Unenforceability & Template Letters III

BeenieCat

Lol :T:T:T Thank you so much, will get this sent! Can i send it to Barclaycard aswell, obv amending the figures?!

Thanks

never-in-doubt

BeenieCat wrote: »

Can i send it to Barclaycard aswell, obv amending the figures?!

Thanks

Hiya - if you want lol

Aimsleey

Proof that NID rocks....

Letter received today from Advantis Credit on behalf of Littlewoods/Shop Direct-

"Thank you for your recent letter. We write to inform you that we are no longer dealing with your account. We can confirm that our client has notified us to cease collection on your account. Your account has now been closed and there will be no further action taken by ourselves."

This does leave them open to sell it on I guess, but since it's clearly unenforcable I'll just fight it with any DCA that they try to sell it to. Two 1st class stamps saved me £377.50

never-in-doubt

Aimsleey wrote: »

Proof that NID rocks....

Letter received today from Advantis Credit on behalf of Littlewoods/Shop Direct-

"Thank you for your recent letter. We write to inform you that we are no longer dealing with your account. We can confirm that our client has notified us to cease collection on your account. Your account has now been closed and there will be no further action taken by ourselves."

This does leave them open to sell it on I guess, but since it's clearly unenforcable I'll just fight it with any DCA that they try to sell it to. Two 1st class stamps saved me £377.50

Hiya Amy

Why do you need proof? You know Niddy rocks lol (just kidding)

Nooo - that's it, I told you before that Littlewoods/SDG are easy to beat! That's it, done dusted and finished. Well done you :T

Fells good getting revenge, right?

never-in-doubt

Kimbohuddy wrote: »

Hi, I look forward to hearing any guidance from NID - they seem to be the oracle on here for this kind of info.

and thank you for not judging.

I dont mind if i dont get anything back, just the position i've been left in after the seperation if I can sort out the debts it would be good! give me some breathing space.

Thanks again though

K

Hiya

Please see your thread - replied there and sent you a PM

Thread: Bank haven't provided signed CCA

Aimsleey

never-in-doubt wrote: »

Hiya Amy

Why do you need proof? You know Niddy rocks lol (just kidding)

Nooo - that's it, I told you before that Littlewoods/SDG are easy to beat! That's it, done dusted and finished. Well done you :T

Fells good getting revenge, right?

Lol.... Indeed- I should maybe have just said "kudos for NID" Feels great getting rid of the drivel and focusing on the "real" stuff- I had been paying them £10 a month, which can now go to paying off my overdraft.

BeenieCat

Nid, one of my Shop Direct accounts + Barclaycard haven't responded to my first CCA request - sent on March 16th. Time to remind??

never-in-doubt

BeenieCat wrote: »

Nid, one of my Shop Direct accounts + Barclaycard haven't responded to my first CCA request - sent on March 16th. Time to remind??

Yep - indeedio, only to Barclaycard though. SDG - you send this: CCA Dispute / s.10 Cease & Desist :D

Locke

I've had another letter from Barclaycard delivered today that I've just found on the table.

A quick recap...

*CCA request sent by me.

*Barclaycard reply with the terms and conditions.

*I send template 3.2 back.

Which brings us back to their reply today, it's only a short letter so I'll type it out.

Reference: Section 78 of the credit consumer act 1974

I write further to your recent letter alleging that we have failed to comply with our obligations in relation to your request for documents pursuant to section 78 of the consumer credit act.

Please not that we have already set out, in detail, why we are satisfied that the documents already provided to you have discharged out obligations under the act. we are under no legal obligation to provide any further documentation to you in this regard.

That's it.:)

So what should I reply with now, NID?

never-in-doubt

Locke wrote: »

I've had another letter from Barclaycard delivered today that I've just found on the table.

That's it.:)

So what should I reply with now, NID?

This mate: Debtors Final Response - CCA Received

Finished, forget it after that - it is unenforceable, fcuk their opinion lol :):):):)