Unenforceability & Template Letters III

maz1964

never-in-doubt wrote: »

sorry mate - have answered properly now (was moody an hour ago, chilled now cos thats more defaults being removed woohoo to wayne & joeler!) :rotfl:

Hey good morning Niddy, hope you are chilling today :rotfl: hey hell we all need a bit of low day sometimes hope you are feeling happier

the work you have done so far for us all i just wanted to say a HUGE THANK YOU

COS you are the Man who can:beer:

will be back in a bit need a bit of help for my friend with defaults etc so will check out your letters first to see if i can resolve myself to which appropiate letter we will need to send out

have fun maz

Playboy999

Hi NID,

I requested a true copy of my credit agreement from Littlewoods on 15/2. They replied on 26/2 saying they couldn't locate a copy of the exectued agreement and supplied the Terms & Conditions "for this type of account".

I replied on 1/3 putting the account in legal dispute stating that until they send me a copy of the credit agreement no payments will be made. They replied 16/3 saying they will contact me when a full investigation of my concerns has been made.

What do i do now & how long do i give them to respond?

Peppa-Pig_3

never-in-doubt wrote: »

Hmmm, they do seem enforceable from first glance BUT I need to spend some time on them, search for that needle if you see what I mean?...... bear with me, i'll sort later today ok?

Happy needle hunting lol

Will send the final letters to the others today as all exactly as i said

MASSIVE BIG THANK YOU

we_are_always_skint

sorry if something like this has already come up or its in the wrong place but i just dont have the time to go through all 37 pages and i really need some advice as soon as possible if anyone would be kind enough

a good few years ago i sent martins template letter off reffusing all debt to a collection agency and did receive a letter back saying they didnt have any proof basically and all ties with the debt had been dropped

today i have received a phone call from a new collection agency saying they have brought the debt from the original creditor and they expect me to start all over again with them if i want to disregard the debt.
now as its been such a long time i dont think i have the original letter i received back unfortunately, i can get the hard drive off my old laptop which will have copies of the originals i sent them but obv thats not proof i have already been through this.
the woman on the phone this morning said they are not interested wether i have alreday had this dealt with or not and not to bother enclosing the originals but surely they (the original creditor) has breached the terms about harrasment as i remember the letter saying along the lines of 'not to contact me or come onto my property etc'?

any advice would be very greatfully received

thank you

never-in-doubt

cejsmith wrote: »

shame that I suppose it only comes under the CCA if their view you have defaulted and it's in effect converted into a loan. If it is informal though can they ever take you to court over it?

It is informal meaning that it does not require any agreement, of course they can take legal action. Basically with an o/d - pay it or do a runner lol :rotfl::rotfl:

never-in-doubt

Playboy999 wrote: »

Hi NID,

I requested a true copy of my credit agreement from Littlewoods on 15/2. They replied on 26/2 saying they couldn't locate a copy of the exectued agreement and supplied the Terms & Conditions "for this type of account".

I replied on 1/3 putting the account in legal dispute stating that until they send me a copy of the credit agreement no payments will be made. They replied 16/3 saying they will contact me when a full investigation of my concerns has been made.

What do i do now & how long do i give them to respond?

Give it a month since last correspondence then send this: Debtors Final Response - No CCA Received

never-in-doubt

we_are_always_skint wrote: »

sorry if something like this has already come up or its in the wrong place but i just dont have the time to go through all 37 pages and i really need some advice as soon as possible if anyone would be kind enough

a good few years ago i sent martins template letter off reffusing all debt to a collection agency and did receive a letter back saying they didnt have any proof basically and all ties with the debt had been dropped

today i have received a phone call from a new collection agency saying they have brought the debt from the original creditor and they expect me to start all over again with them if i want to disregard the debt.
now as its been such a long time i dont think i have the original letter i received back unfortunately, i can get the hard drive off my old laptop which will have copies of the originals i sent them but obv thats not proof i have already been through this.
the woman on the phone this morning said they are not interested wether i have alreday had this dealt with or not and not to bother enclosing the originals but surely they (the original creditor) has breached the terms about harrasment as i remember the letter saying along the lines of 'not to contact me or come onto my property etc'?

any advice would be very greatfully received

thank you

Just send this to the new DCA: You know nothing of the Debt / Prove It

never-in-doubt

SonaNorris wrote: »

Recently Uploaded

I sincerely doubt the legitimacy of this and suggest the users here do not try and click the link

There is only way to do this, and that is the right way!

roadster

SonaNorris wrote: »

Recently Uploaded http : // vimeo. com/user3397646/videos How to get a refund from Barclays Partner Finance and e-mail the boss at Barclaycard Neil Radley

Hi
That link doesnt work, can get onto your page but no videos uploaded yet

Edit - Sorry NID didnt mean to but in

Playboy999

never-in-doubt wrote: »

Give it a month since last correspondence then send this: Debtors Final Response - No CCA Received

Thank you so much for your reply. I shall do that