Unenforceability & Template Letters III

never-in-doubt

nanna58 wrote: »

because i took out my b card before 2006 and it was originaly monument , would it be worth trying the cca route

Yes sure it is.... but you will get defaulted so if its your *only* account, don't waste your credit rating with it

carol01

never-in-doubt wrote: »

Hiya Carol

Yep - you got it, just send that template and rightly so, amend where necessary. :T

thanks n.i.d
will sent first thing tomato

nanna58

thank you nid

if i never see another cc again it will be to soon
im a wrinkly now anyway wot the hell:):)

Squibble

never-in-doubt wrote: »

Hiya

page 1:



That's what i'd be sending if you've waited 30 days since the 12+2 days expired.

Hi, Please clarify as I am confused.

Do I send the - CCA Dispute letter after 30 days of sending the reminder letter

or


Do i send the - CCA Dispute letter as it has been 12 +2 and the 30 days since I made the initial request which also includes the reminder during this time?


Can someone let me know???

thanks x

never-in-doubt

jinny wrote: »

Hi Nids here are me debts for you to have a look at.

Hiya, sorry for the delay

jinny wrote: »

Vanquis Credit card-sold to Lowell portfolio (these phone me at work) - defaulted on 25/5/09 balance 413.00 last payment 30/9/08

Send them this in one envelope Harassment by Telephone - Follow Up and this in another (with £1) CCA Request - all letters should be send recorded delivery....

jinny wrote: »

Lloydsplc overdraft now collected by Apex - defaulted on 31/7/09 balance 1203.00 last payment 03/2/09

Send this: CCA Request (with £1 and recorded delivery)

jinny wrote: »

Northern Rock plc - defaulted on 31/1/05 balance 103.00 last payment 31/1/05

Send this: CCA Request (with £1 and recorded delivery)

jinny wrote: »

creditors no longer on credit file but most still chasing me

See below......

jinny wrote: »

black horse loan collected by lewis might be finished not sure
defaulted on 16/11/05 balance 1337.97 last payment nov 08

Send this: CCA Request (with £1 and recorded delivery)

jinny wrote: »

Lombard loan now collected by Arden Credit collections
defaulted on 24/2/03 balance 3328.96 last payment 06/11/08

Send this: CCA Request (with £1 and recorded delivery)

jinny wrote: »

Lloyds credit card now collected by Apex phone pests
defaulted on 29/5/03 balance 846.82 last payment 03/11/08

Send this: CCA Request (with £1 and recorded delivery)

jinny wrote: »

Capital one credit card collected by lowell portfolio
defaulted on 25/8/02 balance 236.21 last payment 03/4/08

Send this: CCA Request (with £1 and recorded delivery)

jinny wrote: »

all priority payments ok - owe gas lecy but can make arrangements

Ok don't fall into big arrears with these, you need your utilities.... speak to them direct, they will be happy to come to an arrangement....

never-in-doubt

Squibble wrote: »

Hi, Please clarify as I am confused.

Do I send the - CCA Dispute letter after 30 days of sending the reminder letter

I answered you first time you asked - here: #1840

Send the letter below (click blue text)

4. CCA Dispute / s.10 Cease & Desist
This is the letter you send if the CCA has not arrived, usually 30 days after the CCA Reminder letter was sent - also a s.10 Cease & Desist letter (s.10 / DPA1998).

broccoli9

Hi there NID

I hate to mither you but wondered if youd seen my post no 1945 today and if you had any advice on this.

I realise it was only this morning and do appreciate that you are very very busy but as it was a couple of pages ago think perhaps it could be easily missed in the many many responses you have had to compile today.

Excuse my cheekiness!:o
Many thanks

never-in-doubt

broccoli9 wrote: »

Hi there NID

I hate to mither you but wondered if youd seen my post no 1945 today and if you had any advice on this.

I realise it was only this morning and do appreciate that you are very very busy but as it was a couple of pages ago think perhaps it could be easily missed in the many many responses you have had to compile today.

Excuse my cheekiness!:o
Many thanks

Hiya isn't a case of follow same advice as with the other capquest account?

broccoli9

NID - I did think that but was somewhat concerned about the fact that we are already paying Robinson Way for this debt and have been for some time. Do I also need to be sending a CCA req to Rob Way now then?

Also dont like the fact the the balance owed changes every time some correspondance comes through!

They seem to try to intentionally confuse matters at each turn!

jadex

Just a short question:
CCA request sent -> no reply
Reminder sent -> no reply
It's time to send 'CCA dispute/s.10' letter as per flowchart #4
When (if any) 'Final Response - No CCA received' #29 should be fired off?