Help with Unenforceability [UPDATED 01/2020]

[Aile5]

Re: Help with Unenforceability

Hiya
Ok just updating, as you said I sent nothing to them. Just received a letter stating in big red header FINAL NOTICE. Pay full amount within 10days or collection activity will resume which will result in doorstep visit or legal action. Any advice on what to do now? Thanks again
Aile

[Never-In-Doubt]

Re: Help with Unenforceability

Hiya
Ok just updating, as you said I sent nothing to them. Just received a letter stating in big red header FINAL NOTICE. Pay full amount within 10days or collection activity will resume which will result in doorstep visit or legal action. Any advice on what to do now? Thanks again
Aile

Send one of these: ---> Threat by Creditor - Enough is Enough Response

[di30]

Re: Help with Unenforceability

Right, all this is new to me and still trying to work it out, as many of you know PPI is more my subject.

What are the chances of a 2007 credit card agreement being unenforceable? My hubby's is signed and dated 14 Sept 2009, its an active account.

Niddy, have send you this one I think yesterday, send after the lloyds loan agreement.

Cheers.

[Never-In-Doubt]

Re: Help with Unenforceability

Right, all this is new to me and still trying to work it out, as many of you know PPI is more my subject.

What are the chances of a 2007 credit card agreement being unenforceable? My hubby's is signed and dated 14 Sept 2009, its an active account.

Niddy, have send you this one I think yesterday, send after the lloyds loan agreement.

Cheers.

None whatsoever as s.127 was repealed for anything before April 2007 so forget UE, in that respect!

Obviously I'll not reply regards email, as it will be enforceable.

[di30]

Re: Help with Unenforceability

None whatsoever as s.127 was repealed for anything before April 2007 so forget UE, in that respect!

Obviously I'll not reply regards email, as it will be enforceable.

lol, cheers Niddy.

[Aile5]

Re: Help with Unenforceability

Hi NID

After all being quiet for a while, sent off enough is enough and today received letter saying once again Westcot is going to contact their client with regards to my letter and get back to me yet again!What should I do now? thanks once again.
Aile

[Deepie]

Re: Help with Unenforceability

Hi NID

After all being quiet for a while, sent off enough is enough and today received letter saying once again Westcot is going to contact their client with regards to my letter and get back to me yet again!What should I do now? thanks once again.
Aile

Just ignore see what they do next

[MACO]

Re: Help with Unenforceability

Hi all, Niddy,
I have been going through an agreement I have with GE Money on a car loan, the original loan amount was 4673.78 interest at 5.2% is 1204.42. Charge for credit is 1503.42. please could some explain to me what charge for credit is? and is it legal/reclaimable? Thanks MACO

[Never-In-Doubt]

Re: Help with Unenforceability

Hi all, Niddy,
I have been going through an agreement I have with GE Money on a car loan, the original loan amount was 4673.78 interest at 5.2% is 1204.42. Charge for credit is 1503.42. please could some explain to me what charge for credit is? and is it legal/reclaimable? Thanks MACO

See my signature - send me it and i'll let you know!

[MACO]

Re: Help with Unenforceability

See my signature - send me it and i'll let you know!

Hi Niddy'
Cant make this out, nothing seems to add up! If you take the amount of
loan 4673.78 add the interest of 1204.42 = 5878.20 take this from total
amount payable of 6377.20 this leaves 499.00? whats happened to th charge
for credit of 1503.42. Then just to confuse things more 60 payments at 97.97
+ 299 final payment = 6197.20. 180 short of the total amount payable.

Or Assuming that the charge for credit is already factored into the amount of loan 4673.78
add interest 1204.42= 5878.20 I have been over charged by 499. Am i getting this right?

[MACO]

Re: Help with Unenforceability

Hi Niddy,
I am emailing you a copy of a reply from OPUS via Cabot. I have never owned an OPUS Account but apparantly its an old CITI Card. The letter states that they have sent me a true copy of my cca (they have enclosed a cca with my name and address at the top). They state that it has no signiture box and they dont have to supply this? Please can you let me know your thoughts.

Many Thanks MACO.

[Never-In-Doubt]

Re: Help with Unenforceability

No it doesn't need a siggy but if you send me a copy I'll clarify the status for you!!

This is what an agreement SHOULD have --> Unenforceability Templates - Section 6

That's it. No signature necessary. However there's more to it than that; a lot more. Please send me a copy if you want an answer regards to your specific case.

[jamon]

Re: Help with Unenforceability

I have sent the standard statute barred letter to 1st. Credit, on the 5th. August 2011 and despite the letter clearly asking for a reply, confirming no further action, have not heard anything from them.
Should I press for a reply or let sleeping dogs lie?
Thanks in advance.

[garlok]

Re: Help with Unenforceability

I would sit and wait jamon, the ball is firmly in their court.

regards
Garlok

[Never-In-Doubt]

Re: Help with Unenforceability

I would sit and wait jamon, the ball is firmly in their court.

Exactly, let them get hold of you.... if they need to of course!