Cca Requests Updates Please

Leixlip1

Icanandwillsavemoney - Mercers are Barclaycard in disguise, they are an in-house collection team.
I had a similar problem and just kept sending them a copy of the 12+2 default letter. I never received a meaningful reply to any letter I sent Barclaycard/Mercers. I made an official complaint and ended up complaining to the Ombudsman who sided with Barclaycard who promptly, and against the Act, sold my account on. This then led to CCA requests to RMA & Moorcroft - none of whom could supply a CCA. I haven't heard from Thames, who have the account now, for over 6 months as they cannot provide what probably doesn't exist.

Coffeetime

Anyone have an opinion on post 2263, pg114.

If anyone can give me some idea if these are enforceable or not.

Many thanks.

Bazza66

Coffeetime wrote: »

Anyone have an opinion on post 2263, pg114.

If anyone can give me some idea if these are enforceable or not.

Many thanks.

Did you try the CAG link I sent?

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful-19.html

10past6

Coffeetime wrote: »

Anyone have an opinion on post 2263, pg114.

It's an application form, application forms don't contain the prescribed terms = uneforceable.

Bazza66

Bit of advice required if I may.

Sent CCA request to 1st Cretins and heard nothing - sent the 12+2 and got the reply I posted earlier in this forum. I have not written back yet but today got a letter from LCS Solicitors basically saying "if our client does not recieve the money we may take you to court, blah blah blah"

Now the account is in default since no valid CCA as yet but since this is an inhouse legal division of 1st Cretins (it says so on the bottom of the letter) but do I sent a account is dispute letter to them? Seems pointless since they are the same company effectively?

Ideas anyone?

Bazza66

10past6 wrote: »

It's an application form, application forms don't contain the prescribed terms = uneforceable.

I agree - its looks like an application form. As for the second one it looks like its been folded over - wonder what was on the other side?

10past6

Bazza66 wrote: »

Ideas anyone?

If you got your CCA request in prior to them issuing that letter, then I'd ignore their toliet paper :rotfl:

Toffee_Penny

Hi guys! :beer: bit long winded but hope you can help?.....

I have been claiming the ol' ppi from several creditors and Monument sent a letter offering OH a refund of £1200, I wrote back special delivery on 17th February to accept.

OH received two letters at his MUM's HOUSE!! today, one from Monument to say debt been sold on to Lowell's on 27th February and one from Lowell's to say we now own the debt start paying up. Thing is the debt stands pre-refund amount

On closer inspection the two letters have the same barcode marking across the top and typed in the same font, totally different to the usual standard Monument letters. I suspect Lowell's wrote both! The fact that they have wrote to OH mum's house just takes the biscuit too!

We had to SAR Monument to get the ppi details and all they came back with was a signed Rapid Reply Card (application form really) and a standard printed terms and conditions with no signature boxes.

I'm not bothered who owns the debt, we spent it so have to pay BUT Monument obviously not playing ball and trying to get out of paying ppi refund and Lowell's? well, they writing to Mum's house

any ideas guys?

Bazza66

10past6 wrote: »

If you got your CCA request in prior to them issuing that letter, then I'd ignore their toliet paper :rotfl:

Since I have to write back stating

a) they sent me an application form an
b) they do not require a copy of my signature

I was wondering whether to mention that they should not be writing to me from their "legal division".

PS The letter came from 1st Cretins - I wouldnt even use it for toilet paper! :rotfl::rotfl:

10past6

Toffee_Penny wrote: »

any ideas guys?

If the address used is not the normal one they correspond to, ignore the letters.

Pity you OH does not speak to his mother

Oh, and you may like to send a letter to Monument, stating if payment is not made within 7 days, you will commence legal action, and reclaim any expense involved.