Unenforceability & Template Letters II

fermi

Note: We have already had an employee of Crudit Issues trying to spam their services since this.

If anyone sees that again, please report the posts.

coffeedog

never-in-doubt wrote: »

LOL, they tell me that it'd be pointless pursuing unenforceability (unfortunately).... :mad:

Thaks for that NID, i'm still waiting for the other 2 CCA's so hopefully something is missing from them.

I really am grateful for eveyones help so far :T

never-in-doubt

fermi wrote: »

As far as I know.

I knew MBNA were gutless, but....................

Do we have any other details about these test cases? Have your CAGger contacts been attending court for the progress and live coverage?

I've sent a couple of contacts there a message and i'll see what they come back with..... I should be trying to follow this really but a little too busy at work (typical).....

never-in-doubt

fermi wrote: »

Note: We have already had an employee of Crudit Issues trying to spam their services since this.

If anyone sees that again, please report the posts.

Are they jumping on the band wagon trying to generate business (i.e. that the bank pulled out - not that they won)! Thats dire, shows how sad they are - thing is it is scum like that that not only open the floodgates with new cases but also help to close them with their spamming! Grrrr :mad: :mad: :mad:

fermi

never-in-doubt wrote: »

Do we have any other details about these test cases? Have your CAGger contacts been attending court for the progress and live coverage?

Nope. A bit in the dark on this really.

There is this......

http://twitter.com/Credit_Issues

But again, the source is obviously biased, so not sure how much I trust what is said....

never-in-doubt

k4j wrote: »

Thank you for the quick reply
Well...my house isn't worth much anyway! lol the last time i checked I was told it was worth less then the mortgage.
The overdraft is with hsbc. So should I send the same letter to them aswell?

Yes - send the same letter. They may well fob you off but they shouldn't. You can always SAR them anyway, but knowing HSBC they will have sent the overdraft agreements - its usually a few pages long (at least 2) and comes just after the overdraft was agreed.

never-in-doubt

fermi wrote: »

Nope. A bit in the dark on this really.

There is this......

http://twitter.com/Credit_Issues

But again, the source is obviously biased, so not sure how much I trust what is said....

Thanks for that - I just seen a similar link: http://www.free-press-release.com/news-credit-issues-crushes-11-000-credit-card-balance-1259674813.html

Its annoying, even looking at the courts themselves doesn't show much. Try googling: Manchester Mercantile Court (where the test cases are being held)

fermi

never-in-doubt wrote: »

Its annoying, even looking at the courts themselves doesn't show much. Try googling: Manchester Mercantile Court (where the test cases are being held)

I already have. The "court lists" don't tell you anything either.

impetus

Right have had three responses to my CCA requests. HBOS can't find anything but are still looking! :rotfl:

One is after April 2007 so does not fall into the bracket.

The other CCA is for a CC from 2001 and is a signed application form, it's a good copy but there is no mention of interest rates or payments.

There is attached to the photocopied application 4 pages claiming to be an agreement with references to payments and interest charged. Looks like a generic computer generated agreement with my name and address typed in which looks like the current terms and conditions.

Is the signed application form a valid agreement?

bankkiller

hey guys,
I need some advice
One of my relatives has told me they are paying several DCA's small monthly payments for some debts which they got done through the Citizens Adice Bureau.
They have said all were before April 2007.

I have told them to try and send the CCA request to the DCA, but they are scared of doing so as they are worried their credit rating might be damaged and they might be defaulted or something.

Is it worth them having a go and sending the CCA?
Thanks