Unenforceability & Template Letters III

pebbles88

:doh:ok

never-in-doubt wrote: »

The smiley was cos I didn't think I should smile/laugh at your post.... its an annoying confused smiley......

You'll be fine...... :D:D

CHANGEyourMP

Here he is!:p

blueforyou

mojoparrot wrote: »

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.

MoorC**P are funny arn't they? Do they really think that we'd fall for a request like that. Moorc**p, when you read this - as I assume you have to to learn about the law - please note we are laughing at you..If you were in front of me though, laughing would be the last thing on my mind......and yours, muppets.

10past6

pebbles88 wrote: »

i feel sick to my stomach now :-(

This is a game some creditors play in an attempt to stress you out, and hopefully grind you down into submission, try not to rise to the challenge, you have them against the wall due to their non compliance with your legal request, it’s not for you to answer to them, it’s for them to answer to any adjudication authority why they’ve failed to comply with your legal request :eek: :rotfl:

It wouldn’t do you any harm now to rattle a few feathers by making a complaint to the adjudication authorities

pebbles88

10past6 wrote: »

This is a game some creditors play in an attempt to stress you out, and hopefully grind you down into submission, try not to rise to the challenge, you have them against the wall due to their non compliance with your legal request, it’s not for you to answer to them, it’s for them to answer to any adjudication authority why they’ve failed to comply with your legal request :eek: :rotfl:

It wouldn’t do you any harm now to rattle a few feathers by making a complaint to the adjudication authorities

Hiya,

thank you so much for getting back to me.

well i have compiled a HUGE complaint letter to the official compliant dept for tesco.... and am just finishing up a FOS one.

Sending incasso the prove it letter.

regarding them wanting proof of id for cca req, should i send it? considering they have specifically asked for driving licence or passport, something with signature on, makes me more convinced they perhaps (hopefully) dont have the paperwork? I have copied our licences ready... but put big crosses digitally through the signature part, enough to read it, but too much to copy if you catch my drift!

i know niddy mentioned as the agreemnt was post 04/2007 that cca law cant be used, that it may have to be cpr something... or words to those effects......

***goes off ready to ruffle more feathers****

ps... by adjudication authorities, i presume you mean the fos?

carol01

never-in-doubt wrote: »

Hiya,

You need to send the following letter to Argos - with a copy of the second letter (further down) which also needs to be sent to Moorcroft.

So you print two copies of each and one of each goes to Argos & Moorcroft.....

At this stage you're threatening not to pay unless they sort it out - but remember you deal with the original creditor only - i.e. Argos.

Good Luck

Argos Letter.....





Now, you need to send the following letter (below) to Moorcroft, with a copy of the above letter as well.....

Moorcroft Letter.....

hiya n.i.d and everyone
had a letter back from moorcroft saying they are putting the account on hold until advised otherwise and will not seek to enforce payment.
also the letters says quote: in the meantime,however, we believe that it may be of assistance to all parties if we take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. to this end can you provide an indication of the information you will be relying upon, when giving evidence to the court or imformation to the relevant statutory authorities in relation to the alleged subject matter of this account.
please could you provide this information by return as this will ensure that all possible areas of dispute are identified as quickly as possible thereby minimizing potential costs and delays. (i thought the letter you wrote covered my dispute?) anyway i got home from work to a phone call from moorcroft offering me a reduced rate they would knock the debt down to £1700.00 if i took the offer there and then i told him it was not the case of how much they would knock off but how under handed argos have been he put me in hold and i put the phone down the letter today did state they would not persue me so why are they phoning and what should i say if they phone back thanks again in advance i feel like a big can of worms has been opened not sure what to do

10past6

pebbles88 wrote: »

regarding them wanting proof of id for cca req, should i send it?

Noooooooooooo, they hold a credit licence meaning they "should" be aware of consumer legislation.

pebbles88 wrote: »

ps... by adjudication authorities, i presume you mean the fos?

TS / OFT / FOS

pebbles88

10past6 wrote: »

Noooooooooooo, they hold a credit licence meaning they "should" be aware of consumer legislation.

TS / OFT / FOS

oohh triple whammy!! i like it!!

handyman123_2

Hi, Pebbles88, I've just jumped in on the last post Iappologise in advance if I'm stepping on toes, Have you checked with niddy about sending proof of ID. I've got similar problems in getting a cca which to dca wont send untill i've proved I'm the person that there after. Following niddy's advice I've not sent anything the results are intersesting to say the least, check first better safe than sorry.

If I've got the wrong end of the stick and stuck my nose in I'm sorry.
Best wishes to all handyman123.

never-in-doubt

handyman123 wrote: »

Hi, Pebbles88, I've just jumped in on the last post Iappologise in advance if I'm stepping on toes, Have you checked with niddy about sending proof of ID. I've got similar problems in getting a cca which to dca wont send untill i've proved I'm the person that there after. Following niddy's advice I've not sent anything the results are intersesting to say the least, check first better safe than sorry.

If I've got the wrong end of the stick and stuck my nose in I'm sorry.
Best wishes to all handyman123.

Hiya

The agreement that Pebbles refers to is a Post April 07 account meaning they can obtain judgement without resorting to s.127 (repealed).... However they must still comply with a lawful request and provide documents as requested, no ID should be sent as it is not necessary - period.

Its not sticking your nose in, we're all here to help each other, feel free & thanks for inputting