Unenforceability & Template Letters III

never-in-doubt

AL2009 wrote: »

Hello NID & Co....

:wave::wave:

AL2009 wrote: »

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).

No link showing, it would be better if you could email me them - check your PM's as i've sent you my email address....

AL2009 wrote: »

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.

As above - email me them if you could - cheers.....

:beer:

never-in-doubt

Greekous wrote: »

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

No, it is not. Send the CCA Query Template from page 1.

They_Were_Up_In_Arms

never-in-doubt

Utopia wrote: »

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.

Yes - sit and wait, see what they decide to do, if anything

Utopia wrote: »

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

Excellent......

Utopia wrote: »

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.

Well done, you're getting the hang of it

Utopia wrote: »

Hope I've done right so far.

Spot on - well done :T

Moobags_2

never-in-doubt wrote: »

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

I've emailed you the CCA's

Many thanks for all your help :beer:

never-in-doubt

They_Were_Up_In_Arms wrote: »

Hi mate - love the smiley - :rotfl: :rotfl: :rotfl:

I reply to you in twitter last night, did you see it? Here :beer:

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

Hiya

Both are fine - sorry... you may have to either blag it and send the CCA Query letter, see what they come back with - or arrange a repayment schedule. Suffice to say, both forms are signed with the prescribed terms clearly visible along with the lender signature and credit limit - in fact they are 2 of the best (or foolproof) CCA's i've seen in a while. Granted, they are applications, but still - they are quite clear and hard to get out of i'm afraid.

Niddy

BorassicLint

Hi NID,

Sorry just a thought, in the e-mail you sent me the attachment was the original agreement that I have not what LTSB sent me, so is the outcome still the same?:o

never-in-doubt

BorassicLint wrote: »

Hi NID,

Sorry just a thought, in the e-mail you sent me the attachment was the original agreement that I have not what LTSB sent me, so is the outcome still the same?:o

Why would you send me an agreement that you have!! Obviously that changes things - I dont care (in the nicest possible way) what YOU have - it is what THEY have that matters!

I'll need to go through it all again, i've onbviously seen that and made the decision based on that and that alone!

Give me ten mins (again!)

Moobags_2

never-in-doubt wrote: »

Hiya

Both are fine - sorry... you may have to either blag it and send the CCA Query letter, see what they come back with - or arrange a repayment schedule. Suffice to say, both forms are signed with the prescribed terms clearly visible along with the lender signature and credit limit - in fact they are 2 of the best (or foolproof) CCA's i've seen in a while. Granted, they are applications, but still - they are quite clear and hard to get out of i'm afraid.

Niddy

You have confirmed what I thought lol

Thank you for all your help x