Unenforceability & Template Letters III

never-in-doubt

Rainbow_Liberty wrote: »

Ahhhh but I trust you that you won't - anyway never said it was funny to anyone else, but Jock McTavish amused me.

You know you can trust me - :think:

Yea, I understand why Jock McTavish amuses you, :rotfl:

jadex

Update re #1719
After exchanging final responses almost 2 months ago it went silent.
Then today, I received Final Demand from them.
Rather short letter is full of words in BOLD CAPITALS used to emphasize how bad I am and how I will be sentenced to hell.

They say:

We now DEMAND immediate repayment of (the whole balance).
YOU HAVE 14 DAYS TO REPAY IN FULL.
ACTION will be taken against you through DEBT COLLECTORS or SOLICITORS if you not comply.
You may also be taken to COURT (:eek::rotfl: yeah, with fraudalent CCA bearing no prescribed terms - too much curry for lunch? Anyway, being taken to court doesn't mean they win - it is court after all and it is up to the judge to decide. I am not at a losing position just because they have taken me to the court, right? Don't they understand this? They use a word "court" as it would be The Last Judgement and they are St. Peter).
As a DEFAULT DEBTOR, details of your default including your name and address (:T address? when they will stop to say blatant lies?) will be given to CREDIT REFERENCE AGENCIES (had no idea, CRAs are used as threatening tools, thought they are just normal businesses, not special forces which can come to take my face off in the night...).
It is IMPERATIVE that you call us.
If calling from abroad... (who with brain would do this? are they insane? and how would I got the letter from them being abroad?)

Yours sincerely (yeah, sure)
Helen P.
Senior Manager Collections

Hello Helen :wave: (if you read this)

Now, the question is to ignore it,
or to send 19. Refusal by Lender/DCA - to accept Unenforceability
or 22. Threat-o-Gram - Letter before Action

never-in-doubt

jadex wrote: »

Hello Helen :wave: (if you read this)

Now, the question is to ignore it,
or to send 19. Refusal by Lender/DCA - to accept Unenforceability
or 22. Threat-o-Gram - Letter before Action

Hah - glad to see you've not lost your sense of humour - Hello Helen, if you are reading this from me as well :wave:

Send this: Refusal by Lender/DCA - to accept Unenforceability

Moobags_2

Morning NID and gang

NID I have emailed you yet another CCA and would appreciate if yu could have a look at it for me
This is one from Capital One so I now expect Capquest to start calling again very soon lol

Big thanks as always

5corpio

Slickfm wrote: »

Hi 5corpio, i had the same letter from CrapOne in response to my CCA reminder and also received one from CrapQuest too! Had about 10 calls from CrapQuest over the last week or so:mad: (not answered any tho:D) coz still no CCA received. Sent CrapQuest 'Account sold whilst in default' template letter:)

Oh the acct not been sold, Cap/One still the Owner (Capquest acting on their behalf - Humm...Burrrrp-Or was that Telograms Ltd, or was that H & L Legal Solictors, or other so called name working as Capquest) - i no not to worry anymore (tis a F/T nowadays keeping up to date with this)

Good luck

Thanks slickfm

mojoparrot

thanks for the updates NID. Have a good day:j
Mojo

jamespounder1

Hi,

All of my creditors are now on a payment plan, unfortunately I need to renegotiate with them as my wife has been made redundant.

Is the fact that i've already paid a few payments on a payment plan stop me from going down the enforcable route...

Thanks in advance

James

Fitzer2000

Hi James, From what I understand you may need to cancel you DMP with Payplan and manage the "enforcable" debt payments yourself.. You can still go down the unenforcable route. I'm in a similar position and am currently awaiting a response from 3 CCA's I sent off last week. I'm sure Niddy The Great can clarify. Would hate to give you incorrect advice.

scarednshakin

Good morning Niddy n gang, hope you are all well

Am avoiding the cut n paste tools today

Niddy BLS have been sending lots of letters asking for payment. Requested CCA back in March and have had various letters from the bank saying that they are looking into it (or maybe they are cutting and pasting).

Anyway had been paying BLS and stopped when no CCA was forthcoming, would I send out Refusal by Lender/DCA to accept Unenforceability letter to them?

Thank you and hope you are having a good day

chinawhite_2

Hi Nid

You kindly had a look at an MBNA CCA for me and following this I sent CCA query (document wasnt signed by them) in December. I sent another copy of this with a telephone harassment at work letter on 26th May with section about signature highlighted.

This morning I have received 2 letters from them, one is notice of a potential court order on my property :eek: eeeeekk !! The other is advising that a default is due to be registered and that the account will be sold on to a third party.

What do I do now, do I just sit tight and ignore these letters ?? The one about the potential court order is a bit scary , can they actually do this ???

thanks CW