Unenforceability & Template Letters III

never-in-doubt

nemoo wrote: »

just thought it might help.... the companies house webcheck lists the following history for NCO Europe

Previous Names:
Date of change - Previous Name
15/11/1995 - EXPERIENCE LIMITED
03/01/2006 - RISK MANAGEMENT ALTERNATIVES INTERNATIONAL LIMITED
28/02/2000 - UNITED CREDITORS' ALLIANCE INTERNATIONAL LIMITED
02/07/1996 - UNITED CREDITORS' ALLIANCE EUROPE LIMITED

Cheers mate - in essence NCO & RMA is one and the same. :T

monlou

Thanks for the reply

You advised me to skip step 2 and go straight to step 4
shall i still send the step 2 letter?

never-in-doubt wrote: »

You should send the CCA Reminder to Freemans and the address for Barclays is below.

Barclaycard
Customer Relations Department
PO BOX 9131
51 Saffron Road
Leicester
LE18 9DE

nemoo

never-in-doubt wrote: »

Cheers mate - in essence NCO & RMA is one and the same. :T

quite welcome dude..... a small help in the grand scheme of things :A

BrightonSun

Hi N.I.D

Hope you had a good weekend..

I've had a reply from barclaycard which is word for word exactly the same as Post 879

http://forums.moneysavingexpert.com/showthread.html?p=31018333&highlight=barclaycard+legal#post31018333

LOL I can see it going down the same route!! So am I right in thinking I now send this from post 886

http://forums.moneysavingexpert.com/showthread.html?t=2305463&highlight=barclaycard+legal&page=45

Thank you!

libbyjade

Hi mate again, (sorry I know it's your first day back after a long weekend),

Re my MBNA account. It's been with DCRI (Debt Clear Recoveries & Investigations Ltd) for around 10 months. I sent the CCA request, follow up request and final response to them at the address immediately below.

DCRI
PO Box 595
Manchester
M60 5AR

However, their registered office is

Trinity House
16 John Dalton St
Manchester
M60 8HS

All my letters have been signed for, hence me continuing to send them to the same address, however I have never had anything sent to me in recognition of my request. Not a fabricated agreement, no application form pretending to be CCA, nada.

They do still send me monthly letters offering me lovely DMP's and early settlements, but frankly I don't wish to pay them a penny. Hence my original request for my CCA.

Do I need to do anything mate??? :think:

never-in-doubt

monlou wrote: »

Thanks for the reply

You advised me to skip step 2 and go straight to step 4
shall i still send the step 2 letter?

Sorry I do tell some to send the reminder and others not to - its so the same letters don't keep appearing as well as other things. If I previously said not to, and its now been a month then send the CCA Dispute letter (step 4) yes.

Sorry for the confusion.

never-in-doubt

BrightonSun wrote: »

Hi N.I.D

Hope you had a good weekend..

I've had a reply from barclaycard which is word for word exactly the same as Post 879

http://forums.moneysavingexpert.com/showthread.html?p=31018333&highlight=barclaycard+legal#post31018333

LOL I can see it going down the same route!! So am I right in thinking I now send this from post 886

http://forums.moneysavingexpert.com/showthread.html?t=2305463&highlight=barclaycard+legal&page=45

Thank you!

Hiya

You got it - just copy the same letter - remember its copyright theft of Niddy's artwork though! :rotfl: :rotfl: :rotfl:

Gold coins have to cross hands lol :beer:

never-in-doubt

libbyjade wrote: »

Do I need to do anything mate??? :think:

Hi matey fire this and send a copy to both addresses - :rotfl: :rotfl:

Dear Sirs,

Account No: XXXXXXXX

I refer to previous correspondence regarding the above numbered account, and your lack of diligence in dealing with my formal requests.

This is now my last warning to you, I have sent you several letters to date - telling you this alleged account is unenforceable until you can provide me an original photocopy of the alleged signed agreement. To date you have failed to comply with my statutory request and have defaulted in respect of this account. Additionally this alleged agreement is unenforceable until such time as you come out of default or enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as your default is revoked.

Consequently no offers of repayment will be forthcoming until such time as this matter is resolved. It is also my intention to report this matter to the appropriate enforcement authorities.

I await your prompt response.

Yours faithfully



Sign digitally

monlou

Thanks for reply

I already sent step4 and it will be a month on Wednesday so just wondering what was the next plan of action

never-in-doubt wrote: »

Sorry I do tell some to send the reminder and others not to - its so the same letters don't keep appearing as well as other things. If I previously said not to, and its now been a month then send the CCA Dispute letter (step 4) yes.

Sorry for the confusion.

never-in-doubt

monlou wrote: »

Thanks for reply

I already sent step4 and it will be a month on Wednesday so just wondering what was the next plan of action

Final Response - No CCA Received letter from page 1........