Unenforceability & Template Letters III

scarednshakin

Morning Niddy, images of Supergran are going round in my head now :eek::eek:

Anyhoo got final response from BOS Preference Acc, they 'decline my complaint' and this account is not a CC it uses 'Credit card/store card notation with credit refernce agencies as there are only a set number of categories into whaich an account can be classified' Then goes on to claim that 'this categfory is the one with the closest fit to the Pref Acc even although the account's credit facility is accessed via debit card'

Don't know if you want me to e-mail it to you or will I just send out my Final Response to them?

Cheers mate :beer:

never-in-doubt

scarednshakin wrote: »

Morning Niddy, images of Supergran are going round in my head now :eek::eek:

Anyhoo got final response from BOS Preference Acc, they 'decline my complaint' and this account is not a CC it uses 'Credit card/store card notation with credit refernce agencies as there are only a set number of categories into whaich an account can be classified' Then goes on to claim that 'this categfory is the one with the closest fit to the Pref Acc even although the account's credit facility is accessed via debit card'

Don't know if you want me to e-mail it to you or will I just send out my Final Response to them?

Cheers mate :beer:

Hi matey - seen it before, and argued this with them before. It is a credit based account compliant with CCA 1974 - whether they like it or not! :rotfl:

Just fire off a final response - CCA Received

scarednshakin

Ok, will get that in the post today, have a great day

elsie52

Hi Niddy,

Just received our first CCA request reply from Cahoot Flexible Loan, along with 20+ pages of T & C's.

Would you please have a look and let me know what you think. I have looked at the Prescribed Terms,bu t I can't decide whether its enforceable or not because it does not have a credit limit on. Thanks very much. I have removed all personal details.

broccoli9

Hi Niddy,

Very many thanks for email address - I have sent you copies of the last two letters from Cap1 aswell as the copy of application form they sent and the blank aggreement which was on the back of one of them.

Fingers crossed here!!!

Broccoli9

I_Love_Crisps

Hi Nid, nice to see your still doing such a sterling job...got my final letter from Capital One this week saying the account is closed and I must now pay, couple of months ago you took a look and it was unenforceable, to this date they have still not sent correct paper work....

But now Debitas have sent there first threats, saying I have three days to pay! what do I do here m8? ignore and just await more calls?

Thanks in advance...

BorassicLint

never-in-doubt wrote: »

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

Hi NID,

Just to update you on my LTSB CCA, I have received a standard response today just saying thanks for your complaint etc. we will respond within 28 days. Will keep you informed. Thanks.:)

never-in-doubt

I_Love_Crisps wrote: »

Hi Nid, nice to see your still doing such a sterling job...got my final letter from Capital One this week saying the account is closed and I must now pay, couple of months ago you took a look and it was unenforceable, to this date they have still not sent correct paper work....

But now Debitas have sent there first threats, saying I have three days to pay! what do I do here m8? ignore and just await more calls?

Thanks in advance...

Hiya

send this to debitas with a copy of the last letter you sent to Crappy One: Account sold whilst in Default of CCA Request

The 3 day threat is just that, a silly silly threat that should be :rotfl: at!

BeenieCat

BeenieCat wrote: »

..Barclaycard......
Do you want me to post the letter up?

Locke wrote: »

A letter saying "Thank you for requesting a copy of your Terms & Conditions" will be through in a few days.:D

LOL, you're psychic Locke I got it today :rotfl:

Niddy - this next? >> 3.2 - CCA Query - Terms & Conditions Supplied;

scarednshakin

Hi again Niddy, just been to local LLoyds, would not send out CCA as I no longer have an account with them - go figure :think:.

Anyway collected my CCA for online loan that was taken out in 2006, ok to email it to you? There are 6 pages, do you need to see them all? Ta