Unenforceability & Template Letters III

monlou

Thanks Nid

never-in-doubt wrote: »

Morning,

Barclays (mums account) - Unenforceable :T - send this: CCA Query - Terms & Conditions Supplied

Halifax - Unenforceable :T - send this: CCA Query

MBNA - Enforceable (you done this in Dec 2007 and signed digitally, with the "Tick in a Box" - see note below, from my FAQ, regards to this:



Regards to the MBNA account, you could try and blag it and see what happens? This is up to you, if they push too hard then we can always back down at a later date but could be worth a punt at blagging it and assuming it is unenforceable - kinda like calling their bluff?

If you want to blag it send this: CCA Query Update me with whatever they respond with. If you don't, then agree to a repayment plan

broccoli9

Hi there NID - hope you had a great weekend away!

Just wanted to check next step with one of my situations....

Cap One CC being dealt with by Capquest
Sent CCA request - received nothing
Sent CCA reminder - received photocopied bits and pieces fixed together (app form)
Sent CCA Query letter - received letter stating they had passed back to Cap One
Today received a letter from Cap One saying its been passed back to them and asking us to pay them.

Do I start again with CCA request with Cap One now? Or should they already know that Ive asked for the CCA? I think you said something about sending a final response letter if we rec anything from Cap One - but I was a little confused as all previous correspondance was with Capquest and therefore Cap One might not know that we have asked for it.

Many thanks in advance

scarednshakin

Morning Niddy, hope you had a fab weekend

Got a letter today from Moorcroft about BoS, post #1897 . I sent out the Final Response letter to BoS on 17 April and now get letter from Moorcroft saying 'I write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further'.

Is there a letter I can send out to them, We had been paying them but stopped when we asked for the CCA.

Also got reply today about the BoS Preference Account, is it ok to send a PM to you? Thanks as always mate :D

never-in-doubt

scarednshakin wrote: »

Is there a letter I can send out to them, We had been paying them but stopped when we asked for the CCA.

You've already done the final response - now you ignore them matey

scarednshakin wrote: »

Also got reply today about the BoS Preference Account, is it ok to send a PM to you? Thanks as always mate :D

Go on mate - what are they saying? lets have an early morning chuckle :rotfl:

never-in-doubt

broccoli9 wrote: »

Hi there NID - hope you had a great weekend away!

Just wanted to check next step with one of my situations....

Cap One CC being dealt with by Capquest
Sent CCA request - received nothing
Sent CCA reminder - received photocopied bits and pieces fixed together (app form)
Sent CCA Query letter - received letter stating they had passed back to Cap One
Today received a letter from Cap One saying its been passed back to them and asking us to pay them.

Do I start again with CCA request with Cap One now? Or should they already know that Ive asked for the CCA? I think you said something about sending a final response letter if we rec anything from Cap One - but I was a little confused as all previous correspondance was with Capquest and therefore Cap One might not know that we have asked for it.

Many thanks in advance

Hiya

Nope - you simply ignore them, its already unenforceable. The other option is to send the final response (cca received) with a copy of previour correspondence so they know what is going on.

CapQuest should update HBOS - its not for you to do this mate

scarednshakin

never-in-doubt wrote: »

You've already done the final response - now you ignore them matey



Go on mate - what are they saying? lets have an early morning chuckle :rotfl:

Ok will ignore Moorcroft :D. Will send PM - yep you guessed it they do not agree with my letter and are declining my complaint :rotfl:

cejsmith

Hi

I just got this from mint. I've looked though it and I think it's enforcable:mad:

Cound NID look it over for me.

Thanks

http://i874.photobucket.com/albums/ab302/cejsmith/mint/mint1.jpg

10past6

Alpina wrote: »

i started payments as required by the order

Alpina wrote: »

wondered if i could perhaps persue that route, or maybe request the CCA from Capital One or Bryan Carter

Challenging the CCA at this stage is pointless, you've admitted the debt exists due to your quote in red above.

I'm somewhat confused by the amounts stated / what action BC has taken / and what you've paid, the first step you need to take is to suspend the warrant, you need to complete this for here include the required fee £35.00 and send it to the court that issued the warrant.

In you own interest, I suggest you keep a copy of your application in the event a bailiff arrives, prior to your application being granted, should a bailiff arrive, it's important "YOU DON'T ALLOW HIM INTO YOUR PREMISES"

Next, I suggest you complete this form here include the fee £75.00 and request a / all CCJs set aside in an attempt to clarify what the position is regarding the debt.

never-in-doubt

scarednshakin wrote: »

Ok will ignore Moorcroft :D. Will send PM - yep you guessed it they do not agree with my letter and are declining my complaint :rotfl:

Ahh if that is all then don't worry, they always will disagree - muppets!

You already sent the final response didn't you? If not, then send it - if so then ignore them.

Nowt they can do matey :beer:

never-in-doubt

cejsmith wrote: »

Hi

I just got this from mint. I've looked though it and I think it's enforcable:mad:

Cound NID look it over for me.

Thanks

http://i874.photobucket.com/albums/ab302/cejsmith/mint/mint1.jpg

Hiya - I agree, it is almost fully enforceable, you could try and blag it and see what happens? This is up to you, if they push too hard then we can always back down at a later date but could be worth a punt at blagging it and assuming it is 100% unenforceable - kinda like calling their bluff?

If you want to blag it send this: CCA Query & update me with whatever they respond with. If you don't, then agree to a repayment plan as soon as you can afford to.