twins 2 financial statement

[SaltnVinegar]

Re: twins 2 financial statement

Barclaycard credit card
Good morning,
i have received the usual letter from mercers which does not tell me anything new same old rubbish!
But today I have received a letter from barclaycard stating that they cannot find the original cca,they have sent me a copy of the terms and conditions.They go on to say they accept they are prevented from enforcing the debt while this state of affairs continues.They still insist i should be making payments.
Is this good news?Any advice?
Thanks in advance twins2.

This is better than good news - its fantastic news!

They are within their right to ask you to make payments, just as you are in your right to refuse to do so until they comply with your CCA request.

Keep that letter very very safe. I'd recommend scanning it and emailing it to yourself so you always have a copy.

At some point the debt will likely to be sold to an external DCA so that letter will be needed!

Well done!

SnV

[twins2]

Re: twins 2 financial statement

This is better than good news - its fantastic news!

They are within their right to ask you to make payments, just as you are in your right to refuse to do so until they comply with your CCA request.

Keep that letter very very safe. I'd recommend scanning it and emailing it to yourself so you always have a copy.

At some point the debt will likely to be sold to an external DCA so that letter will be needed!

Well done!

SnV

Thank you everyone, will make copys and do everything you advise,i am so glad i found all of you on this site ,i now sleep soundly again and the weight that was on my shoulders as lifted.

[ScabHunter]

Re: twins 2 financial statement

Is this good news?

No.

It is news.

I have seen a great many posts of this type over the past four years, both on this forum and the one I used to post on before AAD started. Sharklaycard are legendary for losing paperwork.

Any advice?
Thanks in advance twins2.

The only advice is to keep the letter safe. I would even scan it and then upload the digital version to the free Amazon cloud. That way, even if my house burned down or a burglar cleaned me out of absolutely everything, I would still be able to print off the evidence I needed.

SH

[twins2]

Re: twins 2 financial statement

If it's UE, why would you pay anything?

Also bear in mind that making any settlement offers will reset the SB clock!
It is THE BEST NEWS!

They can insist all they want, that's all they can do!

Barcraps are notoriously bad at filing!
I'm still waiting for someone to send my MBNA no CCA letter to... been waiting nearly 3 years!

Capitol one credit card
Hi,
no i wont be even be replying to capitol one,out of all of my creditors they have been the biggest pain.

[ScabHunter]

Re: twins 2 financial statement

capitol one,out of all of my creditors they have been the biggest pain.

Now, why doesn't that surprise me?

SH

[twins2]

Re: twins 2 financial statement

No.

It is news.

I have seen a great many posts of this type over the past four years, both on this forum and the one I used to post on before AAD started. Sharklaycard are legendary for losing paperwork.



The only advice is to keep the letter safe. I would even scan it and then upload the digital version to the free Amazon cloud. That way, even if my house burned down or a burglar cleaned me out of absolutely everything, I would still be able to print off the evidence I needed.

SH

Barclaycard credit card
Good morning,
today i have recieved a letter from Mercers debt collections,
they are now dealing with my account and if i do not contact them with my proposals to pay they may send a agent to visit my home to discuss the repayemt of my debt.
How should i reply?
Thanks in advance twins2.

[ScabHunter]

Re: twins 2 financial statement

Barclaycard credit card
Good morning,
today i have recieved a letter from Mercers debt collections,
they are now dealing with my account and if i do not contact them with my proposals to pay they may send a agent to visit my home to discuss the repayemt of my debt.
How should i reply?
Thanks in advance twins2.

Mercers are part of Sharklays so it has just gone to the threat monkey on the next desk.

I would send them this -

Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)

along with a copy of the letter from Sharklaycard confirming that no CCA exists.

Also, send them this -

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

You'll need to amend it slightly if you have had no telephone harassment.

SH

[Deepie]

Re: twins 2 financial statement

Barclaycard credit card
Good morning,
today i have recieved a letter from Mercers debt collections,
they are now dealing with my account and if i do not contact them with my proposals to pay they may send a agent to visit my home to discuss the repayemt of my debt.
How should i reply?
Thanks in advance twins2.

Mercers are part of Sharklays so it has just gone to the threat monkey on the next desk.

I would send them this -

Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)



along with a copy of the letter from Sharklaycard confirming that no CCA exists.

Also, send them this -

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

You'll need to amend it slightly if you have had no telephone harassment.

SH

This might be more appropriate-----> CCA Query - Letter Previously Confirming No CCA

[twins2]

Re: twins 2 financial statement

This might be more appropriate-----> CCA Query - Letter Previously Confirming No CCA

Many thanks to you both will post them recorded delivery first thing in the morning,twins2

[ScabHunter]

Re: twins 2 financial statement

This might be more appropriate-----> CCA Query - Letter Previously Confirming No CCA

Many thanks to you both will post them recorded delivery first thing in the morning,twins2

My sincerest apologies to you twins2.

The letter which I2D has posted was the one I was looking for and didn't find. I must make my own index of these templates so I can find them more easily.

Post that one, and not the one I suggested, along with a copy of the Sharklaycard letter, and the doorstep harassment template.

The Final Response can then be kept in reserve for a future occasion.

I'll give myself one of these -



SH

[twins2]

Re: twins 2 financial statement

Barclaycard credit card
Good morning,
today i have recieved a letter from Mercers debt collections,
they are now dealing with my account and if i do not contact them with my proposals to pay they may send a agent to visit my home to discuss the repayemt of my debt.
How should i reply?
Thanks in advance twins2.

Good morning all,
today i have received a letter from barclaycard thanking me for the letter i sent to mercers,they again state that they accept that they cannot enforce the agreement but will still try to collect the debt.
Also i think i have had a doorstep vist from one of my creditors, my silly daughter(aged 18)gave them my mobile number to contact me,i was not best pleased with her,i dont know which company they were from has they did not give her their name.I am sitting waiting for them to start and bagger me on the mobile!
Many thanks twins2.

[Pixie]

Re: twins 2 financial statement

Don't be too hard on your daughter. I know it's annoying but she was probably just trying to be helpful.

When they start pestering you with the phone calls send them Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

You can check phone numbers on Who called me? Free reverse phone directory.

I can guarantee that all the dcas numbers will be on there!

[twins2]

Re: twins 2 financial statement

MBNA credit card
Good morning i have sent the final response letter as advised and i have received a reply stating that i quote"we note your comments regarding the unenforceability,or otherwise,of the agreement.We are not currently attempting to enforce the agreement and any decision on this matter can only be made by court".They have enclosed a copy of the oft guidance.
They go on to say the debt still remains due.
They end with "your letters seem to imply that you are refusing to pay in the belief that the agreement is unenforceable.Please can you confirm if this is the case."Any advice if i should reply or not?
thanks in advance twins2

Good afternoon,
today i have received a letter from credit management consultants ltd,they have given me 14 days to make contact or they will send a licensed field agent who will attempt to call at my property.
This is my MBNA credit card which is i am trying to spin this one out until early next year when i will be in a position to offer a f&f,any advice will be much appreciated.
Regards twins2.

[Deepie]

Re: twins 2 financial statement

Good afternoon,
today i have received a letter from credit management consultants ltd,they have given me 14 days to make contact or they will send a licensed field agent who will attempt to call at my property.
This is my MBNA credit card which is i am trying to spin this one out until early next year when i will be in a position to offer a f&f,any advice will be much appreciated.
Regards twins2.

I Would send this if it were me---> Harassment & Threat of Doorstep-Visit

[twins2]

Re: twins 2 financial statement

I Would send this if it were me---> Harassment & Threat of Doorstep-Visit

Thanks will post that out today.