Unenforceability & Template Letters II

terimon

Yes NID it would be my absolute pleasure for you to sort me out a letter to send:D

terimon

To be honest i had a perfect credit rating i suppose thats why they kept putting my limits up. Was paying minimum on NatWest(approx £270 a month) and Virgin(approx £200) as they were at there limits but those amounts pretty much covered the interest only.

Suddenly situation changed, no money, no job,bank account overdraft at its limit (£2250). I spoke to both cards and banks and asked for some help while i searched for a job but they were all most unhelpful.

I found this site and thought i would try my luck with the CCAs.

Thanks once again

never-in-doubt

terimon wrote: »

To be honest i had a perfect credit rating i suppose thats why they kept putting my limits up. Was paying minimum on NatWest(approx £270 a month) and Virgin(approx £200) as they were at there limits but those amounts pretty much covered the interest only.

Suddenly situation changed, no money, no job,bank account overdraft at its limit (£2250). I spoke to both cards and banks and asked for some help while i searched for a job but they were all most unhelpful.

I found this site and thought i would try my luck with the CCAs.

Thanks once again

So you're happy to accept the fact you will probably get a default (if they sort themselves out)... but i'll stop the current one for the time being. Leave it with me and i'll sort this before Monday for you and PM you ok?

What date did you originally request CCA and what date did you send the follow up letter? Also what date is on each of the replies mentioned above from the bank (i.e. the 3 letters)

Then sit tight and i'll post here probably sunday night mate... if not sooner

never-in-doubt

terimon wrote: »

Yes NID it would be my absolute pleasure for you to sort me out a letter to send:D

Just remember to hit the blo'ody thanks button (so I know you've read the reply) and don't drink all the stella either you pish head lol :D

terimon

Thanks NID

terimon

This is where i get a telling off!

Ill sort all my paperwork out and you will have all dates on your desk in the morning.

Sorry boss!

Time for a Stella

never-in-doubt

Thanks - save me at least one pint you gannet!

I'll be in touch soon - cheers for sorting dates out..... I need them to do the letter for you.

terimon

Stella is good for you

never-in-doubt

terimon wrote: »

Stella is good for you

She was damn fine to me last week mate - I remember that much! Her lips were, ermmm - very moist shall we say ;)

terimon

I sent original letter - September 28th 2009

They replied back wanting signature - October 6th 2009

They returned my postal order saying they misfiled my CCA and cant locate it - October 26th 2009

I tell them acc is defaulted and unenforceable and threaten court - November 3rd 2009

They agree unenforceable so no need for court but they say i still owe and will report default to CRAs - November 10th 2009

They said Account Terminated letter and want all money in 14 days or will go to DCA and i will be defaulted - November 13th 2009