Unenforceability & Template Letters III

triphop

Rainbow_Liberty wrote: »

I used to just pay Robbers all the way 11p a month so they will take whatever you offer. Only stopped recently thanks to Niddy

Many thanks, get myself in a state sometimes, shouldn't really as they cant have what I don't got right.

Been 20 days waiting for CCA from Hillesden, time to send CCA Reminder me thinks first thing Tuesday :cool:

anyhow I'm gonna take Niddys advice and try to forget my worries for the bank holiday, time to enjoy the su.... rain and have a fair few drinks

have a great weekend everyone :beer:

maz1964

never-in-doubt wrote: »

Seems Lloyds have joined the forum, under some hidden guise. I know who the user(s) are but am awaiting my proof before approaching them directly.

In the meantime please be uber careful about what you post on here, it's fine - they have no special powers, they are the same as everyone else. However they are now trying to argue the finer points of s.78 within their replies of late, suggesting that you guys don't seek internet advice etc etc....

p.s. Lloyds Staff - get a grip, you really don't wanna fight with me over this - you will lose! :rotfl:

Hiya Niddy and gang

well well well, im really not that surprised niddy, well i totally agree, lets stick to the basics and let them write themselves a bigger hole for themselves but yes i will be careful too,

Even I with my O'level Law understand the very basics just a shame they rely on their templates and then let their staff cut and paste appropiately and thats where i think they are trying to answer everyone in the same fashion but we are wise and we have niddy and how dare they suggest we dont seek out our own findings!!!,,,, Do we question how much they pay their lawyers oh yes of course Taxpayers bailout money :mad:

Anyway back to reality guys lets just have some fun with it, and follow the advice here and let Lloyds have a tizz,

have a fun weekend all :cool: laters MAZ

maz1964

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.

Hiya and welcome Fitzer2000

we are all here with our own life stories and thus understand exactly your fears but pls stick around and you will have our support and dont worry

can you change your telephone number perhaps if that will help ?

anyway keep reading and you will learn lots keep positive MAZ:)

maz1964

never-in-doubt wrote: »

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!

hiya niddy , know you are off and having a very deserving rest - but yes of course i realise now what i typed, yes 10past6 can help once court is involved my apologies for any confussion to others:o

No worries, i guess im reflecting back to where i was 2 years ago and everyone else's worries just remind me how i was but the message im trying to give is breathe slowly, take time out to understand, ask questions and act on any advice and it will soon take the pressure off, but i guess experience only makes you stronger and thats where im at today, so thats cool for my own personal circumstances

keep happy all laters MAZ

maz1964

never-in-doubt wrote: »

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:

hiya niddy

i had typed up the template but something was niggling me and ive emailed you my thoughts, like you say nothing can get posted til tuesday i just want to get it right for my personal circumstances;)

cheers maz

catherine238

hey nid hope your weekend is good so far.
update on the double default by c l finance and ulster bank.
sent them letters you said to post, c l finance responded asking for a copy of the report showing both defaults(i posted the page with the two defaults on it) .
ulster bank sent me a letter saying they where looking into it.

Today i got an alert on my equifax saying a credit agreement had been added and deleted so checked it out and low and behold they had deleted both agreements and then added the c l finance one back on. the ulster bank one was not there when i checked.
is this right???
they where both being recorded for 2/3 years for the same account??
all advice greatly appreciated
catherine

helenaw

Hi not sure i have posted this on the right thread

I got a letter about 1 1/2 years ago from Capquest chasing debt for a bank of scotland loan that i had not finished paying off. I made arrangments to pay if off at £100 a month. It has been hard to keep up the payments as my partner has loss his job. I have recently read that these debt companies do not have access to the relivent agreements therefore could not take you to court even if they wanted to. My question is were do i stand, as i have been paying the debt for over a year, so is that proof that i have accepted the debt and there is no going back?

Forgot to say that the loan was taken out in 2003 and is currently £4500 o/s


Thanks in advance

helenaw

Hi

I got a letter about 1 1/2 years ago from Capquest chasing debt for a bank of scotland loan that i had not finished paying off. I made arrangments to pay if off at £100 a month. It has been hard to keep up the payments as my partner has loss his job. I have recently read that these debt companies do not have access to the relivent agreements therefore could not take you to court even if they wanted to. My question is were do i stand, as i have been paying the debt for over a year, so is that proof that i have accepted the debt and there is no going back?

Forgot to say that the loan was taken out in 2003 and is currently £4500 o/s


Thanks in advance

jen_br

Hi helen have a read of the first few pages look at the flow charts at the moment your on step one you need to send the cca query I would link but I'm on my blackberry and its a bit hard. Read page 1 and have a good weekend

5corpio

Hi looking/needing help.
Long winded but trying to keep sweet and straight to the points.
Barclay card and didn’t return the cheque payment not cleared from my bank account as such (YET)
They quoted:
‘i write further to your letter requesting a copy of the agreement for above account.
They typed on letter:
The current credit limit on your account: £xxxx
The current balance on your account today is: £xxxx
The next minimum payment of £xx is due on xx
Please note, a copy of your current barclaycard agreement will be sent under separate cover’
Q: Hmmm?
‘You will be receiving your next statement shortly which will provide with full details of your account.
With reference to the Civil Procedure Rules (the “CPR”). We have provided you with sufficient information to allow you to understand our position. The CPR doe not confer with automatic entitlement to documents before proceedings start. CPR 31.16 disclosure that a party may apply to the courts for pre-action disclosure in certain limited circumstances, which do not apply here. The application must be supported by evidence and the usual order is for the applicant to pay costs of the application, inc the respondant’s costs, together with the respondants costs ofcomplying with any order that is made as a result (CPR N48.1 (2))
While there is no formal obligation on our part to provide documentation in answer to validation of debt correspondence, we have undertaken steps to provide you with the contractual terms under which your financial obligations arise and a statement of account
I am fully satisfied that the sum outstanding by you remains legally due and payable. You should continue to repay the outstanding balance owed on your account in accordance with the terms of your credit agreement. If you do not, we may register a default against you
This completes our obligation to you under section 78 of the consumer act 1974’
Attached with above letter:
I received there Barclay card Condition Credit act 1974.

Q: Where do i go from here? Do i follow with the 2nd stage letter?
Thanks