Unenforceability & Template Letters III

jen_br

LOL we always have room for ONE more in the pity party!! lol and now i feel super BAD for calling swanfan swimfan lol.. SORRRYYY and I kinda like swansea they have a hot player there lol

libbyjade

never-in-doubt wrote: »

Hiya mate

Oooops I feel really bad cos i've just realised I have an email from you (at work) plus texts that i've not replied to - sorry mate, will buy you plenty of beers in June or give you a big Niddy Bifty Special - one of the two

Hows it going? Will text you soon actually, did you watch the darts last night? Impressive taylor I must admit!

Ermmm, yea i'll add something to the FAQ's cheers but to be fair not many people read them cos they are on page 2 but its too much hassle changing all the links etc to move them to page 1 - also version IV is due soon so may revamp the layout to take that into consideration and have the FAQ's in post one, I dunno..... maybe we'll discuss it in June yea? Over beer, spliffs and food? :rotfl: :rotfl:

Or maybe we won't eh? :beer: :beer:.

and here's me hanging on waiting for your replies! :whistle::whistle:

You've more than made up for it mate, you know that. I'll just give you a taste of your own medicine next time you email me or text me! lol.
BTW - Can't I have both???

Darts was awesome, I watched it all after the footy. Struggled this morning getting up with the kids cos of it Sir Phil Taylor should win sports personality of the year. Unfortunately, it's not considered a sport by many. Doh, whatta they know. :mad:

Makes sense to leave things then if nobody is reading page two. We can discuss it when we catch up, but only briefly like, we're not that sad. Are we? Nobody is allowed to answer that bit! :eek:

never-in-doubt wrote: »

p.s. course you're worthy - tsk, you gave me loads of idea's and have given your weight in input - thanks. Don't stop.... remember you composed most the FAQ additional questions, fair play to you mate.

I know how uneducated & naive I was when I started out on my Unenforceable quest, so if I can add just a pinch of support to help you and others I will do.

dibs69

never-in-doubt wrote: »

Sorry guys I wasn't moaning at anyone lol - just saying its best not to compare or else confusion will kick in - lets just stick to the facts, it is all we can do. You do get a lot of lurkers to the threads and they read the latest pages (as you can see) and as such they will get the wrong message - I try and say from step 1 always treat your own as specific and yea, whilst it is good to share idea's around etc it's always best to bear in mind that the lenders may also be reading this..... ergo we don't want to allow them to link to anyone on here - also we want any lurkers to get the correct info which is to do it themselves and not assume all cases are the same - they never are (excluding barclays pre-set response, thus ive done a template for that)....

If Lloyds start to do the same, per se, i'll then create one for Lloyds - so right now lets hope Lloyds start to send everyone an agreement and then we'll know summat dodgy is going on and i'll find out what and then combat it with a template. Sorted yea?

SWIMfan - sorry mate wasn't picking you out - you know that. I loves you really :rotfl: :rotfl:

Did you notice than Jen called you swim fan - typical bird eh? :eek: :rotfl:

Hi nid,:A many thanks

scarednshakin

never-in-doubt wrote: »

Is it a manufactured copy or the original? Only you know the answer to that? If it is the original then you'd obviously have to blag it or accept it and make prepayments. If however its an application form or whatever then it may not be enforceable - of course I need to see things or I cannot confirm!

Hi Niddy, sorry, will not compare agreements again :o will try to do better I will send out the 2 copies that I have to you tomorrow and see what you think, pretty sure they are enforceable. There is only one bit that may not look right, but think I am clutching at straws Don't work too hard, thanks Mrs SNS

BeenieCat

never-in-doubt wrote: »

However, I also do like to split things up, so say i've got 10 people on here asking what to send, its pointless asking all 10 to send the same letter to the same lender cos the lender will KNOW they are using the same person for advice - ergo I deliberately ask some people to send different letters....

You're amazing :A I had no idea you did this!

Anyway, update from me...

Had a letter from Kays yesterday (Shop Direct) who say they are very sorry (no need to be sorry!) but they cannot locate the agreement, but here is a blank current copy for my records (oh thanks very much i always wanted one of those). *rolleyes*

That one is my biggest account too so i'm very happy about that! Do i just send the final response now?

never-in-doubt

BeenieCat wrote: »

You're amazing :A I had no idea you did this!

Anyway, update from me...

Had a letter from Kays yesterday (Shop Direct) who say they are very sorry (no need to be sorry!) but they cannot locate the agreement, but here is a blank current copy for my records (oh thanks very much i always wanted one of those). *rolleyes*

That one is my biggest account too so i'm very happy about that! Do i just send the final response now?

You know i'm not amazing beenie, tsk..... :rotfl: :rotfl:

LOL @ SDG - amateurs, they won't find it cos they never insisted they were signed prior to issuing credit so chances are you never completed one anyways!

Send this and be done with it - Refusal by Lender/DCA - to accept Unenforceability

monlou

Evening NID
Was wondering if you had a chance to look at the scanned letter i sent to today with regards to my mum's Barclaycard. I sent to your private email. They basically sent a letter stating that the debt is enforceable blah blah
Thanks

Monlou

never-in-doubt

monlou wrote: »

Evening NID
Was wondering if you had a chance to look at the scanned letter i sent to today with regards to my mum's Barclaycard. I sent to your private email. They basically sent a letter stating that the debt is enforceable blah blah
Thanks

Monlou

BRB - check now for you

monlou

Cheers:beer:

never-in-doubt wrote: »

BRB - check now for you

monlou

Hi Nid

Just found my last post

I sent this letter below and i got the response i emailed to you.

Cheers:beer:
Monlou

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: