Unenforceability & Template Letters III

swanfan02

swanfan02 wrote: »

Hi NID need some advice. Hope i'm posting in right place. CCA'd 4 credit cards. 2 have not replied yet. 1 i have sent reminder CCA to them. The other CCA was sent to Debt Managers who sent it back to Barclaycard. B'card have now passed it on to Robinson Way. Which letter should i send to them, CCA reminder?

Hi NID response from citicard, they have sent a copy agreement, no sigs or dates, current terms & then say "this completes our obligations under CCA1974 & satisfies your request" Next move?

Greekous

Greekous wrote: »

Thanks Nid, letter is on it's way to them.

Hi Nid,

A question about defaults:

My account with egg went into arrears and entered into a DMP with payplan May 2002. At this time Egg waited for 6 month's then issued me with a default notice. 6 years have passed and this is now removed from my credit file. If I go down the Unenforceable route can they issue a new default against me?

Thanks

Goodtimesahead

never-in-doubt wrote: »

Read this: http://forums.moneysavingexpert.com/showthread.html?p=31445851#post31445851

Then the next couple of pages - look for my replies and you'll learn about the new Credit Directive which will do what you desire lol...

NID, Excellent news but I was wondering if you or anyone else has heard from any of the CRA's about what they are planning to do (I assume they are fighting this all the way and will come to the table kicking and screaming)?

I spoke to Equifax & Experian who both said they hadn't any knowledge about this and couldn't comment and said write in for a writtten response!

Will the UK election and parliament being dissolved mean any delays to this being implemented under uk law?

Anyone got any latest links regarding this new EU directive ie. responses from the credit industry generally. This is a big news if data will only be held for 3yrs, instead of 6 years as it should help speed up the UK recovery as older debts/defaults etc drop off credit files.?:cool:

I belive this is the directive but can't see anything about data being stored for 3 years?
http://www.experian.co.uk/www/pages/downloads/compliance/consumer_credit_directive_220508.pdf

never-in-doubt

swanfan02 wrote: »

Hi NID response from citicard, they have sent a copy agreement, no sigs or dates, current terms & then say "this completes our obligations under CCA1974 & satisfies your request" Next move?

Hiya

See page 1 - send this: 3.3 - CCA Query - Copy Document Supplied

never-in-doubt

Greekous wrote: »

Hi Nid,

A question about defaults:

My account with egg went into arrears and entered into a DMP with payplan May 2002. At this time Egg waited for 6 month's then issued me with a default notice. 6 years have passed and this is now removed from my credit file. If I go down the Unenforceable route can they issue a new default against me?

Thanks

Eh?

sorry, let me get this right...... do you still have a balance after all this time?

in answer to your question - ONE debt = ONE default.

No exceptions. However they can apply for a CCJ.... why claim UE on a debt that is so old? Me no understand...........

never-in-doubt

Goodtimesahead wrote: »

NID, Excellent news but I was wondering if you or anyone else has heard from any of the CRA's about what they are planning to do (I assume they are fighting this all the way and will come to the table kicking and screaming)?

I spoke to Equifax & Experian who both said they hadn't any knowledge about this and couldn't comment and said write in for a writtten response!

Will the UK election and parliament being dissolved mean any delays to this being implemented under uk law?

Anyone got any latest links regarding this new EU directive ie. responses from the credit industry generally. This is a big news if data will only be held for 3yrs, instead of 6 years as it should help speed up the UK recovery as older debts/defaults etc drop off credit files.?:cool:

I belive this is the directive but can't see anything about data being stored for 3 years?
http://www.experian.co.uk/www/pages/downloads/compliance/consumer_credit_directive_220508.pdf

Mate I made this crystal clear in my last reply and will do so again - it is not relevant and most certainly not relevant here !

Speaking to the PM will get you no further and I suspect you have still not read my posts or you'd not have asked me these questions or wasted time ringing the CRA's - right? Please read the two pages where I explained in great detail the process and likely outcome. This is not the place for this discussion.

Can you please stop worrying, you'll not feel the benefit of this for many many moons to come - just let what happens; happen, then i'll advise when I know the same as everyone else.

It is being opposed by the steering group, as I said. Nothing is set in stone, as I said. It is an EU thing, nothing is definitive, as I said...

Sorry but I made the original post over on sub prime soooo easy, these questions are not relevant - ive answered all I can mate - nothing else to learn, nothing else to say!

Please stop confusing this thread with it - you're trying to get answers for unanswerable questions...

swanfan02

swanfan02 wrote: »

Hi NID response from citicard, they have sent a copy agreement, no sigs or dates, current terms & then say "this completes our obligations under CCA1974 & satisfies your request" Next move?

OK but who do i send it to citicard or cduk(dca)? I assume citicard sorry for seeming thick:o

never-in-doubt

swanfan02 wrote: »

OK but who do i send it to citicard or cduk(dca)? I assume citicard sorry for seeming thick:o

Who wrote to you? That's who you respond to, naturally

swanfan02

never-in-doubt wrote: »

Who wrote to you? That's who you respond to, naturally

Citicard, will send it to them. Thanks nid you're a star.:D

in_to_deep

hi nid
after sending letter 4 got a reply back from citi
we are sorry you have had reason to complain and this letter is to acknowledge receipt of your comlaint this has now been passed to customer relations who will carry out an investigation and, if neceessary , contact you to discuss your complaint in more detail.
should we be unable to resolve your complaint to your satisfaction in 8 weeks we will contact you and explain the reason why these timeframes are in line with regulations
then goes on about FLA
do i just sit and wait?:D