Unenforceability & Template Letters III

BorassicLint

Sorry don't know who it is for HBOS but Capital 1 is Debitas and Barclaycard is Mercers.

Edit: Just seen above post, I don't think they are they inhouse DCA's.

never-in-doubt

Locke wrote: »

Can someone tell me who the in house DCA's are for HBOS, cap one and barclaycard?

Even better if anyone has been chased up by one of these who could tell me what number they use to ring you.

Please start a new thread on this - its not relevant cos they all chop and change all the time...... lets not ruin this specific thread with this - it really does not matter who they are, who they use or why they use them.

BorassicLint wrote: »

Sorry don't know who it is for HBOS but Capital 1 is Debitas and Barclaycard is Mercers.

Yes amongst many others......

in_to_deep wrote: »

hbos blair oliver & scott cap 1 is capquest barclay are credit solutions & calder financial as for numbers go to a site called[ who calls me ] and it will tell you :rotfl:

As above - the site is here: http://whocallsme.com/ :D

never-in-doubt

jen_br wrote: »

NID

Sent you email earlier

Will check emails soon - just a catching up first!

never-in-doubt

BorassicLint wrote: »

Hi NID,

Sorry I know you're very busy but have you had a chance to look at the e-mails re LTSB I sent you yesteday? Sorry for being impatient!!

Will check emails soon - just a catching up first!

in_to_deep

hi nid
just a quick one sent cca query on 29 march to mbna not had nothing back do i just sit and wait?:D

never-in-doubt

in_to_deep wrote: »

hi nid
just a quick one sent cca query on 29 march to mbna not had nothing back do i just sit and wait?:D

Send this: CCA Reminder

Dojo_Jo_Jo

Hi Niddy,

Trust you had a great well deserved rest up in Bonny Scotland!

Just though I would catch up with you, nothing very exciting I'm afraid (he he he he he :rotfl:), surprise surprise I believe your last letter has left the muppets at Prefence Account Towers speechless! Not heard a sausage from them since I sent it. And no news is good news.

As for the others, they continue to seek me here and seek me there even though they are not supposed to hassle me whilst the enforceability of the CCA's is in dispute. However, with the advantage of modern technology my phones reject them before they ring. I still get letters, reminders and threats, but following your good advice on the legalities of the situation I am not stressed one bit by it. Calm, calm , calm. As soon as they send it to a DCA, off goes another template by recorded delivery. I think the Post Office are doing quite well out of this!!!!!


I sent my first letters to those listed below at the begining of November and have followed your advice to the letter.

So.....

MBNA (account 1) No response to CCA request whatsoever.

MBNA (account 2) Minimised Application form sent to me and a
reconstituted agreement. Illegible Copy template sent.
No response.

Citi Printed Recon Agreement. Template 3.3 sent. Response
received today, standard fob off. Debtors final response
recorded delivery being sent tomorrow.

B'Card Sent terms & conditions, refuse to correspond anymore
as they feel they have met their obligations.:rotfl:
Appropriate template sent. No response.

Preference As per first para

Reflex Zilch, nothing, nada!

B'Loan No CCA received, just a letter asking if we can come to
an arrangement. Ignored.

M & S Have acted promptly and courteously. Sent me a copy
of my original agreement which had all of the prescribed
terms, so all legit. They agreed to a payment plan and
my monthly payments have reduced by two thirds.
My interest is frozen and no default charges can be
applied which means that 100% of my payment comes
off of my debt. Before your advice, only 5% of my
monthly payment was left to reduce the debt, the
balance was lost to interest. If I am able to pay a lump
sum at any point to clear the debt, they will provide a
reduced settlement figure for me.

Cannot thank you enough for your excellent advice and making what appears to be an impossible legal minefield to the average Joe manageable.

If there is any change to the above I will post it here, in the meantime I will continue to enjoy reading this thread with interest and wish everyone
the best of luck with their endeavors.

Big sloppy kiss to you Niddy!:D

sashipoo

I have read this thread with great interest.

Tonight i have contacted CCCS regarding my debt and i am wondering if i should pursue the CCA unenforcment process as i have a card from 2003 with 13.5 k on it. However as i contacted CCCS and haven't had my interview yet am i acknowledging the debt???

Some advice would be great appreciated. I have downloaded letter one and got it ready to post tomorrow with my £1 fee.

Thanks

Alpina

never-in-doubt wrote: »

Thanks for this mate

Thanks for the advise

carol01

hiya n.i.d
can i ask a quick question about r.o.s.o would halifax be able to touch my daughters account (which is with halifax) if the account is in her name but my name is tee mrs xxxx now that i have cca them