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  • #1

    Quandary

    Wife received a letter today from Bryan Carter Solicitors acting on behalf of Lowell Financial.

    They amount due is £116.09, which I think is for an old mobile phone contract.

    Now the quandary is, to CCA them and go down the unenforceability route or because it's not really a big amount to offer them a low (maybe 25%ish - £30) amount in a F&F settlement, in exchange for the default removal?

    My initial thoughts is to go down the CCA route, not to get out of paying it, but then if that doesn't work, then we have always got the F&F route to fall back on.

    Thoughts?

    Cheers.
    Tags: advice, bryan carter, car, cca, con, contract, debt, default, default removal, financial, legal, letter, lowell, mobile, mobiles, niddy, phone, removal, size, smart, solicitors, template, unenforceability, utilities, wife, £50
  • #2
    Re: Quandary

    Originally posted by Fergie76
    Thoughts?

    Cheers.
    My thoughts are forget it! Mobiles, as with other utilities, are CCA exempt so you have no legal fight whatsoever - consider a £50 F&F settlement offer. No more than that.
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

    Comment

    • #3
      Re: Quandary

      Originally posted by never-in-doubt
      Originally posted by Fergie76
      Thoughts?

      Cheers.
      My thoughts are forget it! Mobiles, as with other utilities, are CCA exempt so you have no legal fight whatsoever - consider a £50 F&F settlement offer. No more than that.
      Ah, Ok.

      That's why I posted here first. ;LOL

      Is it worth, trying to get the default removed also, or wasting our time?

      Comment

      • #4
        Re: Quandary

        Originally posted by Fergie76
        Originally posted by never-in-doubt
        Originally posted by Fergie76
        Thoughts?

        Cheers.
        My thoughts are forget it! Mobiles, as with other utilities, are CCA exempt so you have no legal fight whatsoever - consider a £50 F&F settlement offer. No more than that.
        Ah, Ok.

        That's why I posted here first. ;LOL

        Is it worth, trying to get the default removed also, or wasting our time?
        Try it see here: viewforum.php?f=55

        Try this template here: viewtopic.php?p=130#p130
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #5
          Re: Quandary

          [quote=never-in-doubt][quote=Fergie76][quote="never-in-doubt":3on3qr3o][quote=Fergie76]Thoughts?

          Cheers.[/quote]

          My thoughts are forget it! Mobiles, as with other utilities, are [b]CCA exempt so you have no legal fight whatsoever[/b] - consider a £50 F&F settlement offer. [b]No more [/b]than that.[/quote]

          Ah, Ok.

          That's why I posted here first. ;LOL

          Is it worth, trying to get the default removed also, or wasting our time?[/quote]

          Try it see here: [url="http://forums.all-about-debt.co.uk/viewforum.php?f=55"]viewforum.php?f=55[/url]

          Try this template here: viewtopic.php?p=130#p130[/quote:3on3qr3o]

          Aye, I seen your template, that's what gave me the idea.

          Thanks for your advice.

          Comment

          • #6
            Re: Quandary

            I'm beginning to think that Niddy has a template for everything...
            Nuff says... "Don't take yourself too seriously!"

            10 loans/credit cards - 3 confirmed UE, 3 recon/copy received, 3 not received a CCA reply, 1 might be enforceable

            Comment

            • #7
              Re: Quandary

              Originally posted by enoughisenough
              I'm beginning to think that Niddy has a template for everything...
              Send the following template to forum members that are smart arses lol: ;LOL ;LOL
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #8
                Re: Quandary

                Originally posted by never-in-doubt
                Originally posted by enoughisenough
                I'm beginning to think that Niddy has a template for everything...
                Send the following template to forum members that are smart arses lol: ;LOL ;LOL
                I was hoping it was true!!! 2
                Nuff says... "Don't take yourself too seriously!"

                10 loans/credit cards - 3 confirmed UE, 3 recon/copy received, 3 not received a CCA reply, 1 might be enforceable

                Comment

                • #9
                  Re: Quandary

                  Originally posted by enoughisenough
                  Originally posted by never-in-doubt
                  Originally posted by enoughisenough
                  I'm beginning to think that Niddy has a template for everything...
                  Send the following template to forum members that are smart arses lol: ;LOL ;LOL
                  I was hoping it was true!!! 2
                  you know me, lol, answer [size=5]template[/s] for everything ;LOL
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

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