Unenforceability & Template Letters III

in_to_deep

NittyGritty wrote: »

thanks, will it get signed tho if its a PO box?

mine did:rotfl:

never-in-doubt

BorassicLint wrote: »

Hi NID :wave:,

I posted yesterday re my LTSB as received letter saying they would reply within 28 days. Today I have received 2 copies of the same letter - Final Response - briefly

Don't agree with complaint
Can't locate original so can't provide it
As I have drawn and paid on account this makes it enforceable
etc.

No doubt you've seen these before, do I now send Debtor's Final Response - No CAA Received? (sorry don't know how to do the link thing)

I must say they are very quick off the mark at replying!

Thanks for your time:beer:

Hiya

yes send the final response - No CCA to them, they need this to enforce anything - muppets! :rotfl:

monlou

Afternoon Nid

My mum received a reply today from Barclaycard I have just scanned a copy to your email. was wondering if you could have a look and advise the next course of action thanks

Monlou

never-in-doubt wrote: »

Don't you worry about it, we'll get that down a lot....

Send the CCA Requests and see what transpires.

never-in-doubt

broccoli9 wrote: »

Nid - Fab news thanksalot!

I know this one is only £600 but tis only the tip of the iceburg of our £70,000 debt (EEEEK!)

The fact that I know that this one is unenforceable just gives me a massive amount of hope for the other ones. We still havent heard from our marbles ones and there are two of them which add up to £22,000 between them. Keeping my fingers firmly crossed with those ones!!!

Have only tackled 6 debts so far, 3 with Rob Way and 3 with Capquest....This is first one we have had comfirmed (by you) UE but seeing as havent received anything so far on others since beg March I'm getting more and more hopeful!

Cap one have told us that they wont enter into any further correspondance with us - and we have also sent them final response twice on your advice.....So you say to send them CCA Query....after all the letters already sent at this stage is this still okay??

As always - thankyou for your invaluable help - you really are something you know!!!

Broccoli9

Hiya

Ooooer, I never knew you were in sooooo deep mate

We'll get these sorted for you, no probs..... as for the reply, nope - if you have sent a final response then ignore them now. It is and will remain unenforceable unless they send the original compliant CCA like you originally requested.....

nanna58

Hi NId

could you plz advise.Original card Monument taken over by Barcleycard.
Have been paying and paying and paying .......not coming down.
As i would have signed with monument(if if did)would it be OK to CCa
bcard.
Also i requested my statments for 6yrs from them and they sent back to 2006
which was when they took over from monument so i do not have info from before that time.I am noticing also that they charge an annual account handling fee which i know i have not agreed to.

I understand if you are very busy at the moment but thanx anyway

never-in-doubt

nanna58 wrote: »

Hi NId

could you plz advise.Original card Monument taken over by Barcleycard.
Have been paying and paying and paying .......not coming down.
As i would have signed with monument(if if did)would it be OK to CCa
bcard.
Also i requested my statments for 6yrs from them and they sent back to 2006
which was when they took over from monument so i do not have info from before that time.I am noticing also that they charge an annual account handling fee which i know i have not agreed to.

I understand if you are very busy at the moment but thanx anyway

Hiya
CCA the debt owner (BC) and don't worry about the statements, if it is UE (high possibility here) then you'd not pay anything back anyway, so no problem really. What is the o/s balance?

nanna58

Hi nid
old lady coming thru is the o/s balance the card balance? if it is its 4,476.70
thats with interest. i am paying now thru mercers at 50.00 month
thanx

never-in-doubt

nanna58 wrote: »

Hi nid
old lady coming thru is the o/s balance the card balance? if it is its 4,476.70
thats with interest. i am paying now thru mercers at 50.00 month
thanx

Hiya thats right - just wondered what it was. So send a CCA and see what happens yea?

nanna58

Will you marry me? :Dnot loaded tho:eek:

dibs69

nanna58 wrote: »

Will you marry me? :Dnot loaded tho:eek:

Hi nid, not often you get asked that on here :rotfl: