Unenforceability & Template Letters III

never-in-doubt

scarednshakin wrote: »

Also sent you an email a few days ago about a LLoyds online loan agreement not sure if you have had time to look at it yet, thanks again

Hiya

I got the email but it is way too small and when I try and enlarge - everything goes blurry! Like when Niddy is wasted

Sooo, going on what I can see, there are no signatures from either of you or the lender - were these blocked out by you or are they missing? Was it an online account, i.e. tick-in-the-box, maybe?

Without close up copies i'm afraid I can't really help much as they are way way too small.....

Locke

never-in-doubt wrote: »

Refusal by Lender/DCA to accept Unenforceability

Nice one NID I'll get this off to the Halifax this afternoon.:D

never-in-doubt

Locke wrote: »

Nice one NID I'll get this off to the Halifax this afternoon.:D

LOL, don't waste any time mate

Thought they'd come in handy, as a lot of same requests are coming through.....

swanfan02

Excellent new templates Niddy, You're a star!:T:T:T

scarednshakin

never-in-doubt wrote: »

Hiya

I got the email but it is way too small and when I try and enlarge - everything goes blurry! Like when Niddy is wasted

Sooo, going on what I can see, there are no signatures from either of you or the lender - were these blocked out by you or are they missing? Was it an online account, i.e. tick-in-the-box, maybe?

Without close up copies i'm afraid I can't really help much as they are way way too small.....

Morning Niddy, thanks for reply. He tried to scan them before he went away. I will try again and see how they come out.

Love the new templates. You work way too hard, but we appreciate it. Thanks again Mrs SNS

Lyndzzz

ashmuir wrote: »

Hello you lovely scouser you! £4500 I owed them, now just to sit back and wait 6 years :cool:

Awesome!! im doing the same with Lloyds, 5 grand.
5 years 361 days to go :cool::cool::cool:
Lynds xx

Mateusrojo

never-in-doubt wrote: »

Hiya

Link to letter is here: #1047

Ok, that letter was to get them to respond without a signature. Regards to why I am saying what they did eventually send, is unenforceable - can you see any signatures? Can you see your name and address? Can you see your credit limit? There are no default fees on the document or anything - it's literally some terms that they can add your name and address to - that is no proof that you've ever seen/read/touched them!!

Don't worry, you do not ever have to explain why you think it is UE - it is for them, the lender to prove to you that it is enforceable (which it isn't, so they can't) and you want a signed copy so you now respond with this: CCA Query - Terms & Conditions Supplied

Total confusion - until I recheckd post and realised that I had only posted one page and not the album (sadly two pages!) Please take another look here: http://s800.photobucket.com/albums/yy290/mateusrojo/MandS/

Many thanks - and I hope it is still unenforceable - but the extra page contains some of the things you have refered to ?

Also had made a further post #2885 with the link to the sainsburys letter which you had asked to see - if you could also look at this I would be grateful (how, btw, do you post a link so that it is "active"

To assist the letter is here: http://s800.photobucket.com/albums/yy290/mateusrojo/Sainsbury/

Thanks again Nid for your help - other letters sent as advised.

midastouched_2

RE: #2920

Thanks Niddy - that's great!

I'll send it out today.

:beer:

ccqueen

Morning,

Hope NID can assist me with this one.

I have a default on my credit file from 3G and got letters from Lowells chasing a balance of £280 from 2005.

I wrote and asked for a copy statement evidence the account was mine as I am unsure it is.

Also requested a copy of the default as never received one and only knew anything about it when i got my credit file.

Now every couple of weeks I am getting a letter from Lowells advising they are trying to obtain copies of the paperwork and that my account is on hold and they will get back to me.

Is there anything i can do other than wait? I must of had 5 or 6 letters now telling me the same thing that they are trying to obtain the copies.

I just want them off my credit file

hope you can help.

Slickfm

Just a big 'HELLO' all, nothing further to report as of yet!!:)

Great new templates 'NIDDY' your a legend and an inspiration to us all.:T:T:T:T:T:T