Help with Unenforceability [UPDATED 01/2020]

[Never-In-Doubt]

Re: Help with Unenforceability

Ok I'll reply via email & update this in a bit.

[Aile5]

Re: Help with Unenforceability

Can you now send a CCA Request to 1st Credit --> http://www.all-about-debt.co.uk/inde...22-cca-request

** You must login to the templates first, then come back and click the link above. Lets see whether they can provide the agreement. You have my email address so when they send the CCA Documents, email me a copy of whatever is sent...

Hi
Thanks for reply, though have sent all the letters and they did sent paperwork. Same stuff I received 4 years ago as this has been going on since then from I stopped paying, but have emailed you as requested.thanks

[Never-In-Doubt]

Re: Help with Unenforceability

hi,
the original creditor was HBOS, sold to 1st credit approx. july 2012
Balance £14,507 (a few grand of this has been interest and extra charges after I stopped paying)
I need to double check the date last paid but its approx January of either 2010 or 2011. (def one of these 2, I just need to dig out the paperwork). As I had said above they had sent me letters threatening doorstep agent and chasing payment. I didn't reply, then 3 letters in one week, 1 asking payment within 14 days, the other said that they could help me repay and the third was an offer to pay back the balance and they gave me £3k reduction. I just ignored all these and that was about 2 weeks ago, gone quiet again probably not for long. Thanks

Can you now send a CCA Request to 1st Credit --> http://www.all-about-debt.co.uk/inde...22-cca-request

** You must login to the templates first, then come back and click the link above. Lets see whether they can provide the agreement. You have my email address so when they send the CCA Documents, email me a copy of whatever is sent...

[Aile5]

Re: Help with Unenforceability

Sorry for the inactivity.

Right so please remind us of

the balance
the original creditor
the date last paid

thanks.

hi,
the original creditor was HBOS, sold to 1st credit approx. july 2012
Balance £14,507 (a few grand of this has been interest and extra charges after I stopped paying)
I need to double check the date last paid but its approx January of either 2010 or 2011. (def one of these 2, I just need to dig out the paperwork). As I had said above they had sent me letters threatening doorstep agent and chasing payment. I didn't reply, then 3 letters in one week, 1 asking payment within 14 days, the other said that they could help me repay and the third was an offer to pay back the balance and they gave me £3k reduction. I just ignored all these and that was about 2 weeks ago, gone quiet again probably not for long. Thanks

[Never-In-Doubt]

Re: Help with Unenforceability

Sorry for the inactivity.

Right so please remind us of

the balance
the original creditor
the date last paid

thanks.

[Aile5]

Re: Help with Unenforceability

hi can anyone help me with this at all? I re-registered and all complete.

[Aile5]

Re: Help with Unenforceability

You probably already know this, but just in case...don't do anything over the telephone with them, you will not have any proof of the conversations that you have had and might need to produce evidence in the future, so everything has to be in writing! I'm learning too!

hi thank you. I changed my numbers years ago so they don't have my telephone numbers. just I get lots of letters, then nothing for months, then threatening letters, and sometimes its difficult to know whether and what to ignore and what needs and requires an response. thanks

[Aile5]

Re: Help with Unenforceability

You need to re register

--->http://forums.all-about-debt.co.uk/s...l=1#post389442

oh hadn't realised thanks, just did it, awaiting admin to confirm registration. thanks

[cookie2112]

Re: Help with Unenforceability

hi, can anyone help with my request? post number 324 from 1st april. Should I ignore them or send something back? After I received the agreement etc I received another letter asking me to phone them so they could help me with repayments. thanks

You probably already know this, but just in case...don't do anything over the telephone with them, you will not have any proof of the conversations that you have had and might need to produce evidence in the future, so everything has to be in writing! I'm learning too!

[Deepie]

Re: Help with Unenforceability

hi, can anyone help with my request? post number 324 from 1st april. Should I ignore them or send something back? After I received the agreement etc I received another letter asking me to phone them so they could help me with repayments. thanks

You need to re register

--->http://forums.all-about-debt.co.uk/s...l=1#post389442

[Aile5]

Re: Help with Unenforceability

Just hold on a day or two....should have new template letters ready

hi, can anyone help with my request? post number 324 from 1st april. Should I ignore them or send something back? After I received the agreement etc I received another letter asking me to phone them so they could help me with repayments. thanks

[Deepie]

Re: Help with Unenforceability

hi ok, so just received my signed agreement from 1st credit along with all the statements they have. (Sent this agreement to NID a few years ago and he said it looked ok, but as they tried to change interest on me without letting me close the account first we were just going to keep going without paying to see what happened? Any help now as to what to do, they non stop at the minute letters constantly. thanks very much.

Any Help please? thanks

Just hold on a day or two....should have new template letters ready

[Aile5]

Re: Help with Unenforceability

hi ok, so just received my signed agreement from 1st credit along with all the statements they have. (Sent this agreement to NID a few years ago and he said it looked ok, but as they tried to change interest on me without letting me close the account first we were just going to keep going without paying to see what happened? Any help now as to what to do, they non stop at the minute letters constantly. thanks very much.

Any Help please? thanks

[Aile5]

Re: Help with Unenforceability

just send it off and lets us know what comes back

hi ok, so just received my signed agreement from 1st credit along with all the statements they have. (Sent this agreement to NID a few years ago and he said it looked ok, but as they tried to change interest on me without letting me close the account first we were just going to keep going without paying to see what happened? Any help now as to what to do, they non stop at the minute letters constantly. thanks very much.

[MrsD]

Re: Help with Unenforceability

just send it off and lets us know what comes back