Unenforceability & Template Letters III

RobertO_2

never-in-doubt wrote: »

Hiya

Both MBNA 1 & MBNA 2 are unenforceable... Nice one :T :T

Send this, to both (so you need two copies): CCA QUERY

Thanks Niddy, You're awesome :T

natters_2

It amazes me how many dca employees either don't know the law themselves, or play dumb when you quote facts. I still have apex on my back even though an in dispute letter has been sent, they feel that although the dispute is with another dca they are the ones I need to deal with - the last one that phoned said "so how can we resolve this" my response was either send it back to the OC or provide the CCA - she then says " so what happens if we cannot provide it" I replied "Then I guess you are up s@£$ creek with out a paddle arent you"

Still, out of god knows how many I am now down to 2 companies that won't accept they are beaten. It helps that I have all the paperwork next to the phone to quote dates, recorded del numbers, who what when & why, etc.

Thanks for all your help niddy - without your threads it would not have been so easy!

jammin_2

natters wrote: »

I replied "Then I guess you are up s@£$ creek with out a paddle arent you"

What did she say to that?!

never-in-doubt

natters wrote: »

It amazes me how many dca employees either don't know the law themselves, or play dumb when you quote facts. I still have apex on my back even though an in dispute letter has been sent, they feel that although the dispute is with another dca they are the ones I need to deal with - the last one that phoned said "so how can we resolve this" my response was either send it back to the OC or provide the CCA - she then says " so what happens if we cannot provide it" I replied "Then I guess you are up s@£$ creek with out a paddle arent you"

Still, out of god knows how many I am now down to 2 companies that won't accept they are beaten. It helps that I have all the paperwork next to the phone to quote dates, recorded del numbers, who what when & why, etc.

Thanks for all your help niddy - without your threads it would not have been so easy!

Have you ever seen a copy of your agreement yet? This is not acceptable, you need closure.... we should spend some time and sort this one way or another, you think?

never-in-doubt

jammin wrote: »

What did she say to that?!

She said "I'm a DCA and so used to spending all day swimming around in !!!!!!"...... she then went on to say "it is usual practice for us to talk !!!!!! so we now just live in it all day cos everything about is is !!!!!!, we speak !!!!!! and my job is !!!!!!"...

See, simples

natters_2

jammin wrote: »

What did she say to that?!

No idea as i put the phone down on her!
I like to wind them up - my OH says he can't understand why I take the time to sit on the phone for ages arguing or debating the law.

I feel it is my duty to keep them on the line as it costs them money, and while they are trying to bully me, someone else that doesn't think it's a game is being left alone :rotfl:

Niddy I sent an initial cca request to Newman - they replied we don't do CCA's, you must request it from OC, they returned the postal order and that was the last I heard from them (however they did get a default letter from me)

Apex have now taken it over despite me repeatedly telling them they have no right to be ringing or writing to me, they still ring nearly every day - if I've got the time, I play, if not I refuse to answer the security questions - this really winds them up as I generally get a why are you refusing to give your details, you did yesterday, this gets a well if I gave them to you yesterday, why do you need them again lol

The other company are doing the "we may do this" or "may do that"
Unfortunatley I've just discovered the original dispute letter was never delivered, so have just sent another - hopefully royal mail will get this one there!

While I think about it - for those of you that always send recorded delivery, it is not sent seperately to all the other mail - it gets chucked in the mailbags with everything else - the only mail to have special handling is the special delivery - they have to be counted and checked out of the PO.

mojoparrot

Is it really possible that some credit agreements are unenforceable? My sister works for the local authority in the legal department and one of the soliicitors told her that after the last ruling about the signature there is no way contracts can be unenforceable.

carol01

natters wrote: »

No idea as i put the phone down on her!
I like to wind them up - my OH says he can't understand why I take the time to sit on the phone for ages arguing or debating the law.

I feel it is my duty to keep them on the line as it costs them money, and while they are trying to bully me, someone else that doesn't think it's a game is being left alone :rotfl:

Niddy I sent an initial cca request to Newman - they replied we don't do CCA's, you must request it from OC, they returned the postal order and that was the last I heard from them (however they did get a default letter from me)

Apex have now taken it over despite me repeatedly telling them they have no right to be ringing or writing to me, they still ring nearly every day - if I've got the time, I play, if not I refuse to answer the security questions - this really winds them up as I generally get a why are you refusing to give your details, you did yesterday, this gets a well if I gave them to you yesterday, why do you need them again lol

The other company are doing the "we may do this" or "may do that"
Unfortunatley I've just discovered the original dispute letter was never delivered, so have just sent another - hopefully royal mail will get this one there!

While I think about it - for those of you that always send recorded delivery, it is not sent seperately to all the other mail - it gets chucked in the mailbags with everything else - the only mail to have special handling is the special delivery - they have to be counted and checked out of the PO.

hi everyone
i am in the same boat after n.i.d taking his time to write one of his special letters (thankyou again) it has gone awol with another recorded letter still showing in the net works but i suppose this will help my case when its comes to arguing the case of not recieving a default notice for half a months arrears on my argos account (£25.00)

never-in-doubt

mojoparrot wrote: »

Is it really possible that some credit agreements are unenforceable? My sister works for the local authority in the legal department and one of the soliicitors told her that after the last ruling about the signature there is no way contracts can be unenforceable.

LOL, your sister needs to come here and i'll teach her the law.... the guy in the LA legal dept doesn't have a clue, but then most lawyers that work for the LA don't have much of a clue anyways (I am ex LA by the way and know this for a fact!)....

But seriously, don;t listen to them - read this thread and you'll see to date there are several unenforceable accounts - the most recent by libbyjade two days ago!

Please take your argument into a new thread if you wish to dispute things, don't do it here. This will confuse people and the information you're being given is so far from the truth it is as bad as some DCA's claim....

jammin_2

mojoparrot wrote: »

there is no way contracts can be unenforceable.

That's rather a bold statement.