Unenforceability & Template Letters III

never-in-doubt

mojoparrot wrote: »

Here I am NID you ok?

Hiya

Yea i'm good - how are you? See my post above, don't be worrying ok - we'll have this sorted for you in a jiffy :D Just wait for 10past6 to come back to you and see what he suggests.....

Have the weekend off, but obv come in and see if we need anything clarifying - but seriously, nothing will change before Monday so don't be sat worried all weekend...

monlou

Thanks Nid

will send this letter out
cheers:j

never-in-doubt wrote: »

Monlou,

Further to your email, the barclaycard letter you received was the same as this right - http://forums.moneysavingexpert.com/showpost.html?p=31177837&postcount=1041

Ive seen it several times before :rotfl::rotfl: - respond with this:

mojoparrot

never-in-doubt wrote: »

Hiya

Send 10past6 a PM and when he's online later he'll respond to you, this is where I hand the reigns to him - he is the best person to advise on the defence.... I'd be happier just sitting back and letting him advise you on this, trust me - he's good ;)

He tends to come on here through the night so the more info you give the easier it is for him to respond in one go - obviously send him a PM with anything too private for here.... he's fine with it, just be patient cos he does get a lot of queries - as I do

Whatever you do, don't worry - you're in extremely safe hands...

Sorry for later post am still catching up.:o

Have sent 10past a PM will just hang around and wait. Feeling glad that I've got to this stage now.

JUST TO SAY...

THANKS NID FOR ALL YOUR SUPPORT SO FAR I CANT THANK YOU ENOUGH
:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

Mojo:D

jinny

never-in-doubt wrote: »

Hi Jinny

Ok, i'll sort you a letter to send them tomorrow - no more being nice, time to report them so i'll update this in morning for you (quite early)...

thanks nid no hurry lad owe you a pint or two when I nail these lovely lowells bums to the wall;)

mojoparrot

never-in-doubt wrote: »

Hiya

Yea i'm good - how are you? See my post above, don't be worrying ok - we'll have this sorted for you in a jiffy :D Just wait for 10past6 to come back to you and see what he suggests.....

Have the weekend off, but obv come in and see if we need anything clarifying - but seriously, nothing will change before Monday so don't be sat worried all weekend...

No I wont Im over the scare now thanks....

....my new favourate icon.....:grouphug:

LOL thanks NID... .....more conventional icon.....:T:T:T

Mojo:D

never-in-doubt

jinny wrote: »

thanks nid no hurry lad owe you a pint or two when I nail these lovely lowells bums to the wall;)

jinny wrote: »

as I had another call from lowells at work today Im sure that must be illegall...!

Hiya Jinny

Send this back to them....... - lets see what they say to this! :rotfl:

Dear Sirs,

Account No: XXXXXXXX

I refer to previous correspondence regarding the above numbered account, and your lack of diligence in dealing with my formal demands to cease calling me at my place of work.

This is now my final warning to you, I have sent you several letters to date - telling you this alleged account is unenforceable until you can provide me an original photocopy of the alleged signed agreement. To date you have failed to comply with my statutory request and have defaulted in respect of this account. Additionally this alleged agreement is in dispute and will remain so until such time as you come out of default or it is enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as your default is revoked.

Therefore the fact you are continually calling me at my place of work proves you have no respect for legislation set out by the Office of Fair Trading (OFT) which clearly states that you cannot cause me embarassment, harass me or pursue a disputed debt. Which area of your own Debt Collection Policies do you not understand, and I will spell it out for you?

I demand that these calls cease effective immediately, any further breaches will result in my seeking a judgement order against you as well as claiming compensation and all costs for my breakdown and possible loss of occupation as a result of your intimidating and harassing calls, at my place of employment.

I await your prompt response.

Yours faithfully



Sign digitally

BorassicLint

dibs69 wrote: »

Hi BorassicLint i have been waiting 3 months with Lloyds same letters as you, i live in hope, looke good from your side

Hi dibs,

Thanks for this, we will have to keep our fingers crossed for the next 6 years:rotfl:

swanfan02

mojoparrot wrote: »

No I wont Im over the scare now thanks....

....my new favourate icon.....:grouphug:

LOL thanks NID... .....more conventional icon.....:T:T:T

Mojo:D

Hi Mojo, try not to worry easier said than done i know. Hope it works out for you, Niddy & 10past6 are the best. And your fav icon.:grouphug:

10past6

Hi Mojo

mojoparrot wrote: »

Have sent 10past a PM will just hang around and wait.

The instruction what you need to do are in the thread i referred you to earlier.

For now, you MUST acknowledge the claim that's all you need to do at this stage.

I need some answers please, PRIOR to receiving the court claim, did you receive a default letter and termination letter from the claimant?

If so, please scan them up and send them via PM so I can view the legality of them, if you're unable to scan / PM me the documents, send them to Nids he'll forward them onto me.

Locke

Busy day on here by the looks of it!

I sent the CCA Query back to Capital one as instructed in post #2191 and they've just sent back a standard reply saying they are sorry I'm not happy (yeah right) and they will look into my complaint, funnily enough they sent the exact same letter when I complained about the phone calls!

Should I just leave it with them for now to see what they come back with?