Unenforceability & Template Letters III

never-in-doubt

maz1964 wrote: »

Good Afternoon niddy and gang

anyway will read back the pages ive missed and if i cant fathom out what to do next i will email you the letter niddy and see whats next best to do

hugs to all laters MAZ:beer:

Hi Maz,

No need to scan or email it - its all on page 1 now - Barclays are in my hall of fame with their own template - see here:

Template to Barclays - Upon their claim they have satisfied s.78
Usually Barclays send these letters Click Here - if you receive the same, use the above template....

BrightonSun

never-in-doubt wrote: »

Hiya

Sorry what other letter? You need to remember since we last spoke i've probs seen 100's of other agreements and spoken to 100's of other people and you really need to start sending me links... As for the email, i'll check later once you confirm exactly what is happening cos i'm confused, is this in relation to the SAR thing you mention earlier or separate?

Sorry - not nagging but you do have to remember I see too much and need reminding by a little update or a link to the last chat!

Thanks

Whoops sorry!!!:o

1st Credit: CCA is unforceable (You checked it out ) and I wanted to know if before I make a repayment offer I request SAR (Hope this is right) To see if I can get the charges off too bring down the balance....

Barclaycard: Sent them the final CCA not recieved..The don't contact me letter until I get the CCA (Which again you kindly provided )Heard nothing for about 4 weeks... However started to recieved calls over the past few days from Mercers (Not answered them). Today got a Default notice from them (acting on behalf of Barclaycard) (dated 18.05.10) and a pay up now letter. Wanted to know what I do? Sorry to confuse you!! Hope this info is OK Have emailed a copy of the letter recieved from Barclaycard!!

Thanks

nanna58

HI NID

i recieved the same as letters in 3316 last week. today i have recieved the b card conditions cca
which is the document setting out the terms.there is no signature of any kind just 2 pages of rules and regs.I presume this is not the document that i should have recieved.Yes they say the same as in the letters in 3316 so should i send the template you advised
many thanx

never-in-doubt

garwil wrote: »

2day i had a Txt message asking me to phone a named member of their staff ( no reason given) - am i right in saying i do not phone them ? Sorry for seeming so silly but just want to be sure:o.
I will be sending the second letter in the cycle this weekend.
Cheers:beer:

Do not ring them.

Send this asap: CCA Reminder

never-in-doubt

BrightonSun wrote: »

Whoops sorry!!!:o

No need to be, but a brief illustration like below does jog my (busy) memory so thanks

BrightonSun wrote: »

1st Credit: CCA is unforceable (You checked it out ) and I wanted to know if before I make a repayment offer I request SAR (Hope this is right) To see if I can get the charges off too bring down the balance....

Please confirm the spelling of the above.... do you mean enforceable or UNenforceable?

BrightonSun wrote: »

Barclaycard: Sent them the final CCA not recieved..The don't contact me letter until I get the CCA (Which again you kindly provided )Heard nothing for about 4 weeks... However started to recieved calls over the past few days from Mercers (Not answered them). Today got a Default notice from them (acting on behalf of Barclaycard) (dated 18.05.10) and a pay up now letter. Wanted to know what I do? Sorry to confuse you!! Hope this info is OK Have emailed a copy of the letter recieved from Barclaycard!!

Thanks

Send this to Mercers with a copy of the same letter you last sent to Barclays (Final response): Account sold - whilst in Default of CCA Request

never-in-doubt

nanna58 wrote: »

HI NID

i recieved the same as letters in 3316 last week. today i have recieved the b card conditions cca
which is the document setting out the terms.there is no signature of any kind just 2 pages of rules and regs.I presume this is not the document that i should have recieved.Yes they say the same as in the letters in 3316 so should i send the template you advised
many thanx

Hiya Nanna

What have you sent to date? Have you sent this yet?: CCA Query - Terms & Conditions Supplied if not send that, if so then send this: Debtors Final Response - No CCA Received

Can I refer you back to this: #3208

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....

nanna58

N I D i sent cca request recieved the "documents under seperate cover" letter today the b card conditions as above.CCA terms and conditions but no signatures of any sort

never-in-doubt

nanna58 wrote: »

N I D i sent cca request recieved the "documents under seperate cover" letter today the b card conditions as above.CCA terms and conditions but no signatures of any sort

Hiya

I'm not worried about what they sent you, i'm asking what you sent them :rotfl:

Assuming i've read this right, you have sent the CCA Request with the £1 and they responded with terms, no CCA right? In which case you respond with this: CCA Query - Terms & Conditions Supplied

Brighton is a lot further through the process than you, ergo do not send the same letter and also why I posted the link to my explanation (#3208 )as to why we do not copy other users because they could be at differing stages....

nanna58

never-in-doubt wrote: »

Hiya

I'm not worried about what they sent you, i'm asking what you sent them :rotfl:

Assuming i've read this right, you have sent the CCA Request with the £1 and they responded with terms, no CCA right? In which case you respond with this: CCA Query - Terms & Conditions Supplied

Brighton is a lot further through the process than you, ergo do not send the same letter and also why I posted the link to my explanation (#3208 )as to why we do not copy other users because they could be at differing stages....

CCA request yes 1.00 yes.

terms and conditions supplied

Why i was confused is under the heading of b card t/cs
it says c c agreement regulated bt the cca act 1974

Sorry if i caused you a prob:o:o

BrightonSun

never-in-doubt wrote: »

No need to be, but a brief illustration like below does jog my (busy) memory so thanks



Please confirm the spelling of the above.... do you mean enforceable or UNenforceable?



Send this to Mercers with a copy of the same letter you last sent to Barclays (Final response): Account sold - whilst in Default of CCA Request

Whoops I have awful spelling!! It's Enforceable...As it was just a couple of months before the new legislation came in!:mad::p