Unenforceability & Template Letters III

never-in-doubt

mojoparrot wrote: »

Have received arrears notice today (now 2 months in arrears) and statement showing payments and charges.:(

What next? Wait and see?
Thankyou as always
Mojo:D

Yep - just sit tight.... statements will continue, ideally you want them to sell the debt and default you - you knew this would happen anyway..... at which point it's easier to fight. Right now citi are playing daft sods - let them add charges and default you, it is still unenforceable

never-in-doubt

mojoparrot wrote: »

Hey NID
Heres no 2:o

My mums M&S card:
CCA request sent......M&S responded by sending someone elses' document by special delivery
Sent letter responding that they had failed to comply with request and had sent someone elses' document.
M&S responded by writing to ask mum to sign a confidentiality agreement and to return the document.... Ignored this!
CCA reminder letter sent....CCA retruned but forged document
Sent http://forums.moneysavingexpert.com/showpost.php?p=32587217&postcount=2503

Today she has received a default notice threatening legal action
Next move?
Thankyou again :T:T
Mojo:D

As above - just sit tight, nothing to panic over (yet)....

never-in-doubt

mojoparrot wrote: »

Just wait and see if they sell it? then send out sold while in request of CCA?
Thankyou again...are your temples starting to throb?:o Mine are!:o
Mojo:D

Hiya

as above two responses just sit tight....... :D

never-in-doubt

swanfan02 wrote: »

Thanks Niddy, have your email anyway. Will be sunday before i can scan & email you as i am working + don't have a scanner. Will use a friends, hopefully sat night. Now off to the pub, so laters!:beer::beer:

Have a good un at the pub, i'm going back to it - logging off, back in morning bright and early :beer::beer:

mojoparrot

Hi NID number 4:j

This is an Argos card that was passed to Moorcroft....
Sent CCA request... no response
CCA reminder ...Moorcroft wrote putting account on hold until they were able to obtain a CCA.
No response after 30 days sent CCA dispute letter
Received letter from Moorcroft with CCA attatched (nothing else).
I have cheekily scanned the agreement and emailed to you would you have a look and see what you think?:o
Thankyou very much again:o
Mojo:D

never-in-doubt

mojoparrot wrote: »

I have cheekily scanned the agreement and emailed to you would you have a look and see what you think?:o
Thankyou very much again:o
Mojo:D

Will check tomorrow yea? It's my day of rest and you decide to "spring clean" - cheers :rotfl::rotfl:

Niddy is off back to the pub (where he belongs) :beer::beer::beer:

mojoparrot

Only me NID:o
I have received an agreement from M & S for a personal reserve CC.
Enclosed is the agreement/application
A photocopy of original terms
A photocopy of terms since 2008.

I have emailed the CCA let me please would you check this for me?

thanks once again:o:o:o
Mojo:D

Rainbow_Liberty

Hi NID not had chance to scan them in yet but received a photocopy of my loan agreement this morning from Barclaysloan. Its signed and everything with my signature and this one is for the big amount.

Thing is, this is registered as defaulted in May 2005 and I can't afford to pay it back anyway but where does this leave me now

cejsmith

never-in-doubt wrote: »

That is awful - plus the bottom part is an addition, not part of the original - send this for now and see what they say: CCA Query

Thanks which version should I send?

pebbles88

quick question my lovlies,

i have proof in writing from the fos that natcrap do not have the cca for an a/c... to completely stop paying is it this letter i should send???

http://forums.moneysavingexpert.com/showpost.php?p=30356157&postcount=15