Unenforceability & Template Letters

pinkerton_angel

Hi N-i-D
With reference to post http://forums.moneysavingexpert.com/showpost.html?p=24138103&postcount=1035, I've finally had a response from Cabot, I've scanned it in, is it ok if I PM it to you? Don't want any spies getting sight of it!! lol
Thanks
pinky

never-in-doubt

pinkerton_angel wrote: »

Hi N-i-D
With reference to post http://forums.moneysavingexpert.com/showpost.html?p=24138103&postcount=1035, I've finally had a response from Cabot, I've scanned it in, is it ok if I PM it to you? Don't want any spies getting sight of it!! lol
Thanks
pinky

Go for it......

ratcatcher1_2

Has anyone had much success with Egg or Unison (Bank of Scotland) cards? Any tips or useful advice would be much appreciated.
I want to start the process now, better late than never, and I guess I am just a it concerned what I am getting myself in to.
I noticed that a lot of letters/posts say that you will no longer make the payments until the debt has been cleared, or you have come to an agreement. I have been advised that you should keep up the payments until the debt is settled, or the dispute is finished, to stop your credit file being ruined by these companies. Any thoughts on that?
thanks very much
:undecided

Cahoot_hater

Hi NIDS,

I was about to send of the remider letter to them today and as it happens I received a letter from Natwest today. The letter they sent me is identical to the one they first sent me.

see here: http://forums.moneysavingexpert.com/showpost.html?p=24097669&postcount=982

The only difference is the date on the letter.

Now I can only guess that they don't have the original default notice, termination notice nor the CCA.

Looks like they are hiding behind the bush here or taking the pee.

What's my next point of action, any ideas, is it time to start a claim?

Still_surviving

Whilst waiting for the days to tick away on my 4 x CCA requests, I thought I would tot up the charges applied to my accounts - it comes to about £1600 over six years

Is it worth pursuing a claim for these items, as wont they be just refunded to my credit card account? especially if time ticks on and the accounts go into dispute via the unenforceability route?

Sorry for the maybe dumb question, buts it only once you sit down and add these damn charges up that you realise how much youve been scalped for.

never-in-doubt

Still_surviving wrote: »

Whilst waiting for the days to tick away on my 4 x CCA requests, I thought I would tot up the charges applied to my accounts - it comes to about £1600 over six years

Is it worth pursuing a claim for these items, as wont they be just refunded to my credit card account? especially if time ticks on and the accounts go into dispute via the unenforceability route?

Sorry for the maybe dumb question, buts it only once you sit down and add these damn charges up that you realise how much youve been scalped for.

You make the request and add a part saying you want them sent to your home address via cheque - not to be added to any 'alleged' balance.....

They may not listen, in which case you decline the offer and report to the FOS and they can make the bank send you a cheque....

leanne82duke

hey guys
so far i have sent CCA requests to BCW and Westcot, via recorded delivery on the 7th sept
i have recieved a response from BCW saying that my account number was incorrect, which it is not as i called to ask for account information and they found it straight away so i am ignoring that letter.
i also received a data request from westcot which i have decided to ignore as NID pointed out if they are not sure it is me then they should not have contacted me in the first place, and i am quite confident now that the debt to westcot is statute barred so i have sent them the statute barred letter.
to BCW i have sent a reminder CCA request stating that i will not be paying whilst in dispute blah blah blah.
have sent both via recorded delivery so we will see what happens next.

blueforyou

ratcatcher1 wrote: »

Has anyone had much success with Egg or Unison (Bank of Scotland) cards? Any tips or useful advice would be much appreciated.
I want to start the process now, better late than never, and I guess I am just a it concerned what I am getting myself in to.
I noticed that a lot of letters/posts say that you will no longer make the payments until the debt has been cleared, or you have come to an agreement. I have been advised that you should keep up the payments until the debt is settled, or the dispute is finished, to stop your credit file being ruined by these companies. Any thoughts on that?
thanks very much
:undecided

Ratcatcher - you will find advice guidance, templates and help here:

http://forums.moneysavingexpert.com/showthread.html?t=767025&highlight=cca

Good luck - its scary at first, but check the BBC news item mentioned in the latest few messages in the link above.

never-in-doubt

blueforyou wrote: »

Ratcatcher - you will find advice guidance, templates and help here:

http://forums.moneysavingexpert.com/showthread.html?t=767025&highlight=cca

Good luck - its scary at first, but check the BBC news item mentioned in the latest few messages in the link above.

LOL, why post another link when the thread you're on is a more current version?

Tip: Look at thread name & page 1 of this thread!

Malky

Saw a bit in the Sun paper yesterday on how someone successfully got £8500 wiped out. Can't remember the card company. Anyhow it seems the person requested no PPI but was still charged it anyway.