Unenforceability & Template Letters III

10past6

pebbles88 wrote: »

ps they have already had that letter re proof of signature

You've informed them of there "Legal" obligation, as they've failed to comply, the onus is now on "them" don't waste any more time getting into a pointless paper exercise with them.

pebbles88 wrote: »

the ico when i have had to use them in the past have been pretty rubbish, i sent them proof of a bank sending out wrong personal details.... and all they did was acknowledge it.

You should raise a complaint with the ICO, irrespective of whether the ICO has any balls or not, you need your "complaint" recorded in order to support your defence should the muppetts decide on litigation.

You should also inform the ICO (send copies of what the muppetts have issued to you) they've failed to adhere to the DPA by issuing you with someone else's details.

never-in-doubt

10past6 wrote: »

send copies of what the muppetts have issued to you

Hiya matey - welcome back - :wave::wave::wave:

Hope you had a good weekend? Notice you brought your elegance and charm back with you :rotfl::rotfl:

cejsmith

I just had a new company on the phone re the egg cards , Moorcroft I believe was their name. I told them sorry, write to me and I will review the letter, I could still hear the woman going on about something as I put the phone down!!!!

So they have used themselve, DLC, Arc, Trevor Munn ( they where going to take me to court!!) and now Moorcroft. Why do they bother, we know the agreements are unenforceable and so do they???

So has any one had dealings with Moorcroft are they going to be a pain in the bottom

never-in-doubt

cejsmith wrote: »

So has any one had dealings with Moorcroft are they going to be a pain in the bottom

Moorcroft are just as bad mate - just proceed as you are and all will be well :D

libbyjade

Hi Mate,

Seeing as this thread is quite quiet at the moment, I thought I would post something out of curiosity more than anything. It's actually spooky seeing it so quiet :eek:, it's as if the lenders are hoarding the responses for everyone on MSE and are planning on sending them all out en masse to drown you in posts and force you into retirement! :rotfl:

I still haven't had a response from my letter to Capquest sent 15/03/10
#592 I know it's great news not hearing from them, but is it likely they will send anything in response? (unless it is a dreaded enforceable agreement arggh! lol)

I was overjoyed when I got that letter from apex saying the goldfish debt had been written off :T:T:T but am I right in assuming that this type of final response is pretty unique and the exception rather than the norm??

What is the normal ending from lenders if they don't have a true CCA and you've sent a final response? Do they normally not reply and then we wait with baited breath for 6 years?

cheers matey.

maz1964

hello niddy and the gang

need to catch up with all the replies since i last posted

just wanted to let you know niddy i have a couple of responces back that i would need help with please - so will get scanned and email you the letters and then we can respond

so no early retirement yet :rotfl:

between me and the rest of the gang here you are a lonnnnnnnnnnnnng way off yet for that pensioners pass :beer: instead,,,,lol

laters all have fun til later maz

jadex

Hi,
Need some advice re doorstep visits.
I have sent letters to not do it (Threat of Doorstep Visit) from Page1 but it seems to not work as expected. Looks to me as DCAs are blatantly ignore it.
Can they do this? Oh yes, they can as I have no idea who they are.
Just had a visit: 2 guys turned up and (curiosity) they refused to tell me who were they (cheeky, innit, so I can't complain to anyone as I don't have a clue who they represend).
I refused them to answer any questions and they said: fine sir, thank you and bye.

pebbles88

10past6 wrote: »

You've informed them of there "Legal" obligation, as they've failed to comply, the onus is now on "them" don't waste any more time getting into a pointless paper exercise with them.

You should raise a complaint with the ICO, irrespective of whether the ICO has any balls or not, you need your "complaint" recorded in order to support your defence should the muppetts decide on litigation.

You should also inform the ICO (send copies of what the muppetts have issued to you) they've failed to adhere to the DPA by issuing you with someone else's details.

hiya,
i have pm'd you

they have sent it to a separate dca...incasso???? weirdly only in my oh name...not mine, when its a joint loan?

after doing a bit of reading its seems some joint loans have been split to diff dca's but they both want the full amount?

should i write to them and highlight the fact i am still waiting for my cca req?

i feel sick to my stomach now :-(

Greekous

never-in-doubt wrote: »

Yep - they will add a default, no matter what! It is all they can do....

Hi Niddy,

I've had a reponse from one of my creditors and they have sent me my CCA with a new set of conditions can they do that?

I've also checked my CCA and it has the following statement under credit limit: "We will tell you from time to time the approved limit we have set and, if different, the individual Limit which you have chossen for the account." The account is with Egg and does state the APR's for purchase and cash advances, Egg have sent me a photo copy of the original agreemnt.

mojoparrot

Hi NID
I have had a letter from Moorcroft who are chasing an Argos card debt. They have requested the CCA and are compliant with putting the debt on hold but have asked what I think the issues with the CCA are. As I'm not psychic I will have to wait to see the CCA. Should I put this to them in writing (in a more polite fashion) or should I ignore such a stupid request?

Thanks.