DMP & Mutual Support Thread - Part 11

January2015

Little_Miss_Sunshine wrote: »

Thanks January. You've made some good points. I think we'll delay the start for a couple of months and move to self managed after about 6 months. The critical thing is the Mbna cards. Most of out sc payment will go to them and "if" it's unenforceable I don't want that to continue.
Advise much appreciated

Hopefully the delay will give you time to identify the enforceability (or otherwise) of the MBNA debts. Then you can include, or not, in your SC DMP from the start.

Once again - I am rooting for you re. unenforceable

Little_Miss_Sunshine

Rooting for you too with your cca's

sourcrates

You guys post back when you get responses on your CCA requests !!

January2015

sourcrates wrote: »

You guys post back when you get responses on your CCA requests !!

Definitely will.

I am watching the postman like a hawk. I think he thinks I'm stalking him !!!!

[Deleted User]

Little_Miss_Sunshine wrote: »

Thanks January. You've made some good points. I think we'll delay the start for a couple of months and move to self managed after about 6 months. The critical thing is the Mbna cards. Most of out sc payment will go to them and "if" it's unenforceable I don't want that to continue.
Advise much appreciated

My 2 biggest debts are with MBNA too so I'm keeping my fingers crossed for a successful outcome for you and watching your progress avidly;)

What happens to you in this case might well degtermine the steps I'll take next re: CCAing mine:beer:

January2015

carbootcrazy wrote: »

My 2 biggest debts are with MBNA too so I'm keeping my fingers crossed for a successful outcome for you and watching your progress avidly;)

What happens to you in this case might well degtermine the steps I'll take next re: CCAing mine:beer:

It wouldn't hurt to start the initial CCA process now, rather than waiting for the outcome of our 'investigations'. That way you will know what they hold document-wise and will have the knowledge whether to proceed to unenforceability or not that little bit sooner :beer:

[Deleted User]

January2015 wrote: »

It wouldn't hurt to start the initial CCA process now, rather than waiting for the outcome of our 'investigations'. That way you will know what they hold document-wise and will have the knowledge whether to proceed to unenforceability or not that little bit sooner :beer:

Thanks:T

Are there any template letters for this anywhere that you know of please? there seem templates for most things these days:j

January2015

carbootcrazy wrote: »

Thanks:T

Are there any template letters for this anywhere that you know of please? there seem templates for most things these days:j

Someone pointed me to a template letter, but I can't find the link. However, below is what I sent through (I didn't change anything, but would like to have acknowledge the original poster/link ). Remember not to sign with your signature, but sign electronically.

[FONT=&quot]Dear Sir/Madam[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] Account/Ref No: xxxx xxxx xxxx xxxx[/FONT]
[FONT=&quot][/FONT]
[FONT=&quot]With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement and a full breakdown of the account including any interest or charges applied. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] I understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] I enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] I understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] I look forward to hearing from you.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot] Yours faithfully[/FONT]
[FONT=&quot][/FONT]

[FONT=&quot]
[/FONT]

[Deleted User]

January2015 wrote: »

..... Remember not to sign with your signature, but sign electronically.

Thank you, January. You're a star:A

Just one last question though! Sorry to be so dim:o

What do you mean by signing electronically please? You'll have guessed that I'm not very computer-literate:rotfl:

January2015

carbootcrazy wrote: »

January2015 wrote: »

..... Remember not to sign with your signature, but sign electronically.

Thank you, January. You're a star:A

Just one last question though! Sorry to be so dim:o

What do you mean by signing electronically please? You'll have guessed that I'm not very computer-literate:rotfl:

Type the letter and change the font for your signature to a handwritten type font, e.g. Alex Brush, Brush Script etc.

Otherwise just handprint your name in capitals. Important part is do not use your signature.