Unenforceability & Template Letters III

never-in-doubt

5corpio wrote: »

Hi all, (NID)

A merry Sunshine day, been out sunbathing, as no mail arrived, seems to have gone all quiet on the western front....

All my (unpresidentated credit cards were taken out before the April CCA Unenforceablility Act Apr 2007..... where in 2007 i consoldilate all debts and went through a DMP (Debt Management Plan), as my current position since Feb 2010 i have been temporary redundant from my employer i have had to cease my payments to the DMP. can i see still follow the simple rules of engaging Unenforceability? even though i had, had been making payments through the DMP?

thanks

Have a great afternoon tea in the sunshine all, unless up in Scotland enjoy your ski-ing as there is still snow up there....

There is no unenforceability act!!

basically from April 2007 s.127 was repealed which means we cannot use it to fight for unenforceability! Basically you send off the CCA Request as per page 1 and then follow the advice and flowcharts there!

You cannot go back to the same DMP once you cease repayments, so if you do this then you need to do it with them all really (i.e. all your creditors) - you will be defaulted, if not already.

fedupwiththeworry

never-in-doubt wrote: »

No need - send this: CCA Query

Thanks NIDS, sorry to be a PITA but reading the link it says "You can if you prefer (especially if they send you an application form) miss this and go straight to step 4 and send the Dispute/S.10 letter...." Is the dispute letter what you want me to send because they sent the application form with the recon T&C's ?




Yes, just sit tight.

Will do



Send this: CCA Reminder

Will do , do I change the wording to "I've already sent you the £1.00 statutory fee" ?

Thx again :T

never-in-doubt

fedupwiththeworry wrote: »

do I change the wording to "I've already sent you the £1.00 statutory fee" ?

what would you think? :rotfl: :rotfl: :rotfl:

fedupwiththeworry

never-in-doubt wrote: »

what would you think? :rotfl: :rotfl: :rotfl:

:o:o

Just checking

This question got caught up in your quotes somehow, sorry:

Re the CCA query to BOS

Thanks NIDS, sorry to be a PITA but reading the link it says "You can if you prefer (especially if they send you an application form) miss this and go straight to step 4 and send the Dispute/S.10 letter...." Is the dispute letter what you want me to send because they sent the application form with the recon T&C's ?

:T

maz1964

hiya niddy

lovely i now understand ref lloyds thanks - crystal clear to me now cheers :beer:

re your earlier postings below

http://forums.moneysavingexpert.com/showpost.html?p=33399091&postcount=3552


http://forums.moneysavingexpert.com/showpost.html?p=33399575&postcount=3554

oh this is going to be such fun!! love it

laters maz

never-in-doubt

fedupwiththeworry wrote: »

Thanks NIDS, sorry to be a PITA but reading the link it says "You can if you prefer (especially if they send you an application form) miss this and go straight to step 4 and send the Dispute/S.10 letter...." Is the dispute letter what you want me to send because they sent the application form with the recon T&C's ?

:T

Ok send that - sorry

As you can see i've got too many things going on at once so do need you to summarise and spell stuff out to me at times lol.... I obviously don't remember each persons situation.

But yea, if you want to send the s.10 then go for it

fedupwiththeworry

never-in-doubt wrote: »

Ok send that - sorry

As you can see i've got too many things going on at once so do need you to summarise and spell stuff out to me at times lol.... I obviously don't remember each persons situation.

But yea, if you want to send the s.10 then go for it

Just wanted to check as this is all new to me at the moment and didn't want to send the wrong thing

I can totally understand how you must get confused with so many posts.

You are a star sir :A :T

maz1964

never-in-doubt wrote: »

As you can see i've got too many things going on at once so do need you to summarise and spell stuff out to me at times lol.... I obviously don't remember each persons situation.)


I too will try and remember to do this for you too, as i hope ive done earlier today so that its easier for you to get back to us and also that we ourselves and others learn also from your advice as we continue with our own journeys - cheers maz

never-in-doubt

maz1964 wrote: »

I too will try and remember to do this for you too, as i hope ive done earlier today so that its easier for you to get back to us and also that we ourselves and others learn also from your advice as we continue with our own journeys - cheers maz

Did you ask me stuff earlier Maz> I thought your post was rhetorical....

See: #3551 ??

maz1964

never-in-doubt wrote: »

Did you ask me stuff earlier Maz> I thought your post was rhetorical....

See: #3551 ??

hiya niddy i hope i didnt reply with my silly head on,, i was just trying to explain that i had seen your replies to 3551 and then i saw your post to fedupwith worry - about letting you know about earlier postings to help you and make it easier for you to reply back as i cant even fathom out how you seem to recall what everyone of us asks you me included

i even had to see what rhetorical meant as my brain is jammed up today:o

i offer my apologies if ive somewhat caused any offense or confussion -

oops maz