BlueSquirrel
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Everything posted by BlueSquirrel
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So does that explain why when you send in pound for the CCA they credit it to your account?
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I have responded to them saying that if they issue on the previous UK address, they do so in the knowledge that it is not my current address and that anything served there will not reach me. They may go ahead and do it anyway, but they can't plead ignorance. My CCA request is over 6 months old and has been ignored and I know from looking at copies of others of around that date that it should not be enforceable anyway, so perhaps they are all mouth and trousers.
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Egg loan/CapQuest threats, even when I live and work in China!
BlueSquirrel replied to alisindebt's topic in Egg
Hello I picked up on this post because I am abroad and a solicitor for Egg is threatening court action. Someone on another thread said they could maybe used substituted service. What can they do via county court if I am outside EU? This is also for an Egg Loan and they have never sent me a copy of my agreement -
Yes I gave them my non UK address. I wrote to them to say I have not had the CCA from the credit card company nor has anyone told me that it the debt has been passed to them to deal with. The UK address they have is not a property I own or have ever owned. I was aware of the substituted service issue but I did not think that also applied to an overseas address as I thought they had to serve within the jurisdiction of the court.
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Threats from DCA but living overseas
BlueSquirrel replied to theoldgit's topic in Overseas Debt/Overseas Account issues
I am convinced they do it on purpose, I have told everyone I am dealing with that I am overseas and given them my address, but they continue to write to my previous UK address. Probably so they can issue county court summons and get judgement by default. -
I have received a letter from a solicitor acting for a credit card company I am in dispute with. I sent a CCA request back in March but despite writing to the credit card company saying the account is in dispute I have heard nothing. Now these solicitors say they will be issuing a county court claim. Can they do that when I am not resident in the UK and am permanently resident overseas (not in EU.) Is it lawful for them to issue on my last known UK address, (een though they know I do not live there) in which case they will probably get judgement by default without me knowing about it. Any info much appreciated. Thanks
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Just a very quick question, can credit card companies pass on the debt to a debt collector, BEFORE tjey have issued a default notice or can they pass it on when they feel like it?
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Case Management Conference MBNA vTricky Dickie
BlueSquirrel replied to Tricky Dickie's topic in Financial Legal Issues
Just another thanks to TD for the report. All very interesting... -
And I still love Darset's reply when they said they were a telephone bank "that's a shame as I am a letter writing person." I did say to the person from MBNA I could understand why she was in a bad mood having such a cr%p job but they went all defensive and said MBNA don't owe you money, we don't have to do anything. WHATEVER
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All MBNA Caggers Fight Against MBNA's underhand tactics
BlueSquirrel replied to pompeyfaith's topic in MBNA
What annoys me about MBNA, is they take 6 months to reply to an SAR, send a copy of my agreement which isn't actually a copy of my agreement and ignore my letters. They have rung me up at 5am and 6am and tonight again while I was having my dinner and then tell me I am being awkward because I don't want to speak to them and want everything put in writing. Just wanted to vent..... -
I did eventually get my SAR from MBNA although it was mostly impossible to decipher. I sent in a letter with some queries and they have not responded.
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I probably should have restrained myself but I was just feeling frustrated having sent numerous well thought out and reasoned letters only to get a garbage-a gram in return. I just got a DN too and in common with a couple of other companies, having corresponded with me at my new address the DN was sent to my old one.
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But what happens if you commence a claim for charges and in the course of this you do an SAR which produces a CCA which you then realise is not enforceable, so you then dispute the account.
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All MBNA Caggers Fight Against MBNA's underhand tactics
BlueSquirrel replied to pompeyfaith's topic in MBNA
Doesn't it mention an "intelligible format" for SAR. So if you can't read it... -
Had a few more calls from these jokers, I still have no idea who has instructed them, they say they have written to me but I have received nothing. They gave me an address they had sent a letter to before ascertaining who they were speaking to. I don't think professional or intelligent are words in their repertoire.
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OFT letter re true copies of CCA
BlueSquirrel replied to BlueSquirrel's topic in Debt Collection Agencies
Thanks for that There was another posted about 6 months later that may have had a slightly different wording....? -
I wrote them a letter headed You Need To Reply To My Correspondence! Bold letters, capitals and exclamation marks seem to have some kind of special magic powers so I thought I would give it a go.
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I remember seeing a letter posted on here from the OFT regards true copies and after much searching I cannot relocate it. Can anyone point me in the right direction. Thank you
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