We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Unenforceability & Template Letters II

Options
1…244245247249250…252

Comments

  • underworld
    underworld Posts: 31 Forumite
    Hi NID,

    I've uploaded the section you were talking about here to photobucket.....
    http://forums.moneysavingexpert.com/showpost.html?p=30256697&postcount=2474.........entitled "Section 11"


    It's still barely readable but I can't spot any prescibed terms but you will know for sure.

    Failing that should I send them the letter you referred to here?...

    http://forums.moneysavingexpert.com/showpost.html?p=30035061&postcount=2257

    My link......

    http://s879.photobucket.com/home/underworld_44/index

    Thanks in advance.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    underworld wrote: »
    Hi NID,

    I've uploaded the section you were talking about here to photobucket.....
    http://forums.moneysavingexpert.com/showpost.html?p=30256697&postcount=2474.........entitled "Section 11"


    It's still barely readable but I can't spot any prescibed terms but you will know for sure.

    Failing that should I send them the letter you referred to here?...

    http://forums.moneysavingexpert.com/showpost.html?p=30035061&postcount=2257

    My link......

    http://s879.photobucket.com/home/underworld_44/index

    Thanks in advance.


    Lloyds & Morgan Stanley = both unenforceable mate. :T :T

    Send this; to both:: 3. CCA Query
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • underworld
    underworld Posts: 31 Forumite
    never-in-doubt wrote: »
    Lloyds & Morgan Stanley = both unenforceable mate. :T :T

    Send this; to both:: 3. CCA Query


    Thankyou :beer:

    Two down, four to go :D

    You're an absolute star.
  • roadster
    roadster Posts: 152 Forumite
    Hi NID

    Just a quicky - just checked my Experian records and there is an entry marked with a U from Raphaels Bank. I dont have an account with them or a least i dont think so. The credit limit marked is similar to one of the cards I have CCA'd could they be Monument ? Does the U mean unenforceable lol

    All quiet at the mo on other fronts (bet i get loads of letters tom for saying that) other than a few phone calls, i have answered some and blanked a few and a letter from Triton threatening to take over the account if I dont contact Mint ASAP.

    Thanks NID :beer:
    A Bank is a place where they lend you an umberella in fair weather and asks for it back when it begins to rain - I hate them all
  • St0lli
    St0lli Posts: 594 Forumite
    Part of the Furniture
    Hi Niddy

    Guess what?! Optima/MBNA have come up with my signature on a tear off slip which I signed in August 01. Bearly readable but can you have a look and see what you think please? I'll also PM 10past6 as this is the CCJ thing, but I would value your opinion as well please....
    http://s934.photobucket.com/albums/ad189/peedee123_album/Optima%20MBNA%20Signature/
    Light Bulb Moment 4th January 2009 :eek:
    Started DMP 1st April 2009 :A
    DMP mutual support thread member: 267 :j
  • St0lli
    St0lli Posts: 594 Forumite
    Part of the Furniture
    And todays post has brought.....

    A letter from Lloyds TSB which says 'Once we've issued our final response, we won't normally continue to correspond with you about the same matter. As explained in our final response letter dated 6th Feb 2010, if you're still unhappy you have six months from this date to refer your complaint to the Financial Ombudsman Service for an independant review. We have now closed our file, but we will of course retain any further correspondence you may send and co-operate fully with the FOS if you decide to ask them to look into your complaint.'

    This was in response to my letter saying I wanted to receive an exact copy of what they hold and not a typed agreement with reconstituted details on it.

    Where do I go from here? Oh how I miss the confused icon!!!
    Thanks
    St0lli
    Light Bulb Moment 4th January 2009 :eek:
    Started DMP 1st April 2009 :A
    DMP mutual support thread member: 267 :j
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    St0lli wrote: »
    Hi Niddy

    Guess what?! Optima/MBNA have come up with my signature on a tear off slip which I signed in August 01. Bearly readable but can you have a look and see what you think please? I'll also PM 10past6 as this is the CCJ thing, but I would value your opinion as well please....
    http://s934.photobucket.com/albums/ad189/peedee123_album/Optima%20MBNA%20Signature/


    All they sent is a signature form right? There are no prescribed terms on it, are there? You must appreciate I cannot read anything on it lol - but the same rule goes, no prescribed terms etc = unenforceable.

    Regards Lloyds, as it is unenforceable and they have now 'closed their files' - tough! Time to ignore the cheeky beggars lol. :rotfl:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • DGJsaver
    DGJsaver Posts: 2,777 Forumite
    Hey Nidy , how you doing , as regards our two CCA ongoing requests...Barclay card and Bloan...since sending the letters asking nicely for the actual copy not a `true` copy , its all gone very quiet....a little too quiet.......should i fire off both CCA dispute letters yet to try and draw a line my end ?
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    DGJsaver wrote: »
    Hey Nidy , how you doing , as regards our two CCA ongoing requests...Barclay card and Bloan...since sending the letters asking nicely for the actual copy not a `true` copy , its all gone very quiet....a little too quiet.......should i fire off both CCA dispute letters yet to try and draw a line my end ?

    No mate - see above advice, same outcome - you ignore em after that letter has been sent. no need to do their jobs for them mate - that's fine. :D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • DGJsaver
    DGJsaver Posts: 2,777 Forumite
    never-in-doubt wrote: »
    No mate - see above advice, same outcome - you ignore em after that letter has been sent. no need to do their jobs for them mate - that's fine. :D:D


    Your the Boss :D
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture