Unenforceability & Template Letters III

AL2009_2

Hello NID & Co....

After following these treads for a long time, finally got the courage to sent a few CCA requests.

Two of the requests have came back;

Nothern Rock: Originally taken with the mortgage (NR together mortgage) now the mortgage is with another lender and the loan part still remains with NRock.
They sent me a copy of the CCA. Just one page (I have a link to it below).


Marks & Spencer: They sent me a generic CCA (I guess their latest edition) with no personal details & 2 sheets of the original. The first sheet seems to me as if it's an application form.
The second sheet has headings, section 5 (financial and related products) to section 9 (charges and defaults). It seems like they have missed a page with sections 1-4.

s1046.photobucket.com/albums/b461/AL20091/CCA/


If you could have a look and confirm whether they are enforceable or not, I would be very grateful.


Thanks
Al

Greekous

Hi Niddy,

I've had a response from the Halifax, they have sent me a copy of my credit card application form from 1999. This is not my CCA is it??

Thanks

Utopia

Morning Friends,

Progress so far per #2021 page102

1. Lloyds TSB: Final Response declining the complaint and referring me to FOS.

As I had previously sent the Debtors Final Response letter per #1444, I will not be doing anything further with this and sending the relevant letters if and when they sell it to a DCA. Anything more serious I will post here.

2. Marks & Spencers: Per #2044 I have sent the CCA Query letter.

3. (Adams)Sears/Creation card: Similar to Mojoparrot and jadex they sent a very bad copy of the agreement therefore I have responded with the Illegible Copy Document letter.

Hope I've done right so far.

Have a wonderful weekend guys.

X

BeenieCat

Sooo... Littlewoods/Very (SDG) sent a blank CCA cos they couldn't find it.

I have only just posted the final response (i've been so slow at getting the last lot of eltters out ).

Got a letter and an email from a DCA today saying this

Lowell Reference Number: xxxxx (Please quote on all communications)
Original Company: Littlewoods Direct
Original Account Number: xxxxxx

Account Balance: £780.74

Dear Miss xxxxx,
We wrote to you recently regarding your debt that has been purchased by Lowell Portfolio I Ltd from Littlewoods Direct.

Please call 0113 308 6085 today regarding the outstanding debt due to our above client.

We are not aware of any reason why your debt should remain unpaid. It is therefore very important that you contact us as soon as possible so that we can agree repayment. If you cannot afford to pay back the money in one go we will allow you to pay this monthly by direct debit. You could be entitled to re-pay as little as £1 per day should your circumstances warrant it. Please call an account manager today so that we can bring this matter to a close.

Yours sincerely,

Robert xxxxx

Collections Manager

Lowell Financial Ltd

Moobags_2

Hi NID

I have rec CCA's in respect of two store cards taken out with The First Personal Bank plc which are now administered by Santander . I would be very grateful if I could send them to you so you can run your expert eye over them before I accept they are enforceable

Many thanks x

BorassicLint

Hi NID,

I know you're bogged under with e-mails but have you had a chance to cast your expert eye over the one's I sent you re LTSB yet? Don't want to drive you mad or anything but am eagerly waiting for you to tell me it's unenforecable!!:beer:

never-in-doubt

BorassicLint wrote: »

Hi NID,

I know you're bogged under with e-mails but have you had a chance to cast your expert eye over the one's I sent you re LTSB yet? Don't want to drive you mad or anything but am eagerly waiting for you to tell me it's unenforecable!!:beer:

Stay online - i'll check now for you

Edit: Ive checked it, looks good to me

Check your emails for options now.

BorassicLint

Hi NID

Greatly appreciated, Thanks.:j


Edit: Checked e-mail, what a bummer was hoping that it was as useless as useless can be as they are such a pain to deal with!! Don't think it's worth blagging it so will have to go crawling back to them with my tail between my legs!! Thanks for your help, will be back soon with some more for your expert opinion!!.

never-in-doubt

Moobags wrote: »

Hi NID

I have rec CCA's in respect of two store cards taken out with The First Personal Bank plc which are now administered by Santander . I would be very grateful if I could send them to you so you can run your expert eye over them before I accept they are enforceable

Many thanks x

Ive just PM'd my email address to you.....

never-in-doubt

BeenieCat wrote: »

Sooo... Littlewoods/Very (SDG) sent a blank CCA cos they couldn't find it.

I have only just posted the final response (i've been so slow at getting the last lot of eltters out ).

Got a letter and an email from a DCA today saying this

Who did you send final respnse to? I assume it was Lowells?