Unenforceability & Template Letters III

Rainbow_Liberty

never-in-doubt wrote: »

You cancel all repayments, you will not be paying them again. However, continue with the 11p gym payments for the time being...

That's credit file letters posted - Recorded

Rang checkmyfile after looking on their website, they have cancelled both direct debits but decided to double egg the pudding and sent them the letter anyway as well as Capital One to make sure they don't let the payment be taken again.

Slight error on my part, Originally you said to cancel the 11p SO but that was before I'd mentioned that it was for the gym payment, it has already been paid for April so I've time to reinstate it - can't do it online as I don't have a card reader yet, and also don't have a telephone banking pin number but I am ontop of it.

ALL other SO's 5 x £1 have been cancelled as of today so they have had April's payment and that's it.

Soooooo glad you know what you are doing, my boyfriend is already having panic attacks lol.

catherine238

Name / Insight Account Number Account Type Terms Start Balance Current Balance
Ulster Bank Credit Card - Full (I) / XXXXXXXXXXXX2422 Credit Card £ 0 (Monthl £ 1,566
Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance
Defaulted £ 0 10/07/2008 24/02/2004 01/07 02/01/2007 £ 1,646


C L Finance (I) / XXXXXXXXXXXX2422 Hire Purchase 0 £ 0 (Monthly) £ 0 £ 1,645
Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance
Defaulted £ 0 28/01/2010 01/07 02/01/2007 £ 1,646
Year Dec
2006 Defaulted

catherine238

nid thank you so much i have been going out of my mind with worry over this!!!
you are a star :A

catherine

never-in-doubt

jen_br wrote: »

Um.... Just a quickie editing this reminder letter... really is that all i need to do after the reminder goes out i dont send anything else?

Just send the reminder letter, yea - thats fine

never-in-doubt

catherine238 wrote: »

Name / Insight Account Number Account Type Terms Start Balance Current Balance
Ulster Bank Credit Card - Full (I) / XXXXXXXXXXXX2422 Credit Card £ 0 (Monthl £ 1,566
Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance
Defaulted £ 0 10/07/2008 24/02/2004 01/07 02/01/2007 £ 1,646


C L Finance (I) / XXXXXXXXXXXX2422 Hire Purchase 0 £ 0 (Monthly) £ 0 £ 1,645
Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance
Defaulted £ 0 28/01/2010 01/07 02/01/2007 £ 1,646
Year Dec
2006 Defaulted

Please format this for me by adding it into lines

Thanks

lordcharles2001

:jHello, I am new to this site, boy I like what I have been reading in regards to unenforceable loan. I requested for a copy of my agreement last year and notice that the copy that was sent to me had my signature on both place for my and lender. Please how do I go about this?

catherine238

Ulster Bank xxxxxxxx2422
account type credit card
start balance £o
current balance £1566
Status Defaulted
credit limit £0
Date updated 10/07/20008
start date 24/02/2004
date last deliquent 01/07
default date 02/01/07
default balance £1646



CL Finance xxxxxxxx2422
account type Hire purchace
start balance £0
Current Balance £1645
Status Defaulted
Date updated 28/01/10
Date last delinquent 01/07
Default date 02/01/07
default balance £1646


sorry nid i hope this makes more sense lol

catherine

never-in-doubt

Rainbow_Liberty wrote: »

That's credit file letters posted - Recorded

Rang checkmyfile after looking on their website, they have cancelled both direct debits but decided to double egg the pudding and sent them the letter anyway as well as Capital One to make sure they don't let the payment be taken again.

Slight error on my part, Originally you said to cancel the 11p SO but that was before I'd mentioned that it was for the gym payment, it has already been paid for April so I've time to reinstate it - can't do it online as I don't have a card reader yet, and also don't have a telephone banking pin number but I am ontop of it.

ALL other SO's 5 x £1 have been cancelled as of today so they have had April's payment and that's it.

Soooooo glad you know what you are doing, my boyfriend is already having panic attacks lol.

Hiya

Leave things as they are, including the 11p gym thing (i.e. cancelled) - we'll attack that now! Can you tell me more about this gym, when you signed up, when they defaulted you, also did you get a copy of the DN notice and did you get a notice of termination?

Tell me more...... we'll get the default wiped, and the debt, hopefully :D

never-in-doubt

lordcharles2001 wrote: »

:jHello, I am new to this site, boy I like what I have been reading in regards to unenforceable loan. I requested for a copy of my agreement last year and notice that the copy that was sent to me had my signature on both place for my and lender. Please how do I go about this?

Hiya

Just send this for now - lets see what they respond with: CCA Query - Terms & Conditions Supplied

Locke

Morning NID.

Just a quick update on the CCA I asked for from Barclaycard (Goldfish)

CCA request and reminder sent 12+2 later but no reply to either, another 30 days would have passed by Friday so I just wanted to check do I send the Debtors Final Response (No CCA Received) letter or the CCA Dispute / Section 10 Request letter?

Thanks for the help as always.:)