Unenforceability & Template Letters III

mojoparrot

never-in-doubt wrote: »

I'll come back to your other posts shortly - lol :rotfl:

OK whenever you get the chance, I see you are mega busy as ever and still working hard!:j

Mojo:D

scarednshakin

never-in-doubt wrote: »

Hiya

Ok, thanks for emails - they both make sense, so what you should be doing now is sending this: CCA Dispute - Forged Document Supplied

Editied to suit, i.e. you add your own bullet points in the top - before you send it, send me a PM on here with what you put in the bullet points, if its not right or too much info i'll amend and send back to you - then drop it into the template above.

Best of luck and well spotted.....

p.s yea please send me an image with both CCA's and entitle them CCA1 and CCA2 so they are prominent (cca1 is the original and cca2 will be the latest version they sent)......

Thanks

Hiya Niddy

Thank you :beer:, just chuffed that I noticed it. I will go and get the letter sorted out n let you know what I have put in. Will also get copies of CCA's emailed over to you. BIG THANK YOU

never-in-doubt

BeenieCat wrote: »

Loads! I had like 200 calls in less than a week from both Barclaycard and CapQuest.

I sent this https://forums.moneysavingexpert.com/discussion/comment/31949881#Comment_31949881 but i hadn't actually sent a letter about it previously, so in their letter today they said "we are unable to locate a copy of your previous letter". Oops There wasn't one. :rotfl:

It's BLISS now, my phone hardly ever rings, although i still get the odd one from Lowells who've recently come on the scene... Need to get my paperwork back in order and make sure i'm up to date in sending stuff out.

Nice letter there - I do love it when a plan comes together

scarednshakin

Niddy, sorry to be a pain, just reading the letter they sent out with the CCA, it is the banks final response, still send out the CCA received - forgery letter? Ta

never-in-doubt

mojoparrot wrote: »

Do we respond?

Thanks as ever NID:T:T
Mojo

Hiya

No do not respond as yet - they said they'll send the agreement under separate cover, give them time to [STRIKE]make[/STRIKE] find one :rotfl:

However their excuse is not entirely correct, the fact you used it means nothing - regards to the letter, that part is right in that they can change the card type - course they can, but you still want a copy of the original agreement which was from the storecard days - not the CC agreement as there won't be one!

Make sense?

never-in-doubt

mojoparrot wrote: »

HI again NID
Thankyou for looking at the agreement for me.

Already sent out CCA query 5/5 as they did not respond to my CCA reminder letter. (followed the flow chart!)
Received this week from Moorcroft an 80% settlement offer letter, do I just wait and see.

Thanks
Mojo

Hiya

Ok well if you've already sent it just wait - do not accept the settlement and don't bother responding either.......

never-in-doubt

mojoparrot wrote: »

Hi again NID

Sent DFR letter to Halifax 5/5/10 and they have come back this week with a letter which seems to be referring to the volume of phone calls i have received not about the agreement itself. The letter does not refer to the agreement being unenforceable just that I havent paid it for 6 months. They say they will refer onto their DCA.
Do I just wait for their next move as I have sent DFR letter?
Thanks once more!
Mojo

Hiya

yes you sit tight and wait for the DCA to contact you then send them a copy of the last letter you sent to HBOS (i.e. the DFR) coupled with this: Account sold - whilst in Default of CCA Request

never-in-doubt

scarednshakin wrote: »

Niddy, sorry to be a pain, just reading the letter they sent out with the CCA, it is the banks final response, still send out the CCA received - forgery letter? Ta

Yep still send it, their final response means nothing cos you're disputing that as well - iyswim? So yea send it, then after they respond to you with more lies, you then send the final response CCA Received from page 1.

scarednshakin

never-in-doubt wrote: »

Yep still send it, their final response means nothing cos you're disputing that as well - iyswim? So yea send it, then after they respond to you with more lies, you then send the final response CCA Received from page 1.

Thanks Niddy, will do. I have just emailed you the copies of the CCAs, will now start on the letter

never-in-doubt

scarednshakin wrote: »

Thanks Niddy, will do. I have just emailed you the copies of the CCAs, will now start on the letter

Hiya

Ok seen email, it is the same form isn't it - so they are clearly using cut/paste cos funny how the date stamp is on one and not the other :think::think:

You know what you're doing, just let me see the part you complete at the top prior to sending * Don't put all your eggs into one basket