Unenforceability & Template Letters III

never-in-doubt

carol01 wrote: »

hiya n-i-d
i have had a reply back from moorcroft about the letter sent in #1099 to argos
it says....
i write in responce to your recent communication in relation to the above account and can confirm we have been n contact with argos ltd who advised us that the default notice was issued in the 26/01/10 for 115.95 however, this was not paid and the account defaulted on the 24/02/10. the outstanding balance of 1890.00 is correct and is due for payment.
i can also confirm i have placed the account on hold and request you to make immediate contact with our call center to discuss a repayment proposal.
i have letters here and no letter states to pay by a certain date
letter sent on 4/01/10 saying arrears 58.05 your account has been stopped to prevent further use and must make immediate payment of 58.05 ( 1 month) if you don't take this opportunity to clear the arrears a default notice will be served on you.
then on 15/01/10 i had my statement through stating i have missed 2 payments please pay 115.95 (i paid 70.00 on 25/01/10 and then i paid 80.00 on 23/02/10 )hope this makes sense so i had 115.95 + 59.60 =175.55. but i paid 70.00 + 80.00=150.00 so iam i right in saying my default was for 25.55 and should i respond to this or leave it and cca them instead
sorry so long

I'll sort this tomorrow for you, i'm slightly confused so will have to search back through your posts to find the links - what, exactly, is happening? Is this an account you are paying off, but they have incorrectly defaulted you with? Please summarise if you get time! Makes my life easier. :D

Edit - on second thoughts:
Regards to your figures above, if the lender issues a pre default notice saying pay £XX then you MUST pay it or they will default you, you cannot just pay £70 and think, oh - they'll be fine with that - you needed authority that they were happy to accept £70 only. Therefore, the DN that was served to you for the £115.95 had to be paid by the date declared (usually 14 days) - otherwise they would default you, as the DCA correctly state - it was not paid and so they defaulted you.

Your amounts don't add up, you had to clear the £115.95 before 2 weeks - you only paid £70 then a further £80 a month later - this was not agreed and so really, you're fighting a losing battle.... you should be ringing and speaking to argos to be fair, ONLY they can help......

fedupwiththeworry

#3022

Thanks

flo5

Hi NID

Re #3021
Many thanks will wait to hear from you - Many thanks

Flo5

I_Love_Crisps

Hi Nid, this glorious day has just been ruined by another letter from Capital One, they have sent my application form again, and more threats...please have a look in your email please....:(

never-in-doubt

I_Love_Crisps wrote: »

Hi Nid, this glorious day has just been ruined by another letter from Capital One, they have sent my application form again, and more threats...please have a look in your email please....:(

If they send an app form you simply respond with the relevant template from page 1 (CCA Query ) - let them make threats, so what - they cannot do anything!!

I'll check emails in morning, am away to go to pub - don't worry and don't let them get to you, the sun beats a letter from them shysters any day of the week! Just send the above back, or hold fire til tomorrow when I check emails. :beer:

Numpty_Monkey

never-in-doubt wrote: »

Hiya

I'm off today as well, need to get back to my second home (:beer::beer:)

Will be here tomorrow all day so will catch up on everything then I s'pose!

Its too hot - must cut the grass and have a few pints!!

you drunken bum:p

I'm not jealous at all, in any way

maz1964

Afternoon everyone,

i hope the sun is shining for all - i will wait for you to get back to me tomorrow no worries niddy re my rear of the halifax so that i can safely get that letter out for sure, trust me im on a steep learning curve but im gaining with confidence each day and that is thanks to you, your templates and letters and huge help and for everyones support here, THANK YOU

have a beer all :beer:

MAZ

never-in-doubt

maz1964 wrote: »

Afternoon everyone,

i hope the sun is shining for all - i will wait for you to get back to me tomorrow no worries niddy re my rear of the halifax so that i can safely get that letter out for sure, trust me im on a steep learning curve but im gaining with confidence each day and that is thanks to you, your templates and letters and huge help and for everyones support here,

Hi Maz

Just replied to you, via email. You need to check the original they sent you cos the page you just emailed me clearly shows the original reverse, i.e. "for your signature" - does that match page 1 that you sent in the past?

I'll be back later/tomorrow (using iPhone)....

Regardless of the answer, just send what I advised previously, either way it doesn't change anything.....;)

Enjoy the sun everyone :beer::beer::beer:

never-in-doubt

Numpty_Monkey wrote: »

you drunken bum:p

I'm not jealous at all, in any way

Hi mate

I'm over in the posh part of Leeds (is there one?)..... beer gardens smell of manure instead of city slime :rotfl::rotfl::rotfl:

Off to finish my pint and have a quick smoke - ahhhhh, now who's jealous? :eek::beer:

Numpty_Monkey

never-in-doubt wrote: »

Hi mate

I'm over in the posh part of Leeds (is there one?)..... beer gardens smell of manure instead of city slime :rotfl::rotfl::rotfl:

Off to finish my pint and have a quick smoke - ahhhhh, now who's jealous? :eek::beer:

Burger me you found it:eek::eek::eek::eek::eek: