Unenforceability & Template Letters III

BeenieCat

10past6 wrote: »

Dear Muppets
...

:rotfl: Don't edit that bit either :rotfl:

jen_br

Squibble wrote: »

Thanks Jen.. i was initially going to go through solicitors but the solicitor said they no longer deal with this as there was no point.. and now doing it for myself just got worried!

It is worrying and it DOES make you sick! I know but have trust in these guys here

pebbles88

10past6 wrote: »

In that case, amend and send the following letter to Moorcrap:

thanks :T pm'd you

never-in-doubt

averageguy11 wrote: »

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

Yes they probs won't have but still, we need to await and see what they do send..... let me know when it comes (the application form, i'd suspect!)

never-in-doubt

trigger1812 wrote: »

Hi Nids I think I better start from the beginning as I seem to have confused both you and myself to and I am sorry for that, it just an awful lot to take in.
In 2002 I took out a loan with LLoydsTsb.
Defaulted in I think 2004, I think then it was passed to another company who chased it , eventually the debt was bought by Link to which I started paying a monthly payment, that started early last year.
The reason I spoke to LLoyds on the phone was to chase up the original Loan agreement number and my previous bank account number which they came back and said they had no recollection of me whatsoever.
I also spoke to Link regarding this as I explained that I was trying to get my paperwork uptogether and the chap I spoke to was lovely and he done a search and told me what details they held regarding the original loan.
So I have now printed out a first request, I hope this is correct and I will not speak to them anymore.
I hope I have made it a little clearer now thanks

Hiya

Ok, clear now. So really you've done nothing as yet? Head to page 1 and follow the process, start by sending £1 to Link with the CCA Request. No more phone calls ok?

never-in-doubt

flybutterfly wrote: »

hiya nid

have pm the link,if you would kindly have a look when you have the time

Hiya

It looks like a fully enforceable "application form" to me lol

However, send this back to them: CCA Query

never-in-doubt

jen_br wrote: »

Good Morning NID, So still no reply on DH's request I sent off a reminder... and today I got a letter saying

"......Thank you for your letter.........We will accept a payment of 13.45 a month for X months"

LOL cute innit?

LOL, shame you aint making any offers - course they will accept it! Muppets! Keep us posted on developments....

never-in-doubt

Rainbow_Liberty wrote: »

Hi NID don't know if you saw my last post to you #1764 (still don't know how to link back to posts sorry) regarding the gym membership.

Today I've had a reply from Egg (card not loan)

There is a copy of the Credit Agreement and also a copy of my direct debit mandate.

How do I send you scanned copies of these please, that's assuming that you want to see them of course.

Many thanks NID

Hiya

You need to load the images to imageshack or similar then send me a PM with the links to the images. If this is too technical let me know and you'll have to email me them....

At this stage the Egg thread is not relevant, this is only if the agreement is enforceable and we're hiding behind their illegal manner of the use of the word "approved"..... i'll not get into it but pointless going to the Egg Thread right now, no need. Just let me see what they have sent first.

never-in-doubt

mojoparrot wrote: »

Hi NID
remember my first scanned CCA from M & S that you had a look at for me, well....
Today I got the full SAR from the solicitors closing down CCR. This copy shows the same agreement but in the box on the bottom right corner where a signature and date is required by the lender there is a name and date, this is not there in the copy they sent to me!
Would M&S have deliberatly deleted this from the copy that they sent to me? and do you think it will make any difference?
i also have the last 2 of my CCA's through, another M&S Personal reserve product and a dorothy perkins card can you please take a look?:o:o
Im going to go through the M &S SAR now but its BIG:eek::eek: so may take some time. Is there anything I should look for?

Thanks, hope you dont get a headache with all this!:o

Checked through the SAR now. I noticed that there is no reference at all to the store card pre 2005. Are M & S trying to make out that I didnt have the store card prior to the change to a CC? Are they aware that the variation credit agreement is the loophole? Post 1657
I have another reserve product from M&S and had the SAR for that too today. This was taken in 1998. At the start of this application form/agreement there is a space where I am asked whether I have an M&S store card (which I did) and asks for the number. It looks to me like this number has been blanked out. Would this again be to erase reference to the store card to make out a varying agreement was not needed? Its like the store card never existed!!
Mojo

Hiya

You'll need to email me whatever you need checking..... as for the M&S card, what did I say last time? Was it enforceable or UE? Remember I see loads of these each day and cannot remember!

never-in-doubt

iwantthatone wrote: »

Hi, I am about to send the CCA request off to Natwest and was just wondering how others had fared with them?

Depends, on lots of things - you cannot compare unfortunately.