Unenforceability & Template Letters II

captainhaggis

terimon wrote: »

NID convinced me to stop paying. I am still a bit worried but following his advice. Its been brilliant so far

Although he gives most of his advice drunk, it's nevertheless still advice well worth following!

- but you're only human if you're worried still about these things. I know I am, despite NID's expert guidance.

never-in-doubt

captainhaggis wrote: »

Although he gives most of his advice drunk, it's nevertheless still advice well worth following!

- but you're only human if you're worried still about these things. I know I am, despite NID's expert guidance.

Haha - its not advice mate it's the law! The law states that unless they provide a valid agreement then you do not need to pay. This is clear in s.77-s.78 CCA1974.....

But you're right, it is worth following my advice - so long as you don't back down at the slightest hurdle - bottom line is your credit is already trashed so the worse that can happen is they default you. Other than that, nothing they can do. I can't stress that point enough.

As for worrying, mate - come on! Why worry, what will it achieve? Let them do whatever they want and if it ends up in court - GREAT! A free outing to fight your case (i'll even come and do it for you lol - please, let me!); you have the letters you sent, proof they were delivered and the lenders responses.....

This is all you need to convince a judge that you're only following basic consumer laws and are constantly met by lenders unwilling to help. So the only way you could get them to listen was by refusing payment.

Perfectly legal mate

captainhaggis

never-in-doubt wrote: »

Haha - its not advice mate it's the law! The law states that unless they provide a valid agreement then you do not need to pay. This is clear in s.77-s.78 CCA1974.....

But you're right, it is worth following my advice - so long as you don't back down at the slightest hurdle - bottom line is your credit is already trashed so the worse that can happen is they default you. Other than that, nothing they can do. I can't stress that point enough.

As for worrying, mate - come on! Why worry, what will it achieve? Let them do whatever they want and if it ends up in court - GREAT! A free outing to fight your case (i'll even come and do it for you lol - please, let me!); you have the letters you sent, proof they were delivered and the lenders responses.....

This is all you need to convince a judge that you're only following basic consumer laws and are constantly met by lenders unwilling to help. So the only way you could get them to listen was by refusing payment.

Perfectly legal mate

Thank god you know more about this stuff than about telecom masts in Yorkshire

never-in-doubt

captainhaggis wrote: »

Thank god you know more about this stuff than about telecom masts in Yorkshire

Hudds mate? Hardly what i'd call local to me (i'm in Leeds)..... :eek: :eek: :eek:

Like me saying you're close to Ibrox (Glasgow) :rotfl: :rotfl: :rotfl:

Anyway, I had a PM from you and now its gone - just like magic (beggar knows!)

captainhaggis

never-in-doubt wrote: »

Hudds mate? Hardly what i'd call local to me (i'm in Leeds)..... :eek: :eek: :eek:

Like me saying you're close to Ibrox (Glasgow) :rotfl: :rotfl: :rotfl:

Anyway, I had a PM from you and now its gone - just like magic (beggar knows!)

Ain't sent you a PM tonight mate?

never-in-doubt

captainhaggis wrote: »

Ain't sent you a PM tonight mate?

last night mate! lol - well, ok earlier today even! (like 2am) :beer:

I just found it and replied - weird !!!!!! mate - well weird!

terimon

never-in-doubt wrote: »

Haha - its not advice mate it's the law! The law states that unless they provide a valid agreement then you do not need to pay. This is clear in s.77-s.78 CCA1974.....

But you're right, it is worth following my advice - so long as you don't back down at the slightest hurdle - bottom line is your credit is already trashed so the worse that can happen is they default you. Other than that, nothing they can do. I can't stress that point enough.

As for worrying, mate - come on! Why worry, what will it achieve? Let them do whatever they want and if it ends up in court - GREAT! A free outing to fight your case (i'll even come and do it for you lol - please, let me!); you have the letters you sent, proof they were delivered and the lenders responses.....

This is all you need to convince a judge that you're only following basic consumer laws and are constantly met by lenders unwilling to help. So the only way you could get them to listen was by refusing payment.

Perfectly legal mate

Your in if it ever goes to court

When we win it will be countless Stellas on me :T

never-in-doubt

terimon wrote: »

Your in if it ever goes to court

When we win it will be countless Stellas on me :T

Mate, can you really imagine the lenders wanting me in court? If they knew who I was in relation to this forum then they'd wimp right out! Kinda like Fermi, he's !!!!!! hot on this as well, and if it ever went to court i'd love to let us pair spend a day fighting them - in fact we should have attended the 12 test cases and argued the consumer case against the lenders :rotfl: :rotfl:

Did I tell you that one bank reads this forum, they also know who I am lol (only found out recently).....

Ever unsure of an act or process, Fermi is your man - he's like a walking legal guardian and helped me with a few sticky legalities in the past and hopefully, the future as well :D

terimon

never-in-doubt wrote: »

Mate, can you really imagine the lenders wanting me in court? If they knew who I was in relation to this forum then they'd wimp right out! Kinda like Fermi, he's !!!!!! hot on this as well, and if it ever went to court i'd love to let us pair spend a day fighting them - in fact we should have attended the 12 test cases and argued the consumer case against the lenders :rotfl: :rotfl:

Did I tell you that one bank reads this forum, they also know who I am lol (only found out recently).....

Ever unsure of an act or process, Fermi is your man - he's like a walking legal guardian and helped me with a few sticky legalities in the past and hopefully, the future as well :D

I love this forum :j

I bet the banks dont though

never-in-doubt

terimon wrote: »

I bet the banks dont though

Want proof of that question mate? Read it and weep (or laugh lol)

Debt collectors are planning ways to hit back against online consumer forums allowing people to share advice about dealing with debt problems and taking on financial institutions.

http://www.guardian.co.uk/money/2009/dec/02/credit-services-association-debt-websites