Unenforceability & Template Letters II

never-in-doubt

fermi wrote: »

Anyone who feels like reporting the scamming Rankine pair to the OFT, click

---

> HERE.

Why the sudden charge on those scammers - what have they done now?

Are you feeling like a change too mate - new avatars all round eh? I have a database full of them (sadly enough).... :eek:

finshe

Hi never-in-doubt,

I have managed to get the so called true copy of the original executed agreement online.

Would you mind having a look and advise whether i should now be refusing to pay on the grounds that the agreement is unenforceable due to the lack of any prescribed terms within the 4 corners of the signed document.

Also which of your template letters do i send?.

pages 1 & 2 are the front & back of the letter
page 3 is the application form, it is blank on the back
pages 4 & 5 are the front & back of the first page of terms
pages 6 & 7 are the front & back of the second page of terms
pages 8 & 9 are the front & back of the third page of terms
http://debtpdfs.tripod.com/cap1.pdf

I will post the above in my thread Capital One CCA Request also if you want to reply there, thanks in advance.

never-in-doubt

finshe wrote: »

I will post the above in my thread Capital One CCA Request also if you want to reply there, thanks in advance.

finshe wrote: »

Hi never-in-doubt,

I have managed to get the so called true copy of the original executed agreement online.

Would you mind having a look and advise whether i should now be refusing to pay on the grounds that the agreement is unenforceable due to the lack of any prescribed terms within the 4 corners of the signed document.

Also which of your template letters do i send?.

I think it is unenforceable however Crappy1 will not do anything mate, i'm having a long fight with them here: How to get back on the credit ladder (read last few pages)...... I've been fighting them for 6 months for marcellep but still they just blanked my 'obviously technical' questions - so we've now gone to FOS/ICO for resolution.....

I'd hold fire just now and ignore them for a month, at least til we get judgement of the 12 test cases. However the letter you should reply with is this: 3. CCA Query so its up to you if you wait or send the letter..... i'd wait, but that's cos I know how they work

Numpty_Monkey

Hi Nidy kins:p
Just realised today is 30 days since I sent the original CCA request, :eek:
I've sent the 12+2 letter, is it worth sending the 30 day one
or just wait till the judgement

Hope your not to cold:p

never-in-doubt

Numpty_Monkey wrote: »

Hi Nidy kins:p
Just realised today is 30 days since I sent the original CCA request, :eek:
I've sent the 12+2 letter, is it worth sending the 30 day one
or just wait till the judgement

Hope your not to cold:p

Hiya

Yes send the 30 day reminder - it won't matter too muchly: 4. CCA Dispute

Cold, i'm freezing me timbers off mate! :eek: :eek: (in York right now -10)

Numpty_Monkey

Cheers mate:beer:
was hoping youd save me the cost of postage;):rotfl:
Mind you Martian have halved the cost themselves, last letter they sent it had both accounts on the same letter (cheapskates)
they'll get 2 letters in same envelope:D

I don't think it's much warmer in Leeds

never-in-doubt

Numpty_Monkey wrote: »

Cheers mate:beer:
was hoping youd save me the cost of postage;):rotfl:
Mind you Martian have halved the cost themselves, last letter they sent it had both accounts on the same letter (cheapskates)
they'll get 2 letters in same envelope:D

I don't think it's much warmer in Leeds

LOL, you don't have to post it mate - wait til after test cases if you prefer?

How do you get that frozen numpty avatar? I like it lol

Numpty_Monkey

My Avi and monkey pics comes from a site someone sent me:A
the avis ned a bit of work:rolleyes: to get them to fit
Send me the original link to yours I'll see if I can get it dancing properly:rolleyes:

Got to go to PO tomorrow so might aswell;):cool:

never-in-doubt

Numpty_Monkey wrote: »

My Avi and monkey pics comes from a site someone sent me:A
the avis ned a bit of work:rolleyes: to get them to fit
Send me the original link to yours I'll see if I can get it dancing properly:rolleyes:

Got to go to PO tomorrow so might aswell;):cool:

I had real troubles with my choice of avi's - could only get them at 100x100 and they have to be 80x80 so I managed to get the breakdancing one resized to 80x80 but it doesn't dance properly does it? The original link is the uploaded avi mate

knight_La_Mancha

Hi never-in-doubt,


You mentioned many times—[as long as prior to April 07 you're fine to apply for CCA....]
Does that mean if a credit agreement made after April 07, there is no chance of wining over Unenforceability?
I have a loan account with Barclays Bank that was borrowed after April 07. I applied on line but I asked them to send the agreement over and I did sign it and return to them. The outstanding balance is now around £9000.
I CCA’d them in Sept. 09. What they sent me basically is a print out titled Barclayloan Agreement – Bank copy(s) to be signed and returned. There is no signature of mine in the borrower’s box. As for the bank side, there is no signature either but with a printed Manager’s name and date.
Could you kindly give me some advice on Unenforceability?



Thanks.
[FONT=&quot]knight La Mancha[/FONT]