HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

But very annoyingly iv had a letter from capquest, new one on me." Welcome to capquest were now looking after your account" This is ref lloyds credit card , enforcible! ignoring for now.

[joshing]

Re: HELP! disabled with so much debt

Fantastic reply from very old cataloque debt accepting they cannot enforce payment.. Thanks Niddy!

[joshing]

Re: HELP! disabled with so much debt

Letter dated 19th jan from lowells re vanquis long time no hear. quite polite we would like to help you clear your debt. Im ignoring for now hope thats right.

[joshing]

Re: HELP! disabled with so much debt

As Niddy said it was enforcible and to send mptc thats what i did so we will see what happens next.

[SaltnVinegar]

Re: HELP! disabled with so much debt

If Muck Hall have sold the account to Lowells, then it is very likely that they will not have transferred the history of the account also. I would be tempted to wait until you get the first volley of letters from Lowell and then play dumb and start the whole CCA process over again, and send a CCA request to Lowells and see what they manage to dig up.

You can always negotiate a payment plan with them if things get dicey

Best
SnV

[Undercover Elsa]

Re: HELP! disabled with so much debt

Ahhh OK, was hoping it was nearer to Statute Barred.

Nonetheless carry on blagging! Let us know what the Leeds Losers send next...

[joshing]

Re: HELP! disabled with so much debt

Damn! Sorry to hear that Joshing.
There's a lot of members who manage to keep blagging even the enforceable ones though, so hang fire until Lowells write again and keep us informed of every letter.
Just remind me, when was the last time you paid this?

Elsa x

Hi Elsa if i remeber correctly it was april 2013. Did have a repayment plan but stopped paying.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Damn! Sorry to hear that Joshing.
There's a lot of members who manage to keep blagging even the enforceable ones though, so hang fire until Lowells write again and keep us informed of every letter.
Just remind me, when was the last time you paid this?

Elsa x

[joshing]

Re: HELP! disabled with so much debt

well well well, after asking for a cca from vanquis in may 2013 they have finally sent me something, sending to Niddy to be checked but I think its enforcible. why did they not send it before if they had it, and it took mackenzie hall to put a firework up their bum, suppose they will be on our case again now.

Well yes it is enforcible! got a letter from mackenzies saying still investigating complaint & then this morning one from lowells saying it had been sold to them.

[Undercover Elsa]

Re: HELP! disabled with so much debt

See what Niddy says

[joshing]

Re: HELP! disabled with so much debt

well well well, after asking for a cca from vanquis in may 2013 they have finally sent me something, sending to Niddy to be checked but I think its enforcible. why did they not send it before if they had it, and it took mackenzie hall to put a firework up their bum, suppose they will be on our case again now.

[joshing]

Re: HELP! disabled with so much debt

The key date is April 2007, when the law changed. See what Niddy says to it...although it might be a few days before you get a response.

ok no probs and thanks

[Undercover Elsa]

Re: HELP! disabled with so much debt

The key date is April 2007, when the law changed. See what Niddy says to it...although it might be a few days before you get a response.

[joshing]

Re: HELP! disabled with so much debt

They are allowed to send reconstituted agreements, but they must be accurate, have the T&C's from inception and as varied, and the name and address from the time the agreement was taken out.

You need to send an unedited copy of this for Niddy to check. You do that via the new upload page (it's completely secure): http://forums.all-about-debt.co.uk/f...?do=form&fid=4

Just remind me, when did you take this out?

probably 7/8 yrs ago not sure, I was hoping that the details they sent me would have all that on.

[Undercover Elsa]

Re: HELP! disabled with so much debt

They are allowed to send reconstituted agreements, but they must be accurate, have the T&C's from inception and as varied, and the name and address from the time the agreement was taken out.

You need to send an unedited copy of this for Niddy to check. You do that via the new upload page (it's completely secure): http://forums.all-about-debt.co.uk/f...?do=form&fid=4

Just remind me, when did you take this out?