Unenforceability & Template Letters III

never-in-doubt

sw1sst wrote: »

I admit it, I used Monster Claims

Don't worry mate - they probs won't take you on cos they realise they're treading dodgy ground - period!

sw1sst wrote: »

My Aunt (a JP in the northeast, who I see every blue moon), actually put me onto them, so I can't take all the credit...

Never trust a woman's judgement mate :rotfl::rotfl::eek:

sw1sst wrote: »

N-I-D, I don't get the part in brackets..I have been paying the minimum balance every month religously.

Whats your balance and how much are you paying them? Is this the only DMP account or have you others....?

sw1sst wrote: »

the letter from Monsters solicitors means that they haven't decided to take the work on. but does that mean it's a non goer? I take it from the length of this thread that it doesn't.

God no mate - it'll be fine, I just need more details

sw1sst wrote: »

will I be needing to find the money to "pay off" my card should all this go pete tong ?.

No chance - stop worrying, the debt is already unenforceable but we have to assume Monster did things right to date, so send the letter as advised and see what they come back with and let me know.....

I_Love_Crisps

Hi Nid, of course you are doing a fantastic job...you are :A!

You looked at may Cap One and it was unenforceable, I sent the old version of letter template 3.1 after they sent an old application form, did'nt hear anything for a month, but now the phonecalls and letters demanding payment have started...do I send another letter or ignore?

Cheers again...:beer:

never-in-doubt

I_Love_Crisps wrote: »

do I send another letter or ignore?

Cheers again...:beer:

Morning - send this - Debtors Final Response - CCA Received :D:D

libbyjade

Just thought I'd pop in and say good morning to you and all your dedicated followers.

Hope today is looking a bit brighter than yesterday mate.:D

Pugface_2

Hi NID,

Thanks about the last lot of advice with my Crap1 and Abbey cards.

I've sent off the letter you recommended to Crap1 and have been in touch with Abbey.

Haven't as yet heard anything back from Crap1, but the Abbey lot are saying that they'll take a part payment, and that this will be recorded on my credit file as a partial payment which reading through the rest of the posts I really don't want them to do. It's only been by phone at the moment and I'm waiting for them to actually send me through the letter they've said about that will give me my options.

Also though (sorry), just wanted to check about my Barclaycards. They sent through reconstituted versions of the terms and conditions and didn't send through anything that had my signature on it.

I sent through the "lets be nice" letter to try and get a proper copy of an agreement only to get back a "definitely not" letter.

I'm getting letters and calls (constantly) from Calder, who I then sent through the "account sold while in dispute letter", but I still keep getting calls from them at least about 6 times each day on the land line and mobile. So it looks like they've ignored my letter.

What do you think I should do next?

Thanks in advance - I really appreciate all the help you're giving us.

never-in-doubt

libbyjade wrote: »

Just thought I'd pop in and say good morning to you and all your dedicated followers.

Hope today is looking a bit brighter than yesterday mate.:D

Morning matey - its lovely and sunny, Niddy's slept and today can only get better :D:D

Hows things? Thanks for cheering me up last night mate - appreciate it :T:T

never-in-doubt

Pugface wrote: »

I've sent off the letter you recommended to Crap1

Ok when they get back in touch let me know yea?

Pugface wrote: »

and have been in touch with Abbey.

Not by phone? Please tell me you never rung them? :mad:

Pugface wrote: »

Haven't as yet heard anything back from Crap1,

Only been a matter of days - give it time....

Pugface wrote: »

but the Abbey lot are saying that they'll take a part payment, and that this will be recorded on my credit file as a partial payment which reading through the rest of the posts I really don't want them to do. It's only been by phone at the moment and I'm waiting for them to actually send me through the letter they've said about that will give me my options.

Wait and see what they send back - regardless, you need to really wait til they default you and sell it to a DCA then you can haggle better.... but lets wait and see what they say before worrying - STOP SPEAKING TO THEM ON THE PHONE! :mad::mad::mad:

Pugface wrote: »

Also though (sorry), just wanted to check about my Barclaycards. They sent through reconstituted versions of the terms and conditions and didn't send through anything that had my signature on it.

Now time to move to completion, send this then you ignore them from here-on-in: It is unenforceable and remains so until they send a signed copy of your agreement. Debtors Final Response - CCA Received

Pugface wrote: »

I'm getting letters and calls (constantly) from Calder, who I then sent through the "account sold while in dispute letter", but I still keep getting calls from them at least about 6 times each day on the land line and mobile. So it looks like they've ignored my letter.

Send Calder this letter here: Harassment by Telephone - Follow Up

That should sort them both out for now, but you have to stop speaking to these muppets! :D:D

Pugface_2

Hi NID,

I'm getting the feeling (don't know why) that you don't like people doing things over the phone :-)

Sorry - I consider myself well and truly told off, and will never do it again. Honest!

The debt was for £15,000 and they've said that they'll consider "up to" £6000. Do you think that the DCA will be open to a better offer?

Thanks about the letters to send to Barclaycard and Calder. I'll get them sent off today.

Cheers - you really do deserve a medal for all you're doing.

libbyjade

never-in-doubt wrote: »

Morning matey - its lovely and sunny, Niddy's slept and today can only get better :D:D

Hows things? Thanks for cheering me up last night mate - appreciate it :T:T

Haha - Reminds me of an old classic D-Ream tune!:j
I'm cool mate, just lurking in the background, no news on any of mine

never-in-doubt

Pugface wrote: »

I'm getting the feeling (don't know why) that you don't like people doing things over the phone :-)

If I didn't know better i'd say you're extracting urine? hahaha

Pugface wrote: »

The debt was for £15,000 and they've said that they'll consider "up to" £6000. Do you think that the DCA will be open to a better offer?

£6k is a good offer, considering but before you agree you want it recorded as a FULL & FINAL SETTLEMENT. You need them to confirm the following points, within this template: Default Removal - Offer of F&F Settlement :D:D

However wait for their letter and then we'll incorporate it into this one and get them told!