Help with Unenforceability [UPDATED 01/2020]

[Never-In-Doubt]

Re: Help with Unenforceability

Hi, Thanks. Will send pdf within next 30 minutes

Cheers

Cheers email received, will update over the weekend when I filter emails, probs be sat/sun.

[Spacehopper]

Re: Help with Unenforceability

Hiya

email me the PDF - I got your email, but nothing attached.

Use my normal email: never-in-doubt@live.co.uk

Cheers[/quote]

Hi, Thanks. Will send pdf within next 30 minutes

Cheers

[Never-In-Doubt]

Re: Help with Unenforceability

Hi Niddy, nice to locate you again!
Looking for a little assistance here. As you know I have had 1st Credit on the run for quite some time with no CCA from Citi, following a Compensation Payment to me forced by the FOS, they have tried a 'reconstituted Copy'. I replied along the lines of 'you must be joking, read the requirements of CPR and until you can fulfil all these, then come back'. They have said that they'll ask their Client ( who he? You bought the debt, idiots) and will expect full settlement in 7 days when they provide the required docs. Shaking in my boots I am. Not.
In the interest of getting rid of the rest of my debts, 11 more Creditors, I was going through past replies from various CCs received before my knowledge ( and courage) started to grow. MBNA, MINT and UNIVERSA ( Style) have all sent almost word for word the same 'Agreements' which are in my view just the Applications.
Although they have been signed by me AND them in all cases, none carry the 4 required phrases re Interest, repayments, limits etc and none refer to separate T&Cs. These three total some £16,000. The smallest is Universa at £700 ish, so I'm thinking that I could give them a push on the Unenforceability and see where we go. OK to PM you a scan of their 'Agreement' for a look?
Cheers Niddy, good to see you here.

Hiya

Nice to see you here...... I'd be applying for CCA's from all lenders, unless you've been ignoring them and counting down statute barred - in which case continue to ignore them and do not request a CCA.

Yep, email me whatever (remember to add your username in subject line) and send to address as noted in my last reply, above! 2

[Never-In-Doubt]

Re: Help with Unenforceability

Hi, You helped me out some time ago(other forum). I have received the latest repsonse from Cap One in response to an amended AndyLGR template letter. Could I send you a PM and attached a PDF. Tried but failed at the moment as this is still in the outbox.

Hope you can help.

Thanks

Hiya

email me the PDF - I got your email, but nothing attached.

Use my normal email: never-in-doubt@live.co.uk

Cheers

[pepe2008]

Re: Help with Unenforceability

Hi Niddy, nice to locate you again!
Looking for a little assistance here. As you know I have had 1st Credit on the run for quite some time with no CCA from Citi, following a Compensation Payment to me forced by the FOS, they have tried a 'reconstituted Copy'. I replied along the lines of 'you must be joking, read the requirements of CPR and until you can fulfil all these, then come back'. They have said that they'll ask their Client ( who he? You bought the debt, idiots) and will expect full settlement in 7 days when they provide the required docs. Shaking in my boots I am. Not.
In the interest of getting rid of the rest of my debts, 11 more Creditors, I was going through past replies from various CCs received before my knowledge ( and courage) started to grow. MBNA, MINT and UNIVERSA ( Style) have all sent almost word for word the same 'Agreements' which are in my view just the Applications.
Although they have been signed by me AND them in all cases, none carry the 4 required phrases re Interest, repayments, limits etc and none refer to separate T&Cs. These three total some £16,000. The smallest is Universa at £700 ish, so I'm thinking that I could give them a push on the Unenforceability and see where we go. OK to PM you a scan of their 'Agreement' for a look?
Cheers Niddy, good to see you here.

[Spacehopper]

Re: Help with Unenforceability

Hi, You helped me out some time ago(other forum). I have received the latest repsonse from Cap One in response to an amended AndyLGR template letter. Could I send you a PM and attached a PDF. Tried but failed at the moment as this is still in the outbox.

Hope you can help.

Thanks

[Never-In-Doubt]

Re: Help with Unenforceability

cheers y

[Aile5]

Re: Help with Unenforceability

Thanks NID

Will get it posted tomorrow.

[Never-In-Doubt]

Re: Help with Unenforceability

Hi again NID,

Sent off the letter you suggested, they have now ignored my last 2 letters and I have today received a letter through of - notice of intended court action, stating formal notice is hereby given and papers are now being prepared to seek a judgement against me. What should I do now do you think? Thanks ;EEK

Send the template below - special delivery (i know it costs more but you need them to see it) and enclose a copy of your last 2 letters that went ignored, then add a part on the main template (below) advising that they are ignoring you and as such they are in default and you welcome any court action - make sure you put it in the top line!!

Send this: ---> viewtopic.php?p=2319#p2319

[Aile5]

Re: Help with Unenforceability

Hi again NID,

Sent off the letter you suggested, they have now ignored my last 2 letters and I have today received a letter through of - notice of intended court action, stating formal notice is hereby given and papers are now being prepared to seek a judgement against me. What should I do now do you think? Thanks ;EEK

[Never-In-Doubt]

Re: Help with Unenforceability

Hi NID
Quick query. Sent off the letter to DCA stating that a/c was in dispute with OC as no agreement received. They have ignored my letter and sent me one saying that within the next 5 days my a/c will have further action taken against it in the form of a) door to door collector or b)possible court action etc. What should i send now? thanks v much ;P-;

hiya

send this: ---> viewtopic.php?p=2316#p2316

[Aile5]

Re: Help with Unenforceability

Hi NID
Quick query. Sent off the letter to DCA stating that a/c was in dispute with OC as no agreement received. They have ignored my letter and sent me one saying that within the next 5 days my a/c will have further action taken against it in the form of a) door to door collector or b)possible court action etc. What should i send now? thanks v much ;P-;

[Never-In-Doubt]

Re: Help with Unenforceability

Hi Nid.

Deleted because I found the other thread.

P.s. Good to see you, was missing you on the other board. ;K5

thanks - nice to see you here.... ;Hi

[Never-In-Doubt]

Re: Help with Unenforceability

Okay thanks, its my fault I know, stupid mistake. I also have a joint account with my other half, again not used much, can they touch that if there is money in it?

Thanks again

Yea get everything emptied lol.... you never ever stay with the same bank you owe money to!! ;EEK

[Wicca303]

Re: Help with Unenforceability

Hi Nid.

Deleted because I found the other thread.

P.s. Good to see you, was missing you on the other board. ;K5