Unenforceability & Template Letters III

pebbles88

Moobags wrote: »

Thanks so much Pebbles

I have read and reread this thread and I still missed the letter you have pointed me towards

Thanks again

no problem at all, its nice to be able to help someone, at the start of this thread, there are the first few posts with flowcharts on.... outlining the step by step process.

after the last one, NID has listed pretty much every letter you will need, along with descriptions of each one and what its for.

ps dont dont dont dont dont ever ring them!!! communicate by writing only so you have a paper trail and proof of what has been said.

scarednshakin

Moobags wrote: »

Hi scarednshakin

It has been passed to F.T.C who are a division of CapQuest Debt Recovery
I hope this helps you

Hi, mine was there as well, but they put it back to Cap One when I sent out the letter pointing out that the account was in dispute. Good luck with your letter Remember don't talk to them on the phone, just keep sending out Niddys letters.

Moobags_2

scarednshakin wrote: »

Hi, mine was there as well, but they put it back to Cap One when I sent out the letter pointing out that the account was in dispute. Good luck with your letter Remember don't talk to them on the phone, just keep sending out Niddys letters.

Letter is all ready to be sent recorded delivery in the morning

Pebbles . . . I have learnt my lesson and wont ring them again

Its great to have so much support from everyone :beer:

Wispa1

Moobags wrote: »

Hi Wispa
I read your post with interest as I'm a stage behind you and just about to send the letter from the Egg thread
Please let us know what response if any you get to your next letter so I know what to expect

Hi moobags - I will definitely you know. I am sure it will be the same usual Egg rubbish that they have been spouting out for years!!!! It took them about 6 months to get this far as I CCA'd them last October when i first found out about this thread. I am not worried now NIDS is on the case . Take care

Wispa1

evilcartman wrote: »

Interesting. They've not tried pulling that one with me yet.

Hi Evilcartman - trust me to end up being the one that gets the experimental letter sent to.....!!!!!:eek:. I am not worried though as NIDS is on the case . Take care

pebbles88

Moobags wrote: »

Letter is all ready to be sent recorded delivery in the morning

Pebbles . . . I have learnt my lesson and wont ring them again

Its great to have so much support from everyone :beer:

you are welcome Moobags, its all a bit bewildering when you first start out, but we will help each other to gets things sorted, dont worry.

fyi - i cca'd cap one for an old account, they at first said they couldnt find it (but wasnt really any further on as i had paid it, but my mine reason for asking was for ppi info..... when they said they didnt have it, i left it at that.... 8 months later out of the blue they sent me it! :eek:

im certainly not saying it that will happen with any others, but just be aware. xx

elsie52

Hi Niddy,

I know you are away for the weekend and I hope you had a great time. Would you advise what to do next please.

We sent CCA request to Marbles, 19/4/2010. We received a letter back from them today.

"I have enclosed with this letter a copy of your current executed agreement and a signed statement of your account. I have requested a copy of the original signed application form from the relevant department. You will receive this shortly under separate cover."

Attached to this letter is what looks like a new credit card agreement, with our present address on (we didn't live at this address when it was taken out), our credit limit, and account number. nothing else is on, signature. etc. dates. Also enclosed is plain sheet of paper headed, Statement of Account. and our Balance, credit limit, interest rates.

It also goes on to say

By providing you with the documents attached to this letter, we have satisfied our obligation to provide a copy of the executed agreement under Section 78. As such, the agreement you have with us is fully enforceable and we shall continue to treat it such. We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement.

Now from reading this thread I know that nothing is enforceable until Niddy says so.!!

What do we do next.? Wait.

amersall

to save me trawling through all of this thread, has anybody had a loan or cc deemed unenforcable?

jen_br

davewelch00 wrote: »

I have 3 defaults on my credit report.

1 is an old defaulted account I had with orange from before 2007.

2 is a default from CapQuest they have been trying to chase me up for old bank charges, pre 2007. The total amount of around £200 is made up purley from charges adding up.

3 is a default from Abbey for the same instance as above, pre 2007 also.

I naively made token payments to each account so they will be on my credit report for another 3 years or so.

Am I wasting my time with CCA requests which I am preparing to send next Monday, 26th April?

My aim is to have the debts prooven as unenforceable and have the defaults removed from my credit report.

Please ask if any other info is needed and I will provide honest and accurate answers.

I have read alot of information about process' and procedures, but am ending up more confused than when I started , which is why I am now asking this question.

All help greatly appreciated, keep up the good work!!

Hi NIDS may correct me but i remember him saying firstly you can't do Mobile phones.

Secondly are you going through this route for 400.00??? Honestly if i were you and your affording the token payments and can do so and its only on your account for 3 more years i would continue on

Im sure nidds would agree that this route is for those in dire needs can't afford and are in a lot more debt then 400.00. The process to remove the defaults can be lengthy and I know nids has told people who have very small debts to not really bother...

again i could be wrong but i hope this helps correct me if its more ALOT more then 400.00 but the wya you made it sound it was 400

jen_br

amersall wrote: »

to save me trawling through all of this thread, has anybody had a loan or cc deemed unenforcable?

I would suggest you go through the thread lots of people have.