Unenforceability & Template Letters III

averageguy11

Just a tad...I'm just waiting now for NIDS to run his eyes over the reply.

mojoparrot

averageguy11 wrote: »

Just a tad...I'm just waiting now for NIDS to run his eyes over the reply.

Did you take it out as a flyer through the post?

averageguy11

Erm...excuse my ignorance..but what do u mean?..lol

never-in-doubt

averageguy11 wrote: »

Erm...excuse my ignorance..but what do u mean?..lol

Crappy1 60 second application - with a huge YES in the corner? lol :rotfl::rotfl:

never-in-doubt

jadex wrote: »

This part of seems to standard creditors' answer is something which I do not get it.
By definition, dispute is a disagreement over something.between parties involved.
If I say "I disagree with this and that", this to me is clearly in dispute.
Can the other side say: we disagree that you disagree? Thus two negatives make it a positive (it's not a maths though...)?
If one side disagree with another then it must be in dispute, unless their logic is somewhat different.

LOL,

Its quite easy, you can put the account into dispute which means the lender cannot chase you for 28 days whilst they investigate your complaint (its all within FOS guidance).... So after they have investigated, they can deny your dispute in which case they should issue a final response, which then allows you to take your dispute up, with the regulatory bodies directly.

Its due process, nothing sinister but yea - its annoying, cos if i'm disputing something, it stays disputed until I SAY otherwise, not the bloody banks :rotfl::rotfl:

never-in-doubt

trigger1812 wrote: »

Hi nids yet again me for hopefully the last time in a week or 2, regarding Link I only requested it on the phone so would the 1st letter not be best,also this debt was originally defaulted on my credit file but now that 6 yrs has past has gone....will they default me again for the same debt? thanks

What? What exactly do you mean you've asked for it on the phone....? Why would you ever ring them? For what purpose? Is it statute barred as well?

You cannot formally demand supply of documents over the phone.... you've just confused me even more. Have you bothered to read page 1? I assume you know what you're talking about so best follow that cos I do not have the time for riddles. sorry. :mad:

Follow the steps on page 1 - good luck.

Regards to default, yea they can ccj you can't you! but the limited and somewhat deceiving way you're holding back here suggests there is a lot more to this than meets the eye and I aint got time for the games, sorry!

never-in-doubt

averageguy11 wrote: »

Hi CAPITAL ONE...latest letter received in request of the CCA.....wot do u think NIDS...they admit they don't retain ..but say they don't accept account is in dispute....comments would be welcomed.

Just sit back and wait for the CCA that they promise in line one........ :D

Their letter is garbage by the way, not even worthy of a response right now :o

averageguy11

never-in-doubt wrote: »

Just sit back and wait for the CCA that they promise in line one........ :D

Their letter is garbage by the way, not even worthy of a response right now :o

Lol...yes...but they seem to have indicated that they havent got a signed copy..agreed?

averageguy11

Mojo...sorry thick moment...yea..I think so..but hey was 6 years ago...lol

scarednshakin

Good Morning Niddy, hope you are well

Just received a reply from EGG do you want me to post it here or in the EGG thread.

Many thanks