Unenforceability & Template Letters III

never-in-doubt

Fitzer2000 wrote: »

Hi NID, I have sent a number of CCA's on Friday. I'm feeling quite apprehensive now. Can I have please have your support and advice in the coming months. Thnaks

apprehensive about what? I think you'll see from my general being here that I give full support - your post makes no sense???

never-in-doubt

Locke wrote: »

Morning NID.

I've received a final response after sending the Refusal by Lender/DCA - to accept Unenforceability letter, do I just leave it at that?

Yep - or send the same letter back to them!

Locke wrote: »

I also received the standard letter from Barclaycard about only having to send out terms and conditions rather than a signed copy, what do I send back to that?

Laugh at it? :rotfl::rotfl:

Send the final response, however if you've already done that then send this: Refusal by Lender/DCA - to accept Unenforceability

never-in-doubt

maz1964 wrote: »

hiya jen

pls pls dont worry yet, let niddy and 10past6 have another look for you, you - know its not easy but pls dont call them at any costs -

understand thats why we are all here to support each other and to vent, a couple of years ago i would too have been feeling exactly as you are now but now im hardened and yes it takes time to get this way but learning and knowledge really is power

keep your spirits up until niddy can respond, have a sunny day hugs maz:)

Let me clarify for you - 10past6 only gets involved if things go to court

Thanks for the words of support, although I do have to say this again for everbodys peace of mind::

DO NOT WORRY ABOUT ANYTHING - JUST POST YOUR QUERY AND WE WILL SORT IT FOR YOU!

never-in-doubt

fedupwiththeworry wrote: »

Re : 3194

First response received back.
From the BOS thanking me for the letter and stating they are awaiting the documentation to fulfil my request. Then warning me about the dangers of using claims management companies quoting Bridgit Prentice :rotfl:

Hiya

Let me know when they actually respond in kind. I am lost as to why they'd quote a Labour MP!! Although me thinks it is more to do with her role in MoJ

Fitzer2000

Sorry, I should have been more clear. I suffer from anxiety and depression and I'm apprehensive about the phone calls and letters from my creditors. I've recently joined and have started the process with the help of your templates and excellent letters. I suppose I'm just looking for a bit of re-assurance that I have your support.

Locke

never-in-doubt wrote: »

Send the final response, however if you've already done that then send this: Refusal by Lender/DCA - to accept Unenforceability

I've sent the Cease and Desist letter previously so I'll go with the final response letter this time.:)

fedupwiththeworry

Further to 3341

2nd response rec'd

Had a reply from DCA re Citi stating they are awaiting a copy of the original agreement from the original letter.
If we are unable to forward a copy of the original agreement, we will be able to supply a true copy of the document which will comply with section 77-79 of the consumer credit act 1974.
We would like to draw your attention to the ruling in the case of McGuffick V RBS 6/10/09 in relation to "what is considered enforcement" etc etc basically stating that demending payment is a step taken prior to the commencement of proceedings and therefore is not considered enforcement. We will continue to report to credit ref agencies.


Basically they are saying they will continue to chase for payment.

scarednshakin

Hi Niddy, thanks for the warning about Lloyds. PM'd you this morning about a reply I got from them. Thanks Mrs SNS

fedupwiththeworry

never-in-doubt wrote: »

Hiya

Let me know when they actually respond in kind. I am lost as to why they'd quote a Labour MP!! Although me thinks it is more to do with her role in MoJ

Hi Nids,

Sorry should have been clearer, they are quoting her statement as MOJ warning about businesses that mislead the public about debts being written off

never-in-doubt

kdallsop wrote: »

Hi, Do I need to make the request direct to them?? I was under the impression that as they are the ones chasing me for the debt, they had to provide it.

Thanks in advance!!

Hiya

Please don't copy my own templates back into the thread - in future just say you sent the *Name of Template*.... so in this case you should have said I sent the CCA Request and they replied with XXX.... Make sense? :beer:

They are incorrect, send this back to Apex, with the original request and cheque/PO that they returned to you: Follow-Up to DCA - who decline your CCA Request

Read the letter and you'll see why they have to deal with it.