Unenforceability Help Required

[kamba]

Re: Unenforceability Help Required

Letter has been sent to wescot to advise of dispute and just thank you email to Halifax stating I will persue debt at unenforceable

sorry only just seen this message :-(

ok from now on I will just chill before jumping the gun thanks for all support

[Never-In-Doubt]

Re: Unenforceability Help Required

Why?? Don't send anything, and don't let it wind you up - what were you expecting a letter admitting they were wrong and a grovelling apology? Just ignore this and see what comes next, keep us updated.

[kamba]

Re: Unenforceability Help Required

Just opened letter from Halifax stating that debt is enforceable and in a nut shell do what you want we will persue the debt

Going to send them a Final Response UE letter now as they just a complete joke

[kamba]

Re: Unenforceability Help Required

missing PT letter sent to Halifax they contacted me over weekend advised account is enforceable and they will be persuing debt. they rang house phone so said Its UE and i will be fighting it

today Wescot rang and stated that they are chasing debt told them account is in clear dispute and UE they have now suspended account awaiting investigations

I am also now sending them a letter of account in clear dispute along with although Halifax believe the signed agreement they have found makes the agreement enforceable it is still UE due to missing Prescribed Terms

Await to see what happens

[kamba]

Re: Unenforceability Help Required

Thanks MrsD

[MrsD]

Re: Unenforceability Help Required

there you go

http://www.all-about-debt.co.uk/old/...escribed-terms

[kamba]

Re: Unenforceability Help Required

guys i am unable to download missing PT template on the following link can someone help

http://www.all-about-debt.co.uk/old/...t-of-reference

[Never-In-Doubt]

Re: Unenforceability Help Required

From your email(s) to me, check document WWK196 (the signed agreement page) and then scroll down and you’ll see at term 3.7 it mentions linking to 12.2 in relation to giving notice, then below this in term 4.2 it mentions interests and charges and links to term 5.

So if we now look at document WWK207 (the terms pages), and find term 12.2 it relates to authorisation of transactions. On document WWK205 term 5 does indeed link to Charges so you have to ask how their recon can link to one correct and on incorrect term within the same linked document.

This is fishy mate, I would say it is unenforceable. Respond with missing PT's template

[kamba]

Re: Unenforceability Help Required

thanks Niddy

[Never-In-Doubt]

Re: Unenforceability Help Required

But I've got 2 sets of terms which aren't here. I'll check it at the weekend and update.

[oscar]

Re: Unenforceability Help Required

Actually, bottom of the p age refers to Condition 5 - so if that's all there is they definitely look incomplete

[oscar]

Re: Unenforceability Help Required

Those look incomplete and like complete and utter dog shit to me. The T&Cs only go up to No 4 and I cant see mention of another document.

However, let Niddy decide - he knows most out of any of us.

[kamba]

Re: Unenforceability Help Required

yes guys fingers crossed if it werent for Niddy I would be on melt down by now

[IF]

Re: Unenforceability Help Required

Niddy has been sent a copy of the agreement for inspection also

send that and the recon terms to niddy at agreements@all-about-debt.co.uk and he will tell you if its enforceable or not.

kamba has sent Nid a copy SXGuy, so fingers crossed it is UE

[Deepie]

Re: Unenforceability Help Required

Niddy has been sent a copy of the agreement for inspection also

send that and the recon terms to niddy at agreements@all-about-debt.co.uk and he will tell you if its enforceable or not.