mr affable's UE diary

[CleverClogs (RIP)]

Re: mr affable's UE diary

Same reply received again from Mint to my letter telling them they do not need my signature to supply me with copy of CCA agreement. They have just returned my letters with my postal order and their tick box reply saying they require my signature before they can proceed.

What should I do now?

Thank them.

[mr affable]

Re: mr affable's UE diary

Reply received from Waitrose to my CCA request. emailed copy to Niddy for his comments.

[mr affable]

Re: mr affable's UE diary

Same reply received again from Mint to my letter telling them they do not need my signature to supply me with copy of CCA agreement. They have just returned my letters with my postal order and their tick box reply saying they require my signature before they can proceed.

What should I do now?

[mr affable]

Re: mr affable's UE diary

Great - thanks Niddy.

So presumably I just do nothing further and wait for it to become statute barred?

[Never-In-Doubt]

Re: mr affable's UE diary

Reply received from Capital One.

Copy sent to Niddy by email for his thoughts

You can ignore this - it's their standard template, nothing to worry about - seen it 100 times before

[mr affable]

Re: mr affable's UE diary

Reply received from Capital One.

Copy sent to Niddy by email for his thoughts

[Never-In-Doubt]

Re: mr affable's UE diary

As above ^^^^^

[swanfan]

Re: mr affable's UE diary

Reply received from Mint asking me to sign my CCA request and return to them before they can do anything.

Have sent to Niddy for his thoughts.

Emailed Niddy

Send this back to them--> Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA

Including the original request & payment if they sent it back.

[mr affable]

Re: mr affable's UE diary

Reply received from Mint asking me to sign my CCA request and return to them before they can do anything.

Have sent to Niddy for his thoughts.

Emailed Niddy

[mr affable]

Re: mr affable's UE diary

Thanks - I wont chase then!

As regards the missing prescribed terms letter I am going to send to Cap One - it mentions about a document 'a copy of which is attached'. Presumably this is the photocopied application form with my signature on that they sent to me but do I also have to attach all the other term & conditions bits they sent me?

[mr affable]

Re: mr affable's UE diary

Hi Niddy

Thanks for coming back so quickly and with the right answer!

I will send the letter you suggest and see what happens.

If I have not heard from the other 4 by beginning of next week presumably I should be writing again to chase their response?

[Never-In-Doubt]

Re: mr affable's UE diary

My second CCA agreement received (from Capital One).

Have sent to Niddy for checking.

Emailed Niddy

This is as the PT's are basically current and not really linked to the agreement that you signed.....

I would respond as follows with this: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[mr affable]

Re: mr affable's UE diary

My second CCA agreement received (from Capital One).

Have sent to Niddy for checking.

Emailed Niddy

[mr affable]

Re: mr affable's UE diary

So if they are able to get a CCJ would that become SB (and effectively lapse) after 6 years if I had not made any payment during that time?

But surely if the court had asked for payment from me following the issue of the CCJ and I had been able able to pay something (however small) SB would never be reached?

[Never-In-Doubt]

Re: mr affable's UE diary

Yea as its only £1 just pay it. It's probably best to keep things the way they are till you know what's what.....

Remember if you don't own a house then they can ccj you if you stop paying and sit out SB - it's not the end of the world. However if you own a home forget that