Unenforceability & Template Letters III

Utopia

never-in-doubt wrote: »

Hiya, sorry for the delay but when I see a big message I tend to shy away for a bit to catch up... now i'm up to date you have my undivided attention


Phew!
Thank Goodness for that......thought I had done something wrong and was feeling a tad unloved! :rotfl:

I will get the info to you tomorrow once I've had my forty winks. I'm on nights again tonight and everything's at home.;)

Enjoy your shift and Cheers for bringing a smile to my face :beer:
(I got quite a buzz when I saw you had replied to me...How sad am I???)

X

carol01

monlou wrote: »

Hi Nid

Sent of a CCA request to Halifax on behalf of my mum.
They sent a letter back saying that they are currently awaiting the documentation to fulfil her request blah blah blah.

But the last paragraph states the following
'' The Ministry of justice headline reads '' Businesses that mislead the public by claiming they can arrange for unpaid loans,credit card debts or other consumer debts to be written off have been told to stop or face action Justice Minister Bridget Prentice said today, as new guidance was issued by the ministry of Justice''

What does this mean?

Thanks

i think someone needs to have a word with justice minister bridget prentice that she keeps repeating herself she said the same on the 14 of april (my halifax letter) .

never-in-doubt

trigger1812 wrote: »

Hi Nids, just a very quick question that occurred to me today...if link were to have my signature(I honestly truely cant remember if I have sent them letters in the past, but im sure I have not,and I certainly have never signed any forms from them) could they try it on and copy it onto an agreement or does the agreement have to come straight from the original bank..I hope you know what I mean cheers for any response.
P.S I mean could link try to falsify the original agreement?

Yes - they have been known to copy it onto an agreement - but stop worrying, go back a page and see my message about this yesterday!

RobertO_2

never-in-doubt wrote: »

Stop being so keen... it's pointless clock counting for them to then send it a week after your final response, kinda gives the game away to them so just sit tight until you're quite certain enough time has passed, but you wait at least a month from original CCA Request before sending a CCA Query and another month before the final response/cca dispute letter so really, it should be 2 months before you consider writing again..... but yes, you would send the CCA Dispute / s.10 template



See above - same timescales and yes, same template as well.



You send this: Debtors Final Response - No CCA Received


Anytime mate - cheers :beer::beer:

Hi Niddy

Just wanted to say many thanks.:T:T:T:T:T:T:T:T:T

RobertO

trigger1812

Lol Nids I think ill just stop things occuring to me in traffic jams and goooooooooo with floooooooooow thanks

Rainbow_Liberty

Utopia wrote: »

(I got quite a buzz when I saw you had replied to me...How sad am I???)

X

That probably goes for all of us then, in a strange way I look forward to seeing my name with NID signature block, I know then Im in good hands for finding my way through the maze.

Thanks from us all NID

never-in-doubt

Rainbow_Liberty wrote: »

That probably goes for all of us then, in a strange way I look forward to seeing my name with NID signature block, I know then Im in good hands for finding my way through the maze.

Thanks from us all NID

aaaaw stoppit - Niddy will blush :embarasse:embarasse:embarasse

But thanks, appreciate your nice words.....

BigCraigJohn

Hi Nid, its now 4 weeks since I sent the t&c query to Cap1. No mail(even a statement) other than the default. Ive not recieved a final response etc. Am I ok to just forget it and go with the flow see what happens or do I need something to confirm that i'm done with the matter?.
Been busy reclaiming ppi and charges so had sort of forgotten about this.
For what its worth ive just had the best month in 6 years purely from the knowledge ive been doing something to get on top of my debts and that £300+ has made a huge difference. I actually made a dent in another credit card balance:)

never-in-doubt

BigCraigJohn wrote: »

Hi Nid, its now 4 weeks since I sent the t&c query to Cap1. No mail(even a statement) other than the default. Ive not recieved a final response etc. Am I ok to just forget it and go with the flow see what happens or do I need something to confirm that i'm done with the matter?.
Been busy reclaiming ppi and charges so had sort of forgotten about this.
For what its worth ive just had the best month in 6 years purely from the knowledge ive been doing something to get on top of my debts and that £300+ has made a huge difference. I actually made a dent in another credit card balance:)

Just leave it mate til they come back to you..... its already unenforceable and stays that way until they prove they have the original. Let me know moreso if they get in contact yea? :T

mojoparrot

Hi NID
Hope you are well.:j
If there is PPI on an agreement that I wasnt aware of then how do I go about recaliming that - or should I not bother? I know PPI is not your thing but if I'm going down the unenforceability route do I send out the letters on the MSE website or do you think I should let it go?
Thanks
Mojo:D