HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

Hi Jilly,
Because of your particular circumstances, I've amended the templates into one letter to include, illness, non receipt of CCA request and doorstep visit threat.
I would send them this:



Again, no proper signature. If you used a digital font for the CCA Request, use the same one.
Send by recorded if you can.

Elsa x

Thank you Elsa do you think it wise to include a copy of my partners dla letter with high care & mobilty entitlement?

[joshing]

Re: HELP! disabled with so much debt

Its so annoying because with capital one we had a ppi even though he was self employed, we had to fight to get them to pay out when he first became ill then I specifically asked if it was still worth paying as he had been diagnosed but did not know if he would return to work. They said yes, 2 years later they declined to pay as it was the same illness, they reduced balance by £158 for the monthly ppi, which we have not seen as we havent had a statement since, only threats.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
Because of your particular circumstances, I've amended the templates into one letter to include, illness, non receipt of CCA request and doorstep visit threat.
I would send them this:

Account No/Reference No: XXXXXXXX
Dear Sirs,
I am in receipt of your letter of xxxx in which you state that you intend to visit my home to discuss the above debt.
There is obviously a lack of communication between you and your client, as on (date) they signed for receipt of a request for a copy of the agreement requested under s77-79 of the Consumer Credit Act. To date they have not responded therefore my request is outstanding, which makes your threat inappropriate and tantamount to harrassment.
Furthermore, as I am seriously ill and disabled, I am unable to cope with either doorstep visits or telephone harrassment, therefore please be advised that I will only communicate with you in writing.
I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. I have sought advice on this and remind you that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you for the reasons stated.
As I'm sure you are aware, there is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

I therefore suggest that you refer back to your clients who should ensure that the account is put on hold until they are able to supply the requested documentation, and supply confirmation that all further communication will be in writing only.

Yours faithfully,

Again, no proper signature. If you used a digital font for the CCA Request, use the same one.
Send by recorded if you can.

Elsa x

[helmsman]

Re: HELP! disabled with so much debt

After hearing from Niddy about LTS felt a bit better then this letter arrived this morning from cougar for capital one. OMG just what i was hoping to avoid. what do you think guys?

Hi,
Don't worry about power to contact if they turn up which they rarely do just say no thanks I only communicate via letter and shut the door they have no right to do anything. There is also a template on here to send to them refusing a visit. Really don't worry about them. and use the pisspot as well

[The Tech Clerk]

Re: HELP! disabled with so much debt

After hearing from Niddy about LTS felt a bit better then this letter arrived this morning from cougar for capital one. OMG just what i was hoping to avoid. what do you think guys?

Write:- Your Power2contact has been recinded.


Note the May vist you = usual threatogram? mind you why not do anything the old way using the Pisx pot out of top window?lol

[joshing]

Re: HELP! disabled with so much debt

Hi everyone cca's have been received as signatures obtained albeit really bad ones, signed and written Andrew & credit solutions on the other one.I have attached for all to see or rather I hope I have[ATTACH]8631[/ATTACH]



Also a couple of letters we have received, thoughts please?

Yes had a signature from cougar finance just printed Andrew I do believe, it makes me wonder if they are taught to sign stupidly so they can deny all knowledge, I have a copy on here in a previous post.

[Undercover Elsa]

Re: HELP! disabled with so much debt

They're supposed to supply it within 12 days of receiving the CCA Request, but rarely do. However they should acknowledge and state they'll hold action until they can supply it.

Just remind me...Did you get confirmation of delivery on this one?

[joshing]

Re: HELP! disabled with so much debt

Still have not had a notification of receiving cca from capital one or vanquish either. How long do they have to reply?

[joshing]

Re: HELP! disabled with so much debt

After hearing from Niddy about LTS felt a bit better then this letter arrived this morning from cougar for capital one. OMG just what i was hoping to avoid. what do you think guys?

[Undercover Elsa]

Re: HELP! disabled with so much debt

Could be a while. A bit of peace for you

[joshing]

Re: HELP! disabled with so much debt

Had a letter from Apex today to say account put on hold and returned to original lender. wonder how long it will be before we hear from them.

[joshing]

Re: HELP! disabled with so much debt

Send it to Niddy for a look----> agreements@all-about-debt.co.uk

Thank you I will, now scaning so i can send

[joshing]

Re: HELP! disabled with so much debt

I'd be very wary as well, technically you shouldn't have been ordering from this one as it's not in your name. Personally I'd just get it paid off as best you can.

Yes I agree. It was always mine as ex hubby never had anything to do with stuff like that, just an oversight on m part that it says Mr.

[MrsD]

Re: HELP! disabled with so much debt

I'd be very wary of doing that tbh..see what others think...

I'd be very wary as well, technically you shouldn't have been ordering from this one as it's not in your name. Personally I'd just get it paid off as best you can.

[Deepie]

Re: HELP! disabled with so much debt

Received cca from lloyds this morning, signed copy of agreement with no date & some other docs with terms & conditions, cnt even remember signing these so was a long while ago, we are thinking 2006/7. It says it is enforcible!

Send it to Niddy for a look----> agreements@all-about-debt.co.uk