Unenforceability & Template Letters III

never-in-doubt

monlou wrote: »

Morning NID

Just an to give u an update
with regards to the MBNA Account we sent the harassment by telephone letter and they replied to stating that they will stop calls etc.. and can we offer some phone of payment i think they want an income and expenditure breakdown they have not acknowledged the CCA requests. The last letter we sent was the CCA query and have not heard anything since. We also sent the same letter to the halifax and haven't heard nothing. do we send the debtors final response letter and leave it at that?

Thanks
Monlou

Hiya

Not yet - you ignore both and wait and see what they send back. The final response is only sent when the lender/dca send you a final response. At the moment, they are in default and the accounts are and remain unenforceable until such time they do respond. So you just sit and wait.

never-in-doubt

elsie52 wrote: »

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

Hehe - will be back again soon enough, for seconds!! Just trying to catch up on this then i'll be outta ere! :beer:

Have fun

never-in-doubt

averageguy11 wrote: »

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.

Standard fob-off letter, send this: CCA Query - Terms & Conditions Supplied

never-in-doubt

Slickfm wrote: »

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

Well done, you're spot on! Send this: Account sold - whilst in Default of CCA Request

p.s. it was an all dayer - was dead at night (old age you see) LOL :beer:

never-in-doubt

jen_br wrote: »

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......"

Lloyds don't upset me Jen, not in the slightest - my reply to your quote, from Lloyds, is found below:

:rotfl::rotfl::rotfl::rotfl::rotfl:

never-in-doubt

BASSETT wrote: »

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.

You should now send this: CCA Dispute - s.10 Cease & Desist

never-in-doubt

elsie52 wrote: »

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

BASSETT wrote: »

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.

Thanks Elsie, well done Bassett - you got the right template so proves my flowcharts do work!!

- Niddy is a happy chappy now :D:D

never-in-doubt

swanfan02 wrote: »

Hi Niddy, well thanks to your advice & letters Robbersway(Robinson) have closed their file & sent it back to Barclayshark, so cheers mate!:beer::T:T

Hah - typical bail-out by the DCA! Wait and see what Barclays send to you, we'll take it from there mate :beer:

never-in-doubt

scarednshakin wrote: »

Got reply today from Apex today, they are referring back to Barclaycard :beer: Thanks Niddy n Gang

:rotfl::rotfl:

As above, just see what Barclaycard say then we'll move forward.

never-in-doubt

Fitzer2000 wrote: »

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.

You will be fine. If i'm a member here, you'll get support. The flows on page 1 also make it easy to DIY should I be PPR'd or decide to walk away so don't worry ok?

You'll be fine.