Unenforceability & Template Letters III

Tixy

Wow NID

First chance I've had to look through this new version - blimey the amount of time it must have taken, plus I see everyone was reallly good and didn't post to soon. Had I seen you create it I might have been tempted to randomly add a post on the first page :whistle::whistle::D

Very impressed with the amount of work thats gone into this. Seriously though - Mrs Niddy must think you are physically attached to your computer

DGJsaver

Why isnt this thread stickied at the top by the MSE team , is it becuse they cant be seen to be condoning unenforceablity ?

Im-Blue

Hiya

what a really good thread im new to this but was mooching around because I have just seen I have three defaults on my account (which I am trying to get rid of thru sympathy vote!) and come accross this thread..

it seems quite interesting - but is there a way to do this without getting into default? I.e not stopping payments & offering full & final settlements to creditor if debt is unenforceable?

never-in-doubt

Tixy wrote: »

Wow NID

First chance I've had to look through this new version - blimey the amount of time it must have taken, plus I see everyone was reallly good and didn't post to soon. Had I seen you create it I might have been tempted to randomly add a post on the first page :whistle::whistle::D

Very impressed with the amount of work thats gone into this. Seriously though - Mrs Niddy must think you are physically attached to your computer

Hi Tixy

Hows it going? The thread will be better - still lots more to add/amend but its a blank canvas with everything reserved for the first two pages so should be better than the last one where you had to hunt 100+ pages to get any info!

I am having problems storing the images but may add them to one of my business sites in a hidden area - hmmmm (imageshack keeps going down!).

Nobody posted cos I was clever and block booked the first 35 posts or so - however I started late late at night when most people were in zzzzzz land! :rotfl: :rotfl:

So it has your seal of approval then? Remember to amend your bookmarks lol

never-in-doubt

Im-Blue wrote: »

Hiya

what a really good thread im new to this but was mooching around because I have just seen I have three defaults on my account (which I am trying to get rid of thru sympathy vote!) and come accross this thread..

it seems quite interesting - but is there a way to do this without getting into default? I.e not stopping payments & offering full & final settlements to creditor if debt is unenforceable?

If you already have 3 defaults then part 2 of your post makes no sense - if you want to waste money then send me it and i'll ensure that you are no longer liable for it! lol

I hope you see the sarcasm in the way it's intended (in jest)

Put simply, yes you can send for CCA etc and if it comes back Unenforceable then you can make an offer if you like, but why? Its throwing money at something that is unlawfully eligible to demand the money....? Make sense?

But to be fair not many lenders will accept a F&F offer, usually the DCA's do and also lenders will not agree to removal of default for payment - however a DCA will.

Im-Blue

never-in-doubt wrote: »

If you already have 3 defaults then part 2 of your post makes no sense - if you want to waste money then send me it and i'll ensure that you are no longer liable for it! lol

I hope you see the sarcasm in the way it's intended (in jest)

Put simply, yes you can send for CCA etc and if it comes back Unenforceable then you can make an offer if you like, but why? Its throwing money at something that is unlawfully eligible to demand the money....? Make sense?

But to be fair not many lenders will accept a F&F offer, usually the DCA's do and also lenders will not agree to removal of default for payment - however a DCA will.

Part two probably didnt make sense, sorry.

what i mean is, i have three defaults on my credit file for measley amounts (two mobile phone bills circa £50 each and one what i owed bank circa £400) which are all paid so am trying to get them removed... but if they aren't removed then they will be "falling off" credit file in just over a year anyway, which is why im not too keen on getting another default which will last 6 years...

But I am keen on maybe trying this i have an outstanding loan for £11,500 roughly... but don't want the default! :-(

If it went to DCA's would'nt i get a default from the lender anyway, even if I was successful with F&F with DCA?

never-in-doubt

DGJsaver wrote: »

Why isnt this thread stickied at the top by the MSE team , is it becuse they cant be seen to be condoning unenforceablity ?

Apparently we need several people to request it by emailing the site team.... I've asked before, i.e. the first thread had 44,000 views and the second had 90,000 views and this has had 2,000 in the first 2 days!

I personally think it has a lot more need than some of the carp that is stickied but then I would say that as i'm the author.....

If I recall, MSE like to call unenforceability a 'loophole' which I usually have to correct, especially from MSE Guy :mad: :mad: :mad:



* Note for neutrals - Unenforceability is a right and an act that was passed in parliament - loophole? Where? Show me? Define the word...? :rotfl:

midastouched_2

Hi Never-in-doubt.

I've sent the CCAs to LTSB and look forward to their responses.

I know you're a busy man but I've just sent you a PM regarding some moral issues

Thanks again for all your hard work. Those flow-charts make the whole process crystal clear. :beer:

DGJsaver

If you dont adhere to the agreement , you will get a default in any event at some point from the OC , why would they accept a f&f offer when you are still paying them ?!?
Put simply you wont get a yes to any f&f offer until you have a default and the account is with a DCA

DGJsaver

never-in-doubt wrote: »

Apparently we need several people to request it by emailing the site team.... I've asked before, i.e. the first thread had 44,000 views and the second had 90,000 views and this has had 2,000 in the first 2 days!

I personally think it has a lot more need than some of the carp that is stickied but then I would say that as i'm the author.....

If I recall, MSE like to call unenforceability a 'loophole' which I usually have to correct, especially from MSE Guy :mad: :mad: :mad:



* Note for neutrals - Unenforceability is a right and an act that was passed in parliament - loophole? Where? Show me? Define the word...? :rotfl:

Hear you man :beer: