Unenforceability & Template Letters II

never-in-doubt

Its best not to do anything and let statute barred kick in thus the debt is gone forever - wait the 6 years, do not admit liability now!

St0lli

never-in-doubt wrote: »

Click the main link, then scroll down til you get to this letter and send it! - - CCA Dispute - Terms & Conditions Supplied;

Don't worry - it covers what they have said in their letter, near enough as most send the same rubbish lol. See what they come back with, if they do not enter into communication - fine! Great!

They won't be able to take court action either lol.

You're in complete control of this right now, 1-0 to you

16. Various CCA Query Letter 'Variations'
Variations of CCA Queries, i.e.

- CCA Dispute - Illegible Copy Document Supplied;
- CCA Dispute - Terms & Conditions Supplied;
- CCA Dispute - Copy Document Supplied;

Thanks Niddy... just to confirm that at this point in time I am just sending the CCA dispute letter and the 16. Various CCA Query Letter 'Variations' will be sent if they come back to me?

Thanks,
St0lli

never-in-doubt

St0lli wrote: »

Thanks Niddy... just to confirm that at this point in time I am just sending the CCA dispute letter and the 16. Various CCA Query Letter 'Variations' will be sent if they come back to me?

Thanks,
St0lli

Hiya

No you send the letter above (in quotes) lol

never-in-doubt

You need to click the link in green then look for the letter highlighted in red, it is called a - CCA Dispute - Terms & Conditions Supplied;


16. Various CCA Query Letter 'Variations'
Variations of CCA Queries, i.e.

- CCA Dispute - Illegible Copy Document Supplied;
- CCA Dispute - Terms & Conditions Supplied;
- CCA Dispute - Copy Document Supplied;

martinjohn

thanks again for your reply NID, well in my circumstances i was considering going bankrupt (maybe IVA but looking unlikely) just to avoid all the hassle of debt collection and anything else, i dont want to upset others in the household with bailiffs etc. calling, im guessing that this is worth trying first then... i understand that there shouldnt be any debt collectors/bailiffs (if they dont comply/unenforceable) but whats the chances...

St0lli

never-in-doubt wrote: »

You need to click the link in green then look for the letter highlighted in red, it is called a - CCA Dispute - Terms & Conditions Supplied;


16. Various CCA Query Letter 'Variations'
Variations of CCA Queries, i.e.

- CCA Dispute - Illegible Copy Document Supplied;
- CCA Dispute - Terms & Conditions Supplied;
- CCA Dispute - Copy Document Supplied;

Thanks Niddy... I'm not normally this thick - honest! lol :rotfl: I think my brain is beginning to fry!

never-in-doubt

martinjohn wrote: »

thanks again for your reply NID, well in my circumstances i was considering going bankrupt (maybe IVA but looking unlikely) just to avoid all the hassle of debt collection and anything else, i dont want to upset others in the household with bailiffs etc. calling, im guessing that this is worth trying first then... i understand that there shouldnt be any debt collectors/bailiffs (if they dont comply/unenforceable) but whats the chances...

Hiya

Ok, try the other approach mate - tell me who you have cards with and the balances - also, have you been defaulted yet or are you in arrears or upto date?

Lots to take in before jumping on the UE bandwagon...

martinjohn

never-in-doubt wrote: »

Hiya

Ok, try the other approach mate - tell me who you have cards with and the balances - also, have you been defaulted yet or are you in arrears or upto date?

Lots to take in before jumping on the UE bandwagon...

Thanks NID will PM you details.

DGJsaver

Hi NID , hope your well , just a quckie , was about to post our CCA request first letters to Barclays and Barclaycard , and in the post yesterday before i had the chance was a default notice from Mercers on behalf of barclaycard , they say pay a certain amount to bcard by a certain date OR call them (Mercers) so who do i now address the letter to , bcard or the mercers address given on the letter ?

Cheers

never-in-doubt

DGJsaver wrote: »

Hi NID , hope your well , just a quckie , was about to post our CCA request first letters to Barclays and Barclaycard , and in the post yesterday before i had the chance was a default notice from Mercers on behalf of barclaycard , they say pay a certain amount to bcard by a certain date OR call them (Mercers) so who do i now address the letter to , bcard or the mercers address given on the letter ?

Cheers

Send to either mate, if you've done a cheque etc to Barclays then send it there as though you posted it before you got the letter from mercers. Barclays will send the request to them, if they want to or deal with it themselves.