Unenforceability & Template Letters III

never-in-doubt

BLT wrote: »

I'm not sure if this is allowed but having read through these threads I would just like to say that Never In Doubt is to my mind 'the dogs bollox' - so much free advice and hard work for so little reward. I wish I had found this thread when I owed big bucks

Hiya

Thanks - appreciate your kind words :beer: :beer: :beer:

never-in-doubt

haha - see, it does work doesn't it - so long as you stick to the process i've outlined and do not deviate then everything should, would out hunky-dorey

Well done :T :T :T

justanrach wrote: »

oh... just to let everyone know,
caboot wrote back the other day (just inside the 14 day period) and explained they can not find the originals of our CCA, x2, so will no longer take our hard earnt money !! yeee haaa !!!
so it can work, to all those that think it can't.......

never-in-doubt

evilcartman wrote: »

NiD, I was about to send off the above letter by special delivery and have just received yet another bluff-and-bluster letter from them. This one claims they provided a "true copy" (which we know it isn't) under the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations and in Carey v HSBC. That's jolly nice of them because of course your letter totally pwns them on those points. :rotfl:

Just to clarify, should I send this letter to the "customer relations adviser" or just have a generic "Dear Sirs" like in your letter? I just want to be sure it'll go to the right person.

Also, they repeatedly tell me I have a set amount of time to refer the matter to the Financial Ombudsman Service. Should I take them up on this kind offer or is it, as I suspect, an attempt to lead me into a procedural cul-de-sac that lets them off the hook? My position is that this is a matter of LAW and should be dealt with by the courts.

Hiya

send it back to the named person, I use dear sirs on templates cos it'd be impossible to name every staff member from every lender lol... basically, they are templates so of course they need to be amended and personalised.

The best one, someone asked me the other day if they should leave the words "sign digitally" or replace it with their own name :eek: :rotfl:

BeenieCat

Got a letter from Shop Direct today (Very), they can't find it... *snigger*

Uploaded a copy of the pic anyway, here it is:

http://i737.photobucket.com/albums/xx19/BeenieCCA/ScanImg010.jpg?t=1271097837

They sent me this too which is blank, i've not edited...

Page 1

Page 2

never-in-doubt

BeenieCat wrote: »

Got a letter from Shop Direct today (Very), they can't find it... *snigger*

Hehe - you do right to snigger - it is unenforceable, forget it and move on - but send this to close things, from your end: Debtors Final Response - CCA Received

:T :T :T

mojoparrot

never-in-doubt wrote: »

First glance - all are enforceable, let me look into it properly, last night I got preoccupied and you went offline so I left them! I need you around - try and stay online when I am so we can CHAT about what you sent me! :j

You around NID:)

BeenieCat

Yay, thanks

Hope i'm not one of those unlucky few that are found at a later date :eek: Although i'll keep that hope for my larger account i think

never-in-doubt

mojoparrot wrote: »

You around NID:)

Hah - bloody cheek! I've only waited for like 3 days for you to be here! :rotfl: :rotfl:

never-in-doubt

BeenieCat wrote: »

Yay, thanks

Hope i'm not one of those unlucky few that are found at a later date :eek: Although i'll keep that hope for my larger account i think

They will not find it, you'll be alright. With catalogues, very few people actually did sign anything cos they would let you make an order, give you credit, send the stuff and a catalogue and then a few statements down the line would be an agreement - most people binned them (wisely)...

Forget it, the final response letter closes things, the account is finished now.

mojoparrot

never-in-doubt wrote: »

Hah - bloody cheek! I've only waited for like 3 days for you to be here! :rotfl: :rotfl:

Ha
Sorry here though now:T:T:T
Thanks for looking at the email, glad you got it :T
What would you like to know:)