Unenforceability & Template Letters II

terimon

never-in-doubt wrote: »

When your bank account goes into default you come to me and we'll sort it mate

Thank you i feel better already

terimon

Off to see a mate think he has a bit of work for me :T

never-in-doubt

Mate have you got any credit that you need to obtain? If so you apply now cos that will be that for 6yrs...... so get any applications in now while you can.

Just an afterthought, do you have a mortgage etc? Thinking of moving in the near future or anything?

How much are you o/d? It may be an idea to pay the o/d off, keep the bank account intact and then let me write to natwest and remind them that they cannot issue a default - what you think?

You need to make the decisions here pal

Rainy_2

terimon wrote: »

My last Experian credit score on September 14th 2009 was 947/1000

My last Experian credit score was 289 :eek:

never-in-doubt

Rainy wrote: »

My last Experian credit score was 289 :eek:

Ahhh bless, mine is still only -1000 haha

Seriously though, don't worry about that score its as much use as a chocolate teapot

pepe2008

Anybody seen this one before?

I have made CCA requests to Barclaycard and they have come back with 1) somebody ELSES full financial details....thanks Bcard! that means that I now have a promise of NO int or Charges until repaid ( and I hold those details to secure that:D)
2) the usual blank Agreement claiming that the '1983 Amendments to the CCA ' say that that is OK.........rubbish as we know.

Yesterday I was sent this...accompanied by blank Terms and Conditions.
Quote,
With reference to the Civil Procedure Rules (CPR) we have provided you with sufficient information to allow you to understand our position.
The CPR does not confer an automatic entitlement to documents before proceedings start.
CPR 31.16 provides that a party may apply to the Court for pre-action disclosure in certain limited circumstances, which do not apply here. the application must be supported by evidence- and the usual order is for the Applicant to pay the costs of the application, including the respondents costs, together with the respondents costs of complying with any order that is made as a result ( CPR 48.1(2)).
While there is no formal obligation on our part to provide documentation in answer to Validation of Debt correspondence, we have undertaken steps tp provide you with the Contractual terms under which your Financial obligations arise.

....my reaction is b****cks, READ the Consumer Credit Act Barclaycard!

.....any thoughts?

blueforyou

terimon wrote: »

Ok i wont ever be using NatWest for anything again. I have been a perfect customer (including business) for over 20 years banking and 13 years on credit card. I come into financial dificulty and ask for time and help, do they give a flying ****. Of course not. Balls to them from now on!

Banks are incapable of learning. They are a disloyal, untrustworthy and basically shabby lot. I had the same experience as you with Barclays.

Maybe job losses might focus a few minds.

terimon

never-in-doubt wrote: »

Mate have you got any credit that you need to obtain? If so you apply now cos that will be that for 6yrs...... so get any applications in now while you can.

Just an afterthought, do you have a mortgage etc? Thinking of moving in the near future or anything?

How much are you o/d? It may be an idea to pay the o/d off, keep the bank account intact and then let me write to natwest and remind them that they cannot issue a default - what you think?

You need to make the decisions here pal

Dont really need any credit at the moment.

No mortgage.

About £2250 overdrawn but my parents said they will help and i can pay them back in my own time. I am back living with my parents. Its embarrassing having to move back in at my age but after i lost everything and split up with the missus i had no option really. Moved back down to London from oop north (Ormskirk).I am lucky they care about me to be honest.

terimon

I think moving back out is going to be my biggest problem in the next six years whether rent or mortgage. I managed to get some work today at least not what i really want to be doing. But beggars...........

terimon

If i pay my overdraft off surely NatWest cant default my account anyway