Unenforceability & Template Letters III

never-in-doubt

in_to_deep wrote: »

what do you recommend ?

Give me a rundown on what has happened please, or link me back to the original posts - ive seen too many since and cannot remember the history (sorreee)

burton_trade_kitchens

Hi NID,
Can I ask a quick question please.
I have recieved a letter from Citi today, and would like your views on it.
I have sent them my final response letter about 3 weeks ago.
They have never replied to my CCA request from back in November.
The letter says:
We have recently announced an agreement to transfer the ownership of some of our Citi Credit card accounts, including your account to CC Asset Managment Ltd (CCAM).
We would like to make you aware that CCAM is now responsible (as data controller) for the personal information contained in the records relating to your account.
Under the terms of CC Asset Managments Ltd agreement with us, they will have the right to request that certain changes are made to your account and/or the related consumer credit agreement.
Should CCAM require any alteration to your account you will be notified in accordance with the terms of the credit card agreement prior to any changes being made.

Is this anything to worry about or are they simply selling the account on ?
Have you heard of CC Asset Managment Ltd before ?
Do I need to respond to the letter from Citi or should I just wait to hear from CC Asset Managment ?
Thanks once again for your help...

never-in-doubt

burton_trade_kitchens wrote: »

Hi NID,
Can I ask a quick question please.
I have recieved a letter from Citi today, and would like your views on it.
..

Mate citi sold their UK credit card portfolio - see here: Citi card

Happened to me as well, and I have a £0 balance and £8k limit

Every single citi card customer (in UK) will get one, other than Egg customers.....

Rainbow_Liberty

Sorry NID, basically the only bit that was a quote was when you had asked if all of my accounts were over 8 years old. I then went on to explain each creditor/debt that I had but didn't quote you an further. Quite new to writing on forums and haven't quite got the hang of quoting things. Sorry

ELMA97

Hi NID
Dont know whether you will remember this, havent been on posting as HBOS have been quiet. I have a HBOS cc- sent cca letter received recon, sent query letter, rec'vd application(dispute over interest- and also a moral issue which I pm'd you about a while back) Not paying obv, they still adding interest and sending statements, but nothing else. Do I still ignore them, as you said to do going back a month now? thanks

never-in-doubt

ELMA97 wrote: »

Hi NID
Dont know whether you will remember this, havent been on posting as HBOS have been quiet. I have a HBOS cc- sent cca letter received recon, sent query letter, rec'vd application(dispute over interest- and also a moral issue which I pm'd you about a while back) Not paying obv, they still adding interest and sending statements, but nothing else. Do I still ignore them, as you said to do going back a month now? thanks

Hiya

Nothing changes - continue as planned.....

Forget the interest, you aint paying it are you? :rotfl:

burton_trade_kitchens

Hi NID
Thanks for the super fast reply mate.
Just had a quick read and still confused.
Will this affect unenforcability on the account ??
Surely the origional creditor (Citi) is still in Default of my section 78 request.

ELMA97

hiya
ok thanks for your help. nope, havent been paying for a few months now.:)

never-in-doubt

burton_trade_kitchens wrote: »

Hi NID
Thanks for the super fast reply mate.
Just had a quick read and still confused.
Will this affect unenforcability on the account ??
Surely the origional creditor (Citi) is still in Default of my section 78 request.

Mate - nothing has changed..... that's what that thread is about! Basically everything is the same but they have varied the agreement - the variable being they have sold it. This is happeneing to good and bad customers mate - everyone.

In your case, why would it affect anything? Exactly?

Rainbow_Liberty

NID sorry reply has taken so long as explained in PM changed it now thankfully so feel much happier posting details.

When I initally posted you asked if all of my accounts were over 8 years old
I've been going back through my paperwork (what I can find of it) to look for dates but everything is well over 8 years old. Don't know if there was any PPI or not on any of them but doubt it would help now anyway.

Barclays Masterloan £10,000 taken out 21 December 2000 APR 14.9% payments should have been £285.20 per month but by June 2001 I'd had to reduce payments to £40 and by August 2002 I was paying £1 to each of my debts. Balance outstanding £15,636.40.

Don't remember when I took the Barclaycards Visa & Mastercard but had them in the early 1990's as used to use them when I lived abroad. Debt has been moved to different collectors - Now Mercers.

Mastercard - Again paying £1 per month since August 2002. Balance outstanding £3,888.04. (Not that this makes any difference but I rather stupidedly let a 'good' friend use my card when having financial problems - have since realised not as 'good' a friend as I'd thought - she can't afford to pay it back either and I'm liable for it)

Visa - Again paying £1 per month since August 2002 by standing order. Balance outstanding £2,941.35.

Egg Card - Don't remember when taken out but have default letter back to November 2001, they have moved this debt around to a number of different agencies - Moorcroft Debt Recovery Limited - Pre-court Division, Credit Solutions, back to Moorcroft Debt Recovery Limited - Pre-court Division, Moorcroft Debt Recovery Limited - Home Collections Division, Moorcroft Debt Recovery Limited - Pre-court Division, Westcot Credit Services Ltd. Last letter I had was dated 27/09/05 with outstanding balance £4140.50. Again paying £1 per month since August 2002 by standing order.

Egg Loan - Taken as a consolidation loan November 2001 and has again been paying £1 per month since August 2002 by standing order even though this also has been changed companies from Collect Direct (UK) Debt Recovery Specialists, Trevor Munn LLB Solicitors, ARC (Europe) Ltd Credit Management. Outstanding Balance £8,969.87 (5th October 2009)

Classic World of Fitness - this wasn't a loan or card, this was a direct debit for gym membership. I had been going for quite sometime and had a break for a while before deciding to go back to the gym. When on my break I cancelled the direct debit and never had any problems with the cancellation. When I returned to the gym and explained that it would only be for a few months as I was due to go into hospital for stomach surgery so wouldn't be able to continue afte that I was told it wouldn't be a problem, just to reinstate the original direct debit - sign here..... it was only when I cancelled second time around that it became apparent that I had actually been duped into signing a new contract for a period of time that I, and they, knew I wouldn't be physically able to attend. I wrote many times to explain and that fact that my health prevented me from returning but I've still been told I can not cancel the gym membership repayments and since August 2002 have been repaying them at 11p per month. This has also been passed a number of times from Classic World of Fitness to Consumer Collection Limited, Robinson - Way & Company Limited. Outstanding balance £194.88

Robinson Way are the only ones so far to have replied to my request for the CCA (as I previously posted) and I have today sent them the letter you very kindly wrote for me and I have cancelled the standing order to them. Will let you know when they reply.

After managing, in a way, to sort myself out with the £1 per month and just about managing to keep my head above water with my bills each month my health took a rather dramatic turn for the worse in 2005 which led to me being hospitalised for two months and left me registered as disabled. Everything became a struggle. Whilst in hospital I obviously couldn't maintain any of my banking details and when I came home had been charged a number of different charges which when I did begin to feel a little better I wrote to the banks involved, I was waiting to hear along with everybody else as I knew that there was a backlog but things were still going ahead, I just wanted to get back to where I should have been if the charges hadn't happened during my hospitalisation and illness.

Needless to say the court case then came along and everything was put on hold, but the spiral of charges had begun. I tried to get ontop of it, kidded myself that I could, but a few weeks ago everything came to a head and I realised that this ostrich had to take her head out of the sand, wake up and smell the coffee and do something constructive or I will never ever be out of the circle.

Since having been in hospital I have incurred nearly £5,000 in bank charges - I hadn't realised it was so much and I have now written to each bank concerned - unfortunately I didn't realise they should have been recorded so if I don't hear within a month I will send the first letter again but record it.

Today I had my first letter back regarding charges that were on my First Direct credit card (this had been paid off when I cashed policies in) I had asked for £82 plus interest and they have agreed to repay £104.17 which will now go into one of my other First Direct bank accounts towards the overdraft I have with them.

As First Direct where charging me a fortune each month and missing payments constantly because of taking their charges I opened accounts elsewhere and now have ALL my direct debits paid on time each month. That in itself is a relief.

Now if I could get the charges sorted and know what to do with the loans/cards I would be ok. I would really love to one day be able to wake up and have this sorted once and for all - even if it means me having to go bankrupt to do it.