Unenforceability & Template Letters III

St0lli

Hi Niddy, I didn't want you to think I was neglecting you so I've got another query :j
Just to recap... Lloyds TSB haven't supplied a correct CCA and I responded with a letter telling them I wanted an exact copy and not a typed agreement blah blah.
They responded with a Final response to which I sent another letter which you kindly drafted. They then instructed SCM solicitors and I sent them a letter saying this account is formally in dispute etc. LTSB have since written saying they are looking into my complaints and will need a further 30 days to respond to me (this is in addition to the first 30days they required)
.
And now today... I've received a statement from LTSB saying that as my account is seriously overdue they have appointed a debt collection agent MHA collections. Now my understanding is that MHA are in fact part of LTSB?

What do you recommend as my next course of action? Should I wait to hear from MHA and then send them an indispute letter and copy of the complaint being looked into? Or option b... ignore them?

Sorry if its a bit incoherent so if you need clarification please let me know.

What a pain LTSB are! But then so are MBNA, CitiCard... and the list is endless!:rotfl:

never-in-doubt

Tixy wrote: »

Hi Niddy

I might be being blind but I think that you used to have a template to respond to a DCA if they say the debtor needs to request the CCA from the OC? Basically saying 'tough, you the DCA have to provide it'? Is that right? I can't see it in your opening pages (anymore).

If you have one can you point a link to it in the direction of here - http://forums.moneysavingexpert.com/showthread.html?p=30716341&posted=1#post30716341

Cheers

Hiya

Its on the CCA Request itself, ok - i'll make a new one now! BRB..... :p:p

never-in-doubt

never-in-doubt wrote: »

Hiya

Its on the CCA Request itself, ok - i'll make a new one now! BRB..... :p:p

Done!

Here you go (12 minutes - wow!!)

Follow-Up to DCA who decline your CCA Request

never-in-doubt

St0lli wrote: »

Hi Niddy, I didn't want you to think I was neglecting you so I've got another query :j
Just to recap... Lloyds TSB haven't supplied a correct CCA and I responded with a letter telling them I wanted an exact copy and not a typed agreement blah blah.
They responded with a Final response to which I sent another letter which you kindly drafted. They then instructed SCM solicitors and I sent them a letter saying this account is formally in dispute etc. LTSB have since written saying they are looking into my complaints and will need a further 30 days to respond to me (this is in addition to the first 30days they required)
.
And now today... I've received a statement from LTSB saying that as my account is seriously overdue they have appointed a debt collection agent MHA collections. Now my understanding is that MHA are in fact part of LTSB?

What do you recommend as my next course of action? Should I wait to hear from MHA and then send them an indispute letter and copy of the complaint being looked into? Or option b... ignore them?

Sorry if its a bit incoherent so if you need clarification please let me know.

What a pain LTSB are! But then so are MBNA, CitiCard... and the list is endless!:rotfl:

Hiya

Ok, I think this is a little related to what DJG said earlier - take a look at this template - this should cover it: Account sold whilst in Default of CCA Request

St0lli

never-in-doubt wrote: »

Hiya

Ok, I think this is a little related to what DJG said earlier - take a look at this template - this should cover it: Account sold whilst in Default of CCA Request

Thanks Niddy! Prompt reply as always! :beer:

terimon

Hello NID.

Me back again to give you headaches.

My Virgin credit card (which is MBNA part of Bank of America) which is enforceable have offered me a partial settlement. They said they wont chase me for remainder of debt and wont default me. I dont believe them and want to see it in writing.

The settlement is 47% but i dont trust them.

I am totally ignoring my NatWest still as they admitted unenforceability.

I want to sort this Virgin card out so i can get on with my life

never-in-doubt

terimon wrote: »

I want to sort this Virgin card out so i can get on with my life

Send a version of this to them, change the amount to 47% or whatever - good luck: Default Removal - Offer of F&F Settlement

terimon

Cheers NID

I have tried that letter twice.

They say they wont do full and final settlement.

Only partial which will remain on CRAs for six years (sounds pretty much like a default to me).

I was thinking as this is my only enforceable agreement would be best to sort it now.

I just dont trust them even 1%

in_to_deep

terimon wrote: »

Hello NID.

Me back again to give you headaches.

My Virgin credit card (which is MBNA part of Bank of America) which is enforceable have offered me a partial settlement. They said they wont chase me for remainder of debt and wont default me. I dont believe them and want to see it in writing.

The settlement is 47% but i dont trust them.

I am totally ignoring my NatWest still as they admitted unenforceability.

I want to sort this Virgin card out so i can get on with my life

if its enforceable then take tha 47% settlment but get it in writing

never-in-doubt

terimon wrote: »

Cheers NID

I have tried that letter twice.

They say they wont do full and final settlement.

Only partial which will remain on CRAs for six years (sounds pretty much like a default to me).

I was thinking as this is my only enforceable agreement would be best to sort it now.

I just dont trust them even 1%

Tell you what - let them sell it to a DCA THEN see what offer you can make - betcha its less than 47%!!! Are you on about paying in one lump or monthly mate? I'm speaking one lump payment to end it - what is a partial settlement?

Tell them to shove their partial verbal unlawful settlement offer where the son doesn't shine and to send a full and final settlement offer in writing. :D