Unenforceability & Template Letters III

10past6

burton_trade_kitchens wrote: »

I have pm'd 10past6 so I will await his reply

burton_trade_kitchens wrote:

This morning I recieved a reply from them saying that they do not consider my account to be in dispute and that they dissagree with my complaint

That's their decision, which they're entitled to, however, you have a different opinion, and if they chose adjudication to clarify it, then so be it.

burton_trade_kitchens wrote:

They then state that if my payments are not brought upto date within 7 days then they are going to issue me with a CCJ

Since when have these muppetts appointed themselves as Judge & Jury, it's for the court's to decide whether a CCJ is to be granted, that's what a CCJ means "County Court Judgement"

burton_trade_kitchens wrote:

Within the letter they also included a Default notice for the account

We need to see the DN to confirm it complies with legislation.

burton_trade_kitchens wrote:

Would you be kind enough to give me some advise on what you think I should do from here??

Nothing, the onus is and always has been on the claimant to prove their claim, no matter how anxious and intimidating their letters maybe, ignore them, the balls with them, don't chase them, you've informed them of your position, wait until they make the next move, oh, do bare in mind, their letter's are worded to intimidate you.

never-in-doubt

10past6 wrote: »

That's their decision, which they're entitled to, however, you have a different opinion, and if they chose adjudication to clarify it, then so be it.

oh, do bare in mind, their letter's are worded to intimidate you.

Morning mate - thanks for posting back, I thought you'd be the best to sort this little problem out!

Can you confirm that he should continue with cessation of payments, as i'd previously suggested (as they are in default of s.78)..? Link here: #1122

Cheers - hows it going BTW..? :beer:

10past6

Hi dude! :rotfl:

I'm good thx, did you have a good weekend away? >>

never-in-doubt wrote: »

Can you confirm that he should continue with cessation of payments, as i'd previously suggested (as they are in default of s.78)..?

Absolutely, the accounts in default, if not, how come they've sent him a DN letter they can't have it both ways

never-in-doubt wrote: »

hows it going BTW..? :beer:

Just FYI, I'm away for the weekend from Friday am until Monday PM

10past6

Have to dash, bbl

smifff_2

Hi NIBS, long time no sepak, hope you are well.
Just got a letter from Mercers, standard letter I assume.
It goes like this
(48hr NOTICE
Despite all our previous communications, you have ignored our demands for payment for your long overdue account.
we will now pass your account to a debt collections firm in your area and alocal rep may call at your address to obtain payment of your debt.)

Theyve sent threats before which I responded with your don't you dare letter which as you know they ignore.

What shall I do about this one, Ignore them. I'm sure you remember I live in France.
Thanks

coffeedog

never-in-doubt wrote: »

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.

That's excellent, thanks so much. So, i'll just leave the first loan alone now and get that letter off re second loan asap. Thanks so much for your help. This new thread is very clear by the way, it's a work of art! :T

never-in-doubt

smifff wrote: »

What shall I do about this one, Ignore them. I'm sure you remember I live in France. Thanks

Haha - oh yes, I remebered that you're out the UK - personally, i'd ignore them and if they want to send a DCA to you - good - lets see how much that costs them :rotfl: :rotfl: :rotfl:

never-in-doubt

10past6 wrote: »

Hi dude! :rotfl:

I'm good thx, did you have a good weekend away? >>

Absolutely, the accounts in default, if not, how come they've sent him a DN letter they can't have it both ways Just FYI, I'm away for the weekend from Friday am until Monday PM

Hiya matey

Thanks for confirming - I thought you'd agree but best to check....

Hmmmm, long weekend? Well have a great time away won't you - whatever you may be getting upto mate :whistle::whistle:

Numpty_Monkey

Just to say glad you had a good weekend with your fellow sporan swingers:rotfl:


I still ain't sent this #1049
I'll wait till I come back from my trip down south
to send the reply:T
they couldn't be arrised rushing, so why should I:D

and I do need time to retink and to re-phrase my offer to the Loan:o

I'm not sure

You are getting £xx for now,you evil, soul destroying leeching ba****ds
like it or lump it.
If you don't accept that, tough titty,
if you want more, you can go and f*** off

It is work in progress:D
ot sure of the grammer:cool:

:rotfl::rotfl:

in_to_deep

hi nid
got reply from barclaycard same letter as post 879 after sending your letter 4 cca dispute can i send your reply post 886. if that ok with you? copy right an all that.:rotfl: