Unenforceability & Template Letters III

mk_chatham

never-in-doubt wrote: »

All the above are unenforceable as things stand, nice one.... :T But they may try and argue, we'll see what happens yea?

Can't thank you enough NID, thats over £33K thats hopefully UE. Will let you know what happens next.

averageguy11

I dont expect u to rembr..but mine is a capital one account..they took 6 weeks to com up with something tht was stitched together...mentioning they dont retian the agreement ..just keep the sig portion which is scanned into ther system..lol..anyway ther ltr is dated 300310...thy promised to retrieve and send me a copy of current agreement ''shortly'' ...so its as gd as anthr month and nothing here...whats the next step?

TIA

never-in-doubt

mk_chatham wrote: »

Can't thank you enough NID, thats over £33K thats hopefully UE. Will let you know what happens next.

oooh, a beer sounds good to me lol :beer::beer:

Locke

never-in-doubt wrote: »

Hiya matey

sorry for the delay. Ok, that is it - you wanted a final response from them and you now have it - stalemate time :T:T

You win! 100% unenforceable... respond with this: Debtors Final Response - No CCA Received

They have not sent a lawful agreement which contains or links to the prescribed terms and/or restricted terms. The fact you signed and used the account is immaterial, where is the signed form that you agree to be bound by the terms? Ermmm, without this - forget it HBOS :rotfl::rotfl:

Thanks NID, as always I appreciate your help sorting this.

never-in-doubt

averageguy11 wrote: »

I dont expect u to rembr..but mine is a capital one account..they took 6 weeks to com up with something tht was stitched together...mentioning they dont retian the agreement ..just keep the sig portion which is scanned into ther system..lol..anyway ther ltr is dated 300310...thy promised to retrieve and send me a copy of current agreement ''shortly'' ...so its as gd as anthr month and nothing here...whats the next step?

TIA

Hiya (I remember everyone) lol

Send this: Debtors Final Response - No CCA Received

Locke

averageguy11 wrote: »

I dont expect u to rembr..but mine is a capital one account..they took 6 weeks to com up with something tht was stitched together...mentioning they dont retian the agreement ..just keep the sig portion which is scanned into ther system..lol..anyway ther ltr is dated 300310...thy promised to retrieve and send me a copy of current agreement ''shortly'' ...so its as gd as anthr month and nothing here...whats the next step?

TIA

Wow! They really said that?!

never-in-doubt

Locke wrote: »

Wow! They really said that?!

Yes mate - they say it all the time - they really don't know who they are up against :rotfl::rotfl:

We are MSE - we will not be defeated :D

never-in-doubt

mk_chatham wrote: »

Can't thank you enough NID, thats over £33K thats hopefully UE. Will let you know what happens next.

I'm going for over £120k on this thread mate - Frightened about my future

I just mentioned your post over there: http://forums.moneysavingexpert.com/showpost.php?p=32262403&postcount=851

scarednshakin

never-in-doubt wrote: »

Hiya matey - don't worry, calm down ;)

Just send the final response, you're doing what's known as "winging it" but lets see what they do.... (not much i'd suspect)

Cheers Niddy :beer:, letter will be sent out tomorrow, thanks for taking the time to get back to me and will I stop the panicking or at least try to, should know that with Niddy on the case no need to panick

carol01

never-in-doubt wrote: »

I'm going for over £120k on this thread mate - Frightened about my future

I just mentioned your post over there: http://forums.moneysavingexpert.com/showpost.php?p=32262403&postcount=851

you should have a calculator topping up how much you have now deem unenforceable each month