Unenforceability & Template Letters III

BorassicLint

Soooo Sorry!

I did tell you in the beginning that I had the original agreement and you asked me to send it to you seperately from what I had received, which I did, hence 1 of 4etc and 1 of 1(being the original):o

scarednshakin

Got letter from Monument today and they have issued Final Response and will not enter into any more discussion about the account - so I take it this is stalement on this account - YIPPEE :beer:

Cheers Niddy n keep up the good work

never-in-doubt

BorassicLint wrote: »

Soooo Sorry!

I did tell you in the beginning that I had the original agreement and you asked me to send it to you seperately from what I had received, which I did, hence 1 of 4etc and 1 of 1(being the original):o

Hiya - send this back: CCA Query - Terms & Conditions Supplied - See what they come back with.

BorassicLint

Hiya,

Thanks will do, sorry for any confusion and thanks for the lifeline!!:beer:

never-in-doubt

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).

It is enforceable though, it has the rates, the loan amount and the repayments plus signed by both you and them. Sorry.

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.

Likewise, it is enforceable because you have signed, as have they, and you agree to the terms & conditions. You can argue til the cows come home, that the terms are the most recent - all they have failed on is providing the terms in place at outset, but they will send you them anyway.

Basically, sorry to say you have 2 enforceable agreements with these.

roadster

Hi Mate

Hope all well with you, did you get a chance to look over the CCA's i sent over, praying they are a load of carp.

Cheers Mate

BeenieCat

never-in-doubt wrote: »

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

Oops Sorry i should have said - this is the first i've heard of Lowells, been sending everything to SDG

never-in-doubt

BeenieCat wrote: »

Oops Sorry i should have said - this is the first i've heard of Lowells, been sending everything to SDG

Hiya Beenie - Ok, all you need to do is to send a copy of the final response to Lowells (i.e. a copy of what you posted earlier to SDG) - along with this: Account sold whilst in Default of CCA Request


:beer:

Rainbow_Liberty

Hope you had a fab time away last weekend, we arrived back from Isle of Wight today, only home overnight then away again till Monday (hopefully)

Couple of letters had arrived for me whilst away but the one I'd like you to look at please Nid is the Egg CCA I've had to copy it as two images as don't know if there was a way to do an entire document.

I've PM'd the links to you via imageshack (hopefully)

Greekous

never-in-doubt wrote: »

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

Ok Nid's thanks. Slowly getting the hang of things, top draw as always Nid's:beer: