Unenforceability & Template Letters III

wish_i_had_a_time_machine

Hi again could you also take a look at this one Aqua credit card taken out 2005 being chased by Albion

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/aqua/45.jpg


http://i901.photobucket.com/albums/ac213/mypicturesonthenet/aqua/008.jpg

Many thanks again !

flo5

Good Evening NID ,

Can l call again on your vast knowledge and words of wisdom sent a cca to moorcroft regarding a credi card debt received the following reply

We refer to your recent letter requesting data as per Section 77-79 Consumer Credit Act 1974.

We duly confirm that we have requested the relevant documentation from our client and once received we will duly forward the same to you. Meanwhile, we duly confirm that all collection activity on the account has been put on hold and we will not seek to enforce payment of this debt until such time as the documentation has been supplied or we have advised you to the contrary.

In the meantime, however, we believe that it may be of assistance to all parties if we also take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation . To this end can you provide an indication of the information you will be relying upon, when giving evidence in court or information to the relevant statutory authorities in relation to the alleged subject matter of this account.

Please could you provide this information by return as this will ensure that all possible areas of dispute are identified as quickly as possible thereby minimizing potential costs and delays.

Do l assume that this is a fishing exercise to see if l will admit the debt, etc. and should l just wait for the CCA to appear?

Many thanks

Rainbow_Liberty

Hi everyone

Sorry not been around for a few days but BF been getting really jealous of the amount of time I'd been spending on the Forums, especially chatting to NIDDY. I keep telling BF exactly where we are up to and the fact I don't even know if Niddy is male/female/hermaphrodite but think he's having an insecurity fit. lol.

I started to trawl everything on my laptop whilst away on holiday (think that annoyed him too -whoops) and then my 28month old daughter fell ontop of my laptop and has bent it slightly, but even worse I've now got awful virus on it that I can't remove, so Im back to the home computer but the internet has been down. Typical.

Anyway back to the debts, doesn't it always come back to that.

Egg, the only one who responded to my CCA request and I last week sent the final letter template too have sold the debt on to a company called Aktiv Kaptial Asset Investment Ltd - I just wanted to double check, as I actually think I might just be about getting the hang of this, but isn't that illegal - that's another template letter of NIDDY's isn't it about selling the debt whilst in dispute. I assume that also means they can't sell the debt after I have written to them the don't contact me again letter as per Niddy's instructions.

Thanks everyone.

Rainbow_Liberty

mojoparrot wrote: »

Makes a difference knowing your not alone though. Its not something I want to discuss with people as it feels so shameful coz its something I caused.

I think most of us feel the same to a certain extent, but as you mentioned depression then it is not necessarily your fault. With depression can come bouts of both mania and manic. From being totally down or on a high. I know, I'm there and it's been alot of the cause of the ostrich syndrome for me. Having a particularly down time at the mo, to the point I struggle to keep awake all day, yet another affect of depression. But I'm starting to make headway - well I think I am and that means alot to me.

As I readily tell people no one would judge it you had a broken leg, cancer or any other illness. They should not judge when it's mental health issues, weight issues or any other kind of issue. We are what we are.

Good luck to you.

carol01

Rainbow_Liberty wrote: »

Hi everyone

Sorry not been around for a few days but BF been getting really jealous of the amount of time I'd been spending on the Forums, especially chatting to NIDDY. I keep telling BF exactly where we are up to and the fact I don't even know if Niddy is male/female/hermaphrodite but think he's having an insecurity fit. lol.

I started to trawl everything on my laptop whilst away on holiday (think that annoyed him too -whoops) and then my 28month old daughter fell ontop of my laptop and has bent it slightly, but even worse I've now got awful virus on it that I can't remove, so Im back to the home computer but the internet has been down. Typical.

Anyway back to the debts, doesn't it always come back to that.

Egg, the only one who responded to my CCA request and I last week sent the final letter template too have sold the debt on to a company called Aktiv Kaptial Asset Investment Ltd - I just wanted to double check, as I actually think I might just be about getting the hang of this, but isn't that illegal - that's another template letter of NIDDY's isn't it about selling the debt whilst in dispute. I assume that also means they can't sell the debt after I have written to them the don't contact me again letter as per Niddy's instructions.

Thanks everyone.

hiya rainbow
sorry to hear your bf was getting jealous, shame he didn't see last night mrs niddy was here and she was very nice indeed hope you sort your laptop out and debts soon
take care

Moobags_2

Hi NID

Could you please advise me what I need to do next

I rec CCA from Egg
I sent CCA query letter which Egg replied to full of legal jargon
I sent CCA final response letter and have now rec a ' Final Notice ' letter (I've emailed it to you )

Many many thanks as always

Rainbow_Liberty

carol01 wrote: »

hiya rainbow
sorry to hear your bf was getting jealous, shame he didn't see last night mrs niddy was here and she was very nice indeed hope you sort your laptop out and debts soon
take care

Unfortunately I missed Mrs Niddy, well at least that tells me whether Niddy is male/female/hermaphrodite lol as I didn't even know that.

As for the laptop, I do have some kind of insurance thing with PC World from when it was bought for me about 18 months ago, going to see if that covers it. Fingers crossed.

Thanks for everything

Utopia

Aw....can't believe I missed Mrs Nid! Is that her user name? He he!
They do say that behind every strong man is a stronger woman!
So I'm thinking she is one Ace chick! What a lucky man you are Mr Nid!

X

handyman123_2

BUMP BACK TO Page 1:j

Locke

wish_i_had_a_time_machine wrote: »

Hi NID
Could you take a look at another CCA for me please
It's for an Abbey card taken out 2004 sold to DLC june 2009 and now Mercantile Data Bureau are chasing

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/abbey/005.jpg

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/abbey/006.jpg

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/abbey/004.jpg

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/abbey/003.jpg

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/abbey/002.jpg

http://i901.photobucket.com/albums/ac213/mypicturesonthenet/abbey/001.jpg

Many thanks

What's going on with the first 2 pictures? Were they on separate pages?