Angelag's ue Diary

[Never-In-Doubt]

Re: Angelag's ue Diary

I have received a letter from capquest with a copy of reconstituted credit agreement and copy of terms and conditions.

Will email a copy to Niddy

No email received??

agreements@all-about-debt.co.uk

Try again maybe....?

[ANGELAG]

Re: Angelag's ue Diary

No email received??

agreements@all-about-debt.co.uk

Try again maybe....?

Thanks for letting me know, i have resent it to the correct address

[Never-In-Doubt]

Re: Angelag's ue Diary

hang fire - i'll check now....

[Never-In-Doubt]

Re: Angelag's ue Diary

Ok, so what Next sent was a random form, blank at that, detailing their terms - great, so what? What we're after is one specific to you and the account yopu agreed to, this is not what was sent and although they're using a recon, it's a blank one - nothing on it relates to your account.

It is therefore

I would send this back: ---> CCA Query - Missing Prescribed Terms

[ANGELAG]

Re: Angelag's ue Diary

Ok, so what Next sent was a random form, blank at that, detailing their terms - great, so what? What we're after is one specific to you and the account yopu agreed to, this is not what was sent and although they're using a recon, it's a blank one - nothing on it relates to your account.

It is therefore

I would send this back: ---> CCA Query - Missing Prescribed Terms

Thank you so much, i'll do it now.

[Never-In-Doubt]

Re: Angelag's ue Diary

Best of luck - keep us updated

[ANGELAG]

Re: Angelag's ue Diary

Barclaycard
£637.46
Credit Card
Started 2004
Last full payment June 2007
Defaulted
Recieving letters from Barclaycard but threatning to instruct Mercers

June cca requested
July Reminder sent
August final letter sent
September harrassment letter sent
September reply to harrassment letter
October requesting cca if not recd will become unenforceable
November letter to say account is unenforceable
October threatning letter to instruct mercers,doorstop visit
November default notice recieved from mercers
November reconstituted copy of credit agreement and copy of terms of credit agreement
November they believe what they have sent is correct and that there is no dispute
November terms and conditions
December letter from mercers saying the amount is still outstanding and a local debt collector may call at my home to obtain full repaymen[t
[/color]December sent letter stating i will only comunicate in writing and not to visit my home[/color]
December letter from resolvecall acting on behalf of mercers debt collections ltd to collect outstanding debt and they will take legal action if mercers is not contacted
January sent letter to resolvecall to say account formally in dispute with barclaycard
January letter recieved from mercers giving 48 hours before they pass it to my local debt collector who may pay me a visit
[/color]Sent final response letter[/color]
September received letter to say my account has been transferred to MKDP LLP
September received letter from mkdp llp asking me to contact them about payment
October received letter from mkdp llp asking for payment
December received letter from MKRR saying they have transferred it to raven recoveries to resolve it

Receieved a final demand letter today from MKRR. it says they have transferred the account to Raven Recoveries to resolve it on their behalf.This may involve applying to the courts for a county court judgement.

Do i need to reply to this?

[Deepie]

Re: Angelag's ue Diary

Receieved a final demand letter today from MKRR. it says they have transferred the account to Raven Recoveries to resolve it on their behalf.This may involve applying to the courts for a county court judgement.

Do i need to reply to this?

Send them this > Account Sold whilst in Dispute

[Never-In-Doubt]

Re: Angelag's ue Diary

Send them this > Account Sold whilst in Dispute

No cos it was MKKR writing ie so it's not actually the new owner yet - I would ignore this letter and wait on the new owner (ie Raven) to get in touch and THEN send that template

[ANGELAG]

Re: Angelag's ue Diary

No cos it was MKKR writing ie so it's not actually the new owner yet - I would ignore this letter and wait on the new owner (ie Raven) to get in touch and THEN send that template

Ok thanks, will do

[ANGELAG]

Re: Angelag's ue Diary

Thank you so much, i'll do it now.

I have recieved a letter from Capquest stating:

'You will see that the judge in Carey V HSBC determined that a copy of the document provided need not be a photocopy of the original nor need the copy provided be in the same format.The judge clarified that a copy of agreement may be reconstituted from other sources as long as it is produced honestly and accurately.

We have previously provided you with a reconstituted application form/agreement that has been reproduced honestly and accurately from other sources.Section 78 of the consumer credit act 1974 and the regulations provide that the documents provided under section 78 do not have to contain any signatures or signature boxes.'

Do i need to reply to this?

[ANGELAG]

Re: Angelag's ue Diary

Ok, so what Next sent was a random form, blank at that, detailing their terms - great, so what? What we're after is one specific to you and the account yopu agreed to, this is not what was sent and although they're using a recon, it's a blank one - nothing on it relates to your account.

It is therefore

I would send this back: ---> CCA Query - Missing Prescribed Terms

I have recieved a letter from Capquest stating:

'You will see that the judge in Carey V HSBC determined that a copy of the document provided need not be a photocopy of the original nor need the copy provided be in the same format.The judge clarified that a copy of agreement may be reconstituted from other sources as long as it is produced honestly and accurately.

We have previously provided you with a reconstituted application form/agreement that has been reproduced honestly and accurately from other sources.Section 78 of the consumer credit act 1974 and the regulations provide that the documents provided under section 78 do not have to contain any signatures or signature boxes.'

Do i need to reply to this?

[MrsD]

Re: Angelag's ue Diary

Is this the first letter from Capquest?
if so send the accound sold in dispute
if not I would resend the missing prescribed terms ( and everything else by the looks of it!)

[swanfan]

Re: Angelag's ue Diary

Do i need to reply to this?

I wouldn't, they'll always argue it's enforceable whether it is or not.

[ANGELAG]

Re: Angelag's ue Diary

Is this the first letter from Capquest?
if so send the accound sold in dispute
if not I would resend the missing prescribed terms ( and everything else by the looks of it!)

No its the 2nd letter from cap quest the 1st letter i received was just a copy of what next had originally sent(credit agreement)