact me again once they get some more crap from them.
25th March:
Letter from Scott+co, Our client informs us that they have satisfied their obligation under s78 of the CCA Act 1974.

Morning Folks,

Latest from Scott+co, they have enclosed a copy of the signed application form that Niddy deemed twice before on seeing this. They trust this clarifies matters and look forward to receiving my remittance by return together with reasonable terms of repayment if further action is to be avoided.

Not too sure how to respond to this, should I resend the form and letter to Niddy for his verdict?

Many thanks

[ScabHunter]

Re: mehim's UE Diary

Not too sure how to respond to this, should I resend the form and letter to Niddy for his verdict?

Many thanks

There is no need to do that if what you have received this time is identical to the previous form. If it was unenforceable before, it will still be unenforceable now.

If there is a difference, you could get it looked at, but then you would have to question how an application form could suddenly change itself long after it had been submitted.

Assuming that it is the same, I would send a short, simple letter referring them back to the previously sent Application Form Received letter.

“Dear Sirs,

I am in receipt of your letter of xxth March 2013, and note its contents. Please note that the application form you have enclosed is exactly the same as that which I have previously received, and, consequently, my position remains unchanged.

I therefore refer you to my previous letter of 16th February 2013, which remains unanswered. A copy of this letter is enclosed for your perusal and convenience.

Yours Faithfully,”

I would enclose another copy of the Application Form Received letter, exactly as sent before, including the 16th February date.

SH

[Mehim]

Re: mehim's UE Diary

Hi SH,

yip exactly the same with nothing else, they just highlighted "Credit Agreement Regulated by the Consumer Credit Act 1974" and the bit " This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms."

Suffice to say, as it is an application form there were no terms.

Many thanks, I`ll pop of the reply in a week or so.

TY

[Mehim]

Re: mehim's UE Diary

Tesco Credit Card

Start: 2006 corrected to 2003
Balance: £7,500 Now £7965.55
Last Full: 2012
Status: Enforceable but a f*cked up default notice.

2012

Feb 10th:
CCA request letter sent.

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

March 17th:
Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.

EMAILING NIDDY

March 21st:
2 letters from Tesco, lucky me.
First is telling me they haven`t received a payment. Please contact them.
Second is a default sum notice for £12. That wont be paid either.

Niddy is checking the CCA I got from them regarding this card.

Niddy says

March 27th:
Sent missing pt template letter
March 27th:
Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
April 7th:
Letter telling me I haven`t paid.
April 11th:
Letter wanting me to contact them urgently.
April 19th:
Letter , Notice sent because I am behind with payments.
April 19th:
Letter, Default Sum Notice.
April 20th:
Letter re them complying with s78.
"I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
They do not consider the account to be in dispute.
April 23rd:
Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
April 24th:
Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
May 10th:
Sending them the telephone harassment template letter.
May 25th:
Another Default Sum Notice.
May 25th:
Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
June 14th:
Letter terminating the alleged CCA
July 6th:
Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
July 20th:
Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
31st July:
Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
7th August 2012:
Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
17th August:
Another letter from them.

Further action to recover your debt

Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.

If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

2013

27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect

Afternoon Fellow Fighters,

Latest on Tesco.

I got a call from Fred`s yesterday but somehow I failed security (never found out who or what it was about) and they said they would write. FFS post was fast, got the letter today their date the 25th lol.

Seems Tesco have binned AIC and ran to Fred`s for help.

Account sold in dispute seems like a good one to send Fred`s along with in writing only.

Many thanks, please correct me if I`m wrong.

TY

[Deepie]

Re: mehim's UE Diary

Afternoon Fellow Fighters,

Latest on Tesco.

I got a call from Fred`s yesterday but somehow I failed security (never found out who or what it was about) and they said they would write. FFS post was fast, got the letter today their date the 25th lol.

Seems Tesco have binned AIC and ran to Fred`s for help.

Account sold in dispute seems like a good one to send Fred`s along with in writing only.

Many thanks, please correct me if I`m wrong.

TY

That's what I would do........

[The Tech Clerk]

Re: mehim's UE Diary

Afternoon Fellow Fighters,

Latest on Tesco.

I got a call from Fred`s yesterday but somehow I failed security (never found out who or what it was about) and they said they would write. FFS post was fast, got the letter today their date the 25th lol.

Seems Tesco have binned AIC and ran to Fred`s for help.

Account sold in dispute seems like a good one to send Fred`s along with in writing only.

Many thanks, please correct me if I`m wrong.

TY

gone to Freds = the stupid morons Freds? dddaaaaaaaa