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Please help me - Solicitors letter received
Comments
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Good luck.
From what I can tell it is probably worth going on the attack lol
Send CCA requests to everyone and claim everything back that you can, charges and even try with the PPI! You never know until you try.
At the least it will buy you some time as I dont think they can take any enforcement action while the accounts are in dispute.
Chris0 -
Interesting comment euronorris. I recently applied for a card and when I received the documents I didn't like the terms. So I sent back the agreement with "No longer required" scrawled all over it. They still sent the cards anyway. Does that mean I am not liable for any debts on the card? That’s a nice thought.0
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brookhaven wrote: »Interesting comment euronorris. I recently applied for a card and when I received the documents I didn't like the terms. So I sent back the agreement with "No longer required" scrawled all over it. They still sent the cards anyway. Does that mean I am not liable for any debts on the card? That’s a nice thought.
Just dont use the cards and close the accounts then.....Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;Debts as of May 28th 2011:Santander CC: £0.00Lloyds OD : £0.00DFW Nerd #1247 - Proudly dealt with my Debts
Olympic 2012 Challenge #12
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brookhaven wrote: »Interesting comment euronorris. I recently applied for a card and when I received the documents I didn't like the terms. So I sent back the agreement with "No longer required" scrawled all over it. They still sent the cards anyway. Does that mean I am not liable for any debts on the card? That’s a nice thought.
They would know you spent the money so you are still in a sense liable for the debt, but if they haven't got a signed CCA then they can't enforce it in court so can't force you to pay. That is if the card was pre april 2007, rules have changed since then.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0 -
They added 10k to this debt in a year? Doesn't that sound hookey too?
After reading so much on the subject it strikes me that letter is using family and so on as leverage ...which isn't legal. They can't involve or discus, (or threaten to) your debts with third parties I understood.
Ceebee is right ...NID is the man likeliest to be able to put this in perspective.
tHi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
After reading so much on the subject it strikes me that letter is using family and so on as leverage ...which isn't legal. They can't involve or discus, (or threaten to) your debts with third parties I understood.
t
OFT GuidelinesPhysical/psychological harassment
2.5 Putting pressure on debtors or third parties is considered to be oppressive.
2.6 Examples of unfair practices are as follows:
i. disclosing or threatening to disclose debt details to third parties unless
legally entitled to do so
j. acting in a way likely to be publicly embarrassing to the debtor either
deliberately or through lack of care, for example, by not putting
correspondence in a sealed envelope and putting it through a letterbox,
thereby running the risk that it could be read by third parties.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0 -
Got to run
More important still is the default notice legally complaint - you need to scan it minus identifying details and post link here.If you've have not made a mistake, you've made nothing0
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