Unenforceability & Template Letters II

never-in-doubt

DoubtingThomas wrote: »

I don't feel I am doing anything wrong - it's just survival now, whichever way it's done, as long as it is legal.
What frightens me about these things is that reason seems to fly out of the window at the drop of a hat, and the sheer speed at which they move to clobber you!
So it becomes a fencing duel without need.
Will listen to what you have said - whichever way you go, it's a risk.
Cheers

DT

Mate lenders can be as nice as you want, until you cannot make a payment then you see their 'real' behaviour. Just stop worrying and forget morals, the lender doesn't have any so why should you?

I'll be back later to look at your last post.

never-in-doubt

Emma29 wrote: »

We are not worried about defaulting his account. I am sending of the Query request today for the ones that have replied, and also sending the reminder letter to the onesd that have not replied.

Thank you for taking the time out to on this thread.:T Thank you so much.

Hiya

Thats the correct action to take - good luck and update us later when you get any responses - remember no speaking on the phone to them........ :D

never-in-doubt

stebiz wrote: »

I was so surprised to see a company suggest that the limitation priod ran from the default date, not the last time you acknowledged the debt.

Then I saw it was Cabot :rotfl:

LOL, exactly they are a bunch of cowboys - really they are! :rotfl::rotfl:

I have their version of a forgery as well, i.e. an agreement they totally made up using photoshop - that is my ace card if they get too clever!

DGJsaver

never-in-doubt wrote: »

Mate lenders can be as nice as you want, until you cannot make a payment then you see their 'real' behaviour. Just stop worrying and forget morals, the lender doesn't have any so why should you?

I'll be back later to look at your last post.

Absolutley SPOT ON

never-in-doubt

terimon wrote: »

This site an especially NID are bloody fantastic and very very helpful.

I would listen to everything that he says :T

lol, bless - thanks :embarasse:embarasse

never-in-doubt

DGJsaver wrote: »

Absolutley SPOT ON

When am I not spot on? tut tut mate :rotfl::rotfl::rotfl:

razer12121

this thread is very helpfull! some people on here have some amazing knowlege! "snippet NID snippet" nice one,

optimax

hi never-in-doubt
I am new to this forum so I have no idea I did read most of your replay but can’t find anything about my question ….
My all the cards are after April 2007 can I still sand CCA Request letters to all my creditors

never-in-doubt

optimax wrote: »

hi never-in-doubt
I am new to this forum so I have no idea I did read most of your replay but can’t find anything about my question ….
My all the cards are after April 2007 can I still sand CCA Request letters to all my creditors

No you cannot - only before April 2007.

never-in-doubt

DoubtingThomas wrote: »

Hi again NID,

Hope this makes more sense this time!

Much better mate - but already worked out what you have, i.e. 3 cards (2 Varclays & 1 Crappy1)

DoubtingThomas wrote: »

Debts
Mortgage –priority – up to date
Excellent - don't fall behind with the mortgage lol
Secured Loan – priority – up to date
As above - well done
Unsecured Credit: Credit Cards: Barclaycard by 2 - 1985 & 1996
Probably both be unenforceable, knowing them!
Capital One – One card - Dec 2005
Similarly, if they bother to reply they will not send the agreement but instead a silly threat - you'll see loads of the same Crappy1 letters on here :rotfl:
(Two bank overdrafts – see my earlier post – these now disappear from view!)
Are they over 6 years old or something? But regardless, you cannot CCA them

See my red comments next to your text above.....

DoubtingThomas wrote: »

Barclaycard

Send the following letter back to Barclaycard - one for each account: 4. CCA Dispute

DoubtingThomas wrote: »

Capital One

See what happens, give them about 3 weeks in total, let them default as it helps you if things get messy (i.e. they did not respond in time).... Post back when you hear from Crappy1

DoubtingThomas wrote: »

Payments

Stop making payments now, no more - until such time they send compliant agreements then the accounts (all 3 of them) are unenforceable.