Unenforceability & Template Letters III

never-in-doubt

Wicca303 wrote: »

Hi NID,

Just wanted to check you'd got both of my emails.

I put my username in the subject line, but I've been having email issues lately, so wanted to check you'd got them.

Thanks.

Ermmm, doesn't look good i'm afraid :o:o

Will confirm shortly but it's not looking good right now. :eek:

never-in-doubt

Wicca303 wrote: »

As long as you got them, that's what I was worried about....

No rush if you've got lots to do. :cool:

Thanks.

Hiya

Really sorry but both Style & Abbey are both enforceable... :mad::mad:

yoda1177

Niddy,

Thanks for the reply earlier, I'm going to chance it, so do I send template 3.1 (request original) or template 3.3 (request signature) Please advise

Thanks

coffeedog

Hi NID,

I don't know if you remember me but I have been waiting to change bank accounts from natwest to another bank. I have 2 loans with natwest.

I sent cca requests in mid -nov on both. One of them got a reply saying they have 'misfiled ' my loan agreement and if I do not pay they'll report to cra's. That's fine by me.

On the other I did not receive a reply at all and sent cca reminder letter at end on december. Still heard nothing at all.

I have been paying the loans, as i had problems switching banks ( thanks, alliance and leicester!) and didn't want it to be taken from my wages. Effectively, things were put on hold re the enforceability process. Now going to stop paying in April :0

Anyway, i've now switched banksAs such a long time as passed , should i still send the CCA dispute letter or skip straight to debtors's final response?

Sorry if i'm being dumb but just want to check it out .

burton_trade_kitchens

Hi NID,
Thanks for your quick reply to my post.
I have pm'd 10past6 so I will await his reply and let you know what he thinks.
Wanna say a massive THANKYOU !! for all your help. :T

never-in-doubt

yoda1177 wrote: »

Niddy,

Thanks for the reply earlier, I'm going to chance it, so do I send template 3.1 (request original) or template 3.3 (request signature) Please advise

Thanks

Send this mate CCA Query - Copy Document Supplied

Good Luck

never-in-doubt

coffeedog wrote: »

Hi NID,

I don't know if you remember me but I have been waiting to change bank accounts from natwest to another bank. I have 2 loans with natwest.

I sent cca requests in mid -nov on both. One of them got a reply saying they have 'misfiled ' my loan agreement and if I do not pay they'll report to cra's. That's fine by me.

On the other I did not receive a reply at all and sent cca reminder letter at end on december. Still heard nothing at all.

I have been paying the loans, as i had problems switching banks ( thanks, alliance and leicester!) and didn't want it to be taken from my wages. Effectively, things were put on hold re the enforceability process. Now going to stop paying in April :0

Anyway, i've now switched banksAs such a long time as passed , should i still send the CCA dispute letter or skip straight to debtors's final response?

Sorry if i'm being dumb but just want to check it out .

Hiya

Of course I remember - the 1st loan is brilliant news - no agreement means no repayment means unenforceable.... Excellent :T

Regards to the 2nd loan, send this: Debtors Final Response - No CCA Received

See what transpires but you must cease repayments on both as right now they are both unenforceable - as you know, you will get defaulted but that is ALL they can do... hehe

Let me know if you get any other problems but really, you should be ok now.

Wicca303

never-in-doubt wrote: »

Hiya

Really sorry but both Style & Abbey are both enforceable... :mad::mad:

Hi,

thought the Abbey one was. Will have to restart payments, although may take my time doing it.


Style I wasn't sure about because it said card application on it, and I thought it had to be an actual contract not application.

But this is why I checked with you.

At least the other 3 are unenforceable.........or at least 2 are unenforceable and the other have said they're giving up until they can find the CCA.

Thanks for your help,

:A

yoda1177

never-in-doubt wrote: »

Send this mate CCA Query - Copy Document Supplied

Good Luck

Thanks Nid

never-in-doubt

Wicca303 wrote: »

Style I wasn't sure about because it said card application on it, and I thought it had to be an actual contract not application. :A

Sorry maybe I missed that (the text at the top was hard to read) - can you confirm does it say on the form at the top in large bold writing anything along the lines of:

"Credit Agreement Regulated by the Consumer Credit Act 1974"

If so then it will be enforceable, if not then scrap my last advice and send CCA Query

(sorry I never even thought to look for that!)