kays / very - ndr debt CRA

[Never-In-Doubt]

Re: kays / very - ndr debt CRA

By the way don't think I am having a go, I'm not - I'm just shocked that you omitted to mention an IVA

I don't think trying to fight UE is wise over two small debts when you are on a formal repayment programme, in fact it's absolutely bonkers

[Never-In-Doubt]

Re: kays / very - ndr debt CRA

it now seems the account that has been passed to capquest (kays) have now sent a 'proof of debt' to iva company even though this was not included in the iva, i am yet to hear off capquest myself???

Right ignoring the above few posts, now I am clear exactly what's happened you ought to sit it out and await direct contact from capquest...

Keep us updated.

For the benefit of others the two catalogue accounts were not included in the IVA as they were zero'd accounts however since then they have been used and the IVA expires in the coming months thus we can treat these as separate debts and carry on arguing with UE.

Thanks for clearing everything up.

[Deepie]

Re: kays / very - ndr debt CRA

business as usual then.......

[hayleebec]

Re: kays / very - ndr debt CRA

Received this from capquest yesterday do isend same letter as sent to lowells??

[Deepie]

Re: kays / very - ndr debt CRA

^^^can't read it not very clear

[Never-In-Doubt]

Re: kays / very - ndr debt CRA

Received this from capquest yesterday do isend same letter as sent to lowells??

Idiots trying to make unfounded threats - email me this please, so I can see it full size then we'll clarify next steps.

Thanks

[Undercover Elsa]

Re: kays / very - ndr debt CRA

First I knew that searching the Land registry "could lead to a County Court Judgement". Nasty, intimidating stalker type threats - with APALLING grammar!!

[Never-In-Doubt]

Re: kays / very - ndr debt CRA

First I knew that searching the Land registry "could lead to a County Court Judgement". Nasty, intimidating stalker type threats - with APALLING grammar!!

Thats why I want to see it so we can actually go further with this as if CrapQuest have stated any such fairytales then I think formal complaint to regulators may be in order

[hayleebec]

Re: kays / very - ndr debt CRA

have just emailed it

[Never-In-Doubt]

Re: kays / very - ndr debt CRA

Ok, time for a wee bespoke special back at em!

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated xx March 2012 and note the content within.

I'd like to start by asking a rather simple question; who made you judge, jury and executioner? I'll elaborate for you to try and keep things simple. You state in your letter that you can utilise the CRA's to check me out and I sincerely hope you do as I'll use that against you as well! As matter of fact, you know where I live and I do respond to certain letters thus you have no legal right to search my file whenever you want - the provision of data sharing allows you a monthly feed correct, however you have no legal right to carry out unnecessary searches against me so please don't make threats that carry absolutely no substance as I would use them against you in court, should you make the grave mistake of pursuing action against theis totally unenforceable account.

Further, you then go on to make wild claims about being able to X, Y & Z but you're forgetting that before any Judgment, Charging Order or Final Charging Order we get a day in court and if you dare to bring any action against me then not only will I vehemently defend the action but I will also counter claim for all costs and bring to light your unlawful threats and continual breaches of legislation.

How dare you try and intimidate me with nonsense about charging orders and taking my home - I would fight you in court and win, without shadow of a doubt thus you're talking nonsense and we both know this so I suggest you pull your head out from under the sand and begin to learn your regulatory legislation and compile a more suitable apology explaining that you appreciate this account is formally in dispute and you also appreciate that without any agreement you have no legal right to enforce this. None whatsoever.

For clarity and reference, I will now subject you to a formal request under the Consumer Protection From Unfair Trading Regulations (CPUTR) 2008.

I require your organisation to provide written confirmation that states clearly whether you currently hold an original signed Consumer Credit Agreement, or whether you do not hold an original signed Consumer Credit Agreement pertaining to myself. For the avoidance of doubt, an original signed Consumer Credit Agreement is just that; not an application for credit and not a reconstructed or microfiched document from other sources. Carey v HSBC and Judge Waksmans comments surrounding a reconstituted agreement does not come into play.

Please note that until such times as a legally enforceable, original Consumer Credit Agreement can be produced and a copy sent to me by return, then this letter is not an acknowledgement of debt. Please also note that failure to provide a direct answer to this request will be brought before the court, should you decide to defy the content of this letter and instruct solicitors to pursue enforcement action regardless.

Yours faithfully,


Sign Digitally

[hayleebec]

Re: kays / very - ndr debt CRA

copied pasted and ready for posting!

[hayleebec]

Re: kays / very - ndr debt CRA

i am assuming this is the result i was looking for??!!!!

[Deepie]

Re: kays / very - ndr debt CRA

That's the one......keep that letter very safe......

[hayleebec]

Re: kays / very - ndr debt CRA

one down one to go!!!!! thanks for everything

[IF]

Re: kays / very - ndr debt CRA

Well done hayleebec, Brilliant news for the Easter hols eh!!