Unenforceability & Template Letters III

Hi Nid

thanks for the reply, will send the letter pronto - there is no way they could know where i work now as I have worked at several different places since completing the app form so Im amazed they found out and am furious that they rang me :mad:

thanks for your help:)

never-in-doubt wrote: »

Nah mate - leave it for 28 days.... you have proof of sending right? That's all that matters, its not for you to prove delivery - you sent it and have proof, that's the main thing. :beer:

Hello mate

Re : http://forums.moneysavingexpert.com/showpost.php?p=30401193&postcount=71 Post 71

I am back; Barclays have got back to us now, after us sending final response letters

The letter for the loan (you have seen the agreement and agreed with me it was unenforceable , but i emailed it to you....and discussed it on the previous Unenforceability thread) is from CDCS , are they a DCA from Barclays under a different name ? and it says the usual , pay within 7 days , details have been logged at CRA etc , says further action WILL be taken if no action on the letter , but doesn’t specify what..

The letter for Barclaycard (which we also discussed on the old thread they sent the usual t&c`s etc no signatures etc or personalisation of the alleged CCA Copy) is from Calder’s who i know ARE part of Barclays? Saying the usual, bailiffs, attachment of earnings etc etc

Now, i know you may say just file them in the cat litter etc, which i will if you insist, but is there a nice little template i can send them both as i hate being threatened and these two are `new` people to contact us so may need a reminder of their clients lack of sending us the enforceable CCA..


Cheers mate

never-in-doubt wrote: »

New Templates - 2 pages back!! Send this: Harassment by Telephone - At Work :mad::mad:

when nid is finished with them?:D

Hi NIDS,

Have received my credit files from all 3 companies and have some questions please:

I can find little evidence of the debts being sold on from the credit files yet in a lot of cases it is DCA's chasing me and DCA's who are being paid via the DMP I have set up. Do I send the CCA requests to the DCA or the original lender ?

All but one have already been defaulted on my files, albeit I cannot find any letters to me regarding all of them to inform me, however I may not have filed them correctly so cannot say for sure that I didn't recieve notice. Is this important ?

My 2 Barclaycard A/C's aren't showing on any of the reports however they are old so may have been defaulted some time ago and dropped off ?
I'm still been paying them off.

The Cahoot loan (2002) is a strange one. I have been paying via a DCA for some time however earlier this month Santander sent me a letter (undated) stating that they wrote to me recently (they didn't) to say that the account was being transfered to them in March 2010, no interest was being charged and I can manage the loan through contact centre support and will receive monthly statements. I know Cahoot was part of abbey, thus now Santander so do I send the CCA to them or the old DCA ?

The MBNA loan appears to have been sold on to the DCA i.e. it shows MBNA ended the a/c 30/082005, however the DCA who have been dealing with me show up with the start date the same as the original loan and an end date of 30/07/2005 and haven't updated any payments.
The 2 companies entries are on different credit reports.
Do I send the CCA to the DCA ?

Sorry for so many questions, just want to be sure.

TIA