Unenforceability & Template Letters III

Zach

never-in-doubt wrote: »

Hiya

You need to start from scratch with everything, forget the CMC - they will have said almost anything, so send the CCA request again so you can see for yourself what they have!

Thanks Niddy,

Should I send the CCA requests to Vanquis or the 101 DCA's that have been chasing me?

fedupwiththeworry

never-in-doubt wrote: »

Hiya

Nah - dont chase them, they are in default until they respond so leave it - just wait....... let them dig their own grave. :beer:

Ok will do :T

never-in-doubt

Zach wrote: »

Thanks Niddy,

Should I send the CCA requests to Vanquis or the 101 DCA's that have been chasing me?

whoever owns the debt, so the last DCA that wrote to you.

never-in-doubt

garwil wrote: »

Hi Lord Niddy and all friends!:)

I have sent my cca request to citicards and also the follow up letter as per your flow chart.
Ihave proof of postage of both letters and have had no response from them, but they are phoning me at least 6 times per day:mad: - i do not answer the calls:D - should i continue to avoid the calls?

Hiya

Yes ignore them and send this: Harassment by Telephone

fedupwiththeworry

never-in-doubt wrote: »

Hiya

Nah - dont chase them, they are in default until they respond so leave it - just wait....... let them dig their own grave. :beer:

Me again, sorry .

Re these 4 no replies, not sure if you remember but I'd sent out the CCA's without my address on , obviously the others have managed to respond, just asking if I should still just sit and wait for these ones bearing that in mind ?

never-in-doubt

fedupwiththeworry wrote: »

Me again, sorry .

Re these 4 no replies, not sure if you remember but I'd sent out the CCA's without my address on , obviously the others have managed to respond, just asking if I should still just sit and wait for these ones bearing that in mind ?

Ahhh - ok send the reminder with a copy of the CCA request attached as well (this time adding your address).... give them a full month to respond... no rush.

This time I am going lol. Back tomorrow.

fedupwiththeworry

never-in-doubt wrote: »

Ahhh - ok send the reminder with a copy of the CCA request attached as well (this time adding your address).... give them a full month to respond... no rush.

This time I am going lol. Back tomorrow.

Thx, will do :T

garwil

Hi Ya NID
thanks for your reply
I will send the harrasment letter:beer:

Cashola

Hi Niddy,
I guess I should have posted in this thread in the first place - just been finding my way around the forum again recently
I posted yesterday regarding a letter (and now visit) from Meritforce (on behalf of Aktiv Capital) who are chasing me for an old credit card debt (they've already had some scary looking guy knocking on my door this morning, I didn't answer it!)
The details:
- credit card debt (under £900)
- last acknowledgement from me circa 1999/2000

There have been a variety of DCA's chasing me by letter over the last 10 years but I've just ignored them... Plus I've moved around so much I guess I've just been avoiding it. Plus having checked my credit file there is no CCJ or default - the only thing I can see is 'unrecorded enquiries' from a Lowell Financial (another DCA I assume). Seems they are selling these debts again and again!

Anyway, it's time I sorted this out and was recommended to send the Statute Barred letter by some of guys on here (big thanks ) - but someone mentioned that there could be a CCJ, in which case I guess it's not Statute Barred anymore? Could that be the case? And if so what could happen to me? Can I be defaulted (or affect my credit file) for a debt this old?

I just want to be sure before I send the letter

Thanks experts!

thepedestrian

never-in-doubt wrote: »

Hiya

Have they sent a CCA - it does not need to be signed. Please clarify.

Hi - I sent a request for the CCA and they returned paperwork to me which did not contain my signiture in any box ( no box at all actually ) just 3 pages of T a C`s ( this alleged agreement was pre 2007 )


Regards