Unenforceability & Template Letters II

never-in-doubt

underworld wrote: »

Hi NID, seem to have the same problem as above but from Lloyds.... www.photobucket.com/home/underworld_44

Mate that is not enforceable (i.e. it is unenforceable), you should send the letter below back and stop payments, assuming they've already defaulted you? If not, then think before continuing.....

3. CCA Query

never-in-doubt

Afroking wrote: »

Hi Niddy,

Thanks again for your ever quick reply.

I've PM'd you mate....

Afroking

Hi Niddy. Thank you very much. As ever very much appreciated. spot on.

never-in-doubt

:T:T Good Morning Everyone :T:T

underworld

never-in-doubt wrote: »

Mate that is not enforceable (i.e. it is unenforceable), you should send the letter below back and stop payments, assuming they've already defaulted you? If not, then think before continuing.....

Excellent and thank you :beer:

The CCA Query will be on it's way tomorrow, I've already stopped payments as I'm fed up of paying these sharks, don't think they're too happy about it as I've had to unplug the phone

planning_ahead_2

never-in-doubt wrote: »

:T:T Good Morning Everyone :T:T

Hi NID

I have no CCs or loans which I want to check are unenforceable but I always check in and follow this thread - usually first thing I do on this forum each morning:)

It was lovely to see such a welcoming 'good morning' to everyone. The same goes to you to - have a great day:beer:
I love the thread, am in awe of your knowledge, and am always pleased to see when you advise someone their credit agreement is unenforceable. Just wanted to say how good it is of you to commit so much of your time to so many people - can't work out how you still have time for your own life - the picture I have of you in my head is almost that of a lawyer in one of those John Grisham films......battling away against a huge industry for the little people, with piles and piles of cases all being worked on:rotfl:

never-in-doubt

planning_ahead wrote: »

Hi NID

I have no CCs or loans which I want to check are unenforceable but I always check in and follow this thread - usually first thing I do on this forum each morning:)

It was lovely to see such a welcoming 'good morning' to everyone. The same goes to you to - have a great day:beer:
I love the thread, am in awe of your knowledge, and am always pleased to see when you advise someone their credit agreement is unenforceable. Just wanted to say how good it is of you to commit so much of your time to so many people - can't work out how you still have time for your own life - the picture I have of you in my head is almost that of a lawyer in one of those John Grisham films......battling away against a huge industry for the little people, with piles and piles of cases all being worked on:rotfl:

Hiya Mate - thanks for your message, how nice

I work in a good job so have a lot of spare time to spend, otherwise it wouldn't be as bad as this (i.e. i'm working right now - otherwise trust me, i'd be zzzz ing away lol) :rotfl: :rotfl:

But yea, I am always logged in here or in my emails and at the last count, have 86 emails to work through - from the last week :eek: :eek: you can imagine the amount of PM's I get

tryingto

Hello,

I received a letter yesterday from First Credit after sending them the CCA dispute letter. I was hoping for some advice on what to send back to them as there are some parts of the letter that don't make sense to me/ I don't know what to say. It is listed as their final response. They say they have requested documentation to be supplied to me and will forward this. Then they write about McGuffick v Royal Bank.

The main bit I don't get though is they say 'as you have not raised a dispute regarding the debt itself, we would decline your request for your information to be removed from the credit reference agencies.' 'Furthermore you have not specified upon which ground you rely for your notice under s10 of the Data Protection Act and therefore we no not consider this valid; additionally this is not a valid request as it falls under the exemption in Schedule 2 section 2(a) of the Act'. Not a clue what all that even means! Any tips on what to write back?

Thanks very much.

never-in-doubt

they all say that - just read this thread!

McGuffick judgement is on page 1 (post 1) - it means they can default you, basically but I would have told you at the start anyway......

Don't worry about the s.10 - they will argue it. You've sent the dispute so leave it at that - you're in stalemate as is usual.

tryingto

Thanks very much. I'd read about McGuffick but yep, I have defaults on them all anyway. It was more the that I hadn't raised a dispute against the debt itself that i didn't get as I thought that was exactly what I was doing! Good to know it is all just standard then and I just leave it and wait and see.

Cheers again.