Unenforceability & Template Letters III

garwil

Hi again!!
The account has already been passed from Barclay card to Mercers - so you advise not to phone them but put my offer for repayments in writing to Mercers?
i would rather write to them anyway - then they cant talk me into something i dont want to do:D.

Thanks again:T

scarednshakin

Morning Niddy

Got a response to LLoyds CC, hubby sent copy to you a couple of weeks ago, copy was really fuzzy so sent out CCA Query.

Got Final Response from them this morning, take it I just send out Final Response to them. Think I am getting the hang of this but wanted to check with Lord Niddy Mrs SNS

never-in-doubt

scarednshakin wrote: »

Morning Niddy

Got a response to LLoyds CC, hubby sent copy to you a couple of weeks ago, copy was really fuzzy so sent out CCA Query.

Got Final Response from them this morning, take it I just send out Final Response to them. Think I am getting the hang of this but wanted to check with Lord Niddy Mrs SNS

Hiya

Lord Niddy indeedio!:rotfl: :rotfl: :rotfl:

Send the final response cca received template yes.

scarednshakin

never-in-doubt wrote: »

Hiya

Lord Niddy indeedio!:rotfl: :rotfl: :rotfl:

Send the final response cca received template yes.

Thank you kindly will get it sent out today

scarednshakin

Hi Niddy, tis me again, thought you might find this amusing. Went to send out letter to Lloyds and as I was reading over the letter they sent me I noticed that banks can now see into the future

The letter says 'As stated in our dated 19 July 2010'. Mentions this letter a couple of times, also where it refers to my account number they have got one of the last 4 digits wrong. Does make you wonder if they actually look at anything they send out :rotfl::rotfl::rotfl:

elsie52

Hiya Niddy, and everyone else.

Hope you are all enjoying the sunshine, or what bit of it you may have seen Niddy 'cos you were working.!! :beer:

5 weeks since CCA sent out

Barclaycard x 2
Lloyds x 1
Clydesdale x 1

and still not heard nothing,.......but that's okay with me ' cos I'm not paying.!! I know they have received my request, 'cos I have tracked them with PO, so I've now got fingers and toes crossed that they can't find any CCA.:D

Have a good day everyone:j

BigCraigJohn

scarednshakin wrote: »

Does make you wonder if they actually look at anything they send out :rotfl::rotfl::rotfl:

And in my experience they are 1 of the better organised. :eek:

Ps I hear theyve just purchased this as there latest piece of equipment

http://cgi.ebay.co.uk/CRYSTAL-BALL---150MM-WITH-STAND---BRAND-NEW!_W0QQitemZ160421070421QQcmdZViewItem?rvr_id=&rvr_id=&cguid=a8f8962e1280a0e2025145a1ff4d6bab

Graeme.Watt

8 years ago i went through a debt management company called APEX debt solutions, 5 years later i left them and took it over my self, the only people i had to pay were credit solutions limited, i have now being paying them for 3 years for two accounts, one is a Barclay Loan and the other is a Barclay Card. It appears that Barclays still own the debt and have not sold it on.

I have recently sent a request for information based on what ive read in these forums for unenforceability as i have not had a statement off them for 3 years, i have received a response from credit solutions for the Barclay Loan account saying they have requested the information from Barclays and will forward the information as soon as they receive it. In this case does the 12+2 days still apply before i send the next letter? and do Barclays still have to reply within the timescale from the date on the letter i first sent?.

If i hear nothing more from either do i send them the reminder and cease payment?

Not sure if i can do anything about the lack of statements from these people?

Has anyone else has experience of this from Credit Solutions and if so what happened?

sorry if this has already been answered elsewhere.

Many thanks in advance

Graeme

scarednshakin

BigCraigJohn wrote: »

And in my experience they are 1 of the better organised. :eek:

Ps I hear theyve just purchased this as there latest piece of equipment

http://cgi.ebay.co.uk/CRYSTAL-BALL---150MM-WITH-STAND---BRAND-NEW!_W0QQitemZ160421070421QQcmdZViewItem?rvr_id=&rvr_id=&cguid=a8f8962e1280a0e2025145a1ff4d6bab

I just love that :rotfl::rotfl::rotfl::rotfl: I can just see them sitting in the office gazing hopefully into the crystal ball Mrs SNS

BorassicLint

Back you go Fred to page 1!!