Unenforceability & Template Letters III

BorassicLint

jen_br wrote: »

Good morning everyone well I got a letter from lloyds today about my card as niddy wrote me a personal letter etc with regards to the application they sent me today I feel physically sick I got a letter back personalised telling me how executed copies are fine I'm being misinformed umm going on about I provided no proof of things being forged etc etc 2 pages plus some outlines and bolded statements of second 78

No clue if they have a point but the letter (first letter from lloyds re my cc) that I cried reading maybe its from lack of sleep lol but I do feel sick

Now please don't let this scare people just needed to vent

.... Off to go wallow in my own self pity lol

Hi jen - just wanted to second what maz said and send you some hugs;)

elsie52

never-in-doubt wrote: »

niddy pished as a fartey heheh - back tomorro guys

Sounds like you are having one heck of a good day Niddy..!!! Enjoy.:beer::beer::p:beer:

jen_br

BorassicLint wrote: »

Hi jen - just wanted to second what maz said and send you some hugs;)

Thank you i feel a bit better now... Im making Mojitos!

averageguy11

NID...hoping u remember my CAPONE business...I hadn't received anymore correspondence so I sent tht standard letter u suggested...they have now bothered to reply...sending yet again a copy of the currnet terms and conditions.

and the following is quoted from there letter.

As we have complied with our obligations under S78, we will not be entering into any further correspondence regarding the provision of copy agreements. Your agreement is enforceable and we will conitnue to treat it as such.

We will continue to pursue the outstanding debt and do not consider this account to be in dispute, therefore would remind you that you are bound by the terms and conditions of your credit agreement and are obliged to maintain payments and repay your outstanding balance.

What do u think?

Ta.

Slickfm

Hi Niddy, received letter today as well as 2 txts from CrapQuest (on behalf of CrapOne).:mad: Still no CCA yet tho, I will be sending account sold whilst in dispute letter off pronto.

looks like you had a good night on the :beer: Nid!!

Cheers

jen_br

Nids, I know you won't see this till morning or so.. but thought i would let you know that Lloyds is very very upset with you LOL I know you care

".....Given this content of your letter I am concerned that you may be obtaining the incorrect advice as to your legal rights from an internet website. If followed it is entirely possible that this will cause you to breach the terms of your agreement......"

jadex

I like this part from DCAs letters:

We look forward to your proposals for repayment within the next twenty one days.
Payment can be taken over the telephone by debit or credit card.

It means: pay us by screwing them. Then we'll buy their debt and chase you again.
But you can always pay by another credit card.
After all we need constant supply of fresh blood.
With Regards. Suckers.

BASSETT

Is anybody waiting forever for a CCA? I requested one with Hillesden Securities for an Abbey debt back in October. I`m still waiting. Every 21 days or so I receive a letter saying basically they are still waiting for the Abbey to provide them with it.

elsie52

Have you followed Niddy's flow charts on the first few pages of this thread

BASSETT

Thanks Elsie, not been on here for a few months and noticed the new charts, I`ll send off the s.10 cease and desist letter.