SeaSaw Diary

[SeeSaw]

Re: SeaSaw Diary

Abbey (Santander) 2032
Type of account credit card
Date commenced well before 2007
Approx balance 25764.42
Date last paid £1 month Token March 2012
Not paying
Status default
Account owner DCA Anker’s Fredrickson


27/03/12 Letter from Fred. Not same account number. Ignored
4/04/12 CCA sent to Fred
4/4/12 Letter from Fred Ignored
4/12 Letter from Fred. Filled away
5/12 Letter from Fred
6/12 CCA from Fred not mr seasaw's
6/12 Final Notice form Bryan Carter Solicitors Pay up or else.

Hi All
Recived Letter from Bryan carter,

We have been instructed to act in connetionwith this debt which is now seriously overdue and it is now our intention to take steps to recover the balance outstanding amount from you.4You must make payment before ** july if you wish to avoid further action. Payments can be accepteed by blabla bla.

The CCA which was sent was not Mr SeaSaw's. Any advice will be most welcome.

Regards SeaSaw

SeaSaw

[Never-In-Doubt]

Re: SeaSaw Diary

Blagging it would mean send off the missing PT's and see what they do next!

ie this ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Best of luck

[Never-In-Doubt]

Re: SeaSaw Diary

Blagging it would mean send off the missing PT's and see what they do next!

[SeeSaw]

Re: SeaSaw Diary

Hiya, it's enforceable and from 2008.

Sorry

Hi Niddy

Thoult it would be, I would like to blag this would that be the right way to go?.

Any advice which way best to go with this.

SeaSaw

[SeeSaw]

Re: SeaSaw Diary

Nothing, sit with it and see what they do next! Do you have a debt owned by them or not?

Hi Niddy

Yes other half has a CC debt with them.

SeaSaw

[Never-In-Doubt]

Re: SeaSaw Diary

Niddy have you had time to look at the other CCA I emailed ?

Hiya, it's enforceable and from 2008.

Sorry

[Never-In-Doubt]

Re: SeaSaw Diary

Hi All

Recived CCA from Fred one prop it's someone else CCA .
What do I do next please.

Nothing, sit with it and see what they do next! Do you have a debt owned by them or not?

[SeeSaw]

Re: SeaSaw Diary

Abbey (Santander) 2032
Type of account credit card
Date commenced well before 2007
Approx balance 25764.42
Date last paid £1 month Token March 2012
Not paying
Status default
Account owner DCA Anker’s Fredrickson


27/03/12 Letter from Fred. Not same account number. Ignored
4/04/12 CCA sent to Fred
4/4/12 Letter from Fred Ignored
4/12 Letter from Fred. Filled away
5/12 Letter from Fred
6/12 CCA from Fred not mr seasaw's

Hi All

Recived CCA from Fred one prop it's someone else CCA .
What do I do next please.

Niddy have you had time to look at the other CCA I emailed ?

Kind Regards

SeaSaw

[Never-In-Doubt]

Re: SeaSaw Diary

When you mail it i'll let you know if it's en or ue

[Pixie]

Re: SeaSaw Diary

Apex have sent CCA this week will scan to Niddy later, it looks correct but not sure.

I received some ccas that I was sure looked compliant but they weren't. As Flowerpower says, let Niddy have a look and we can take it from there.

[SeeSaw]

Re: SeaSaw Diary

very well spotted

Thus maybe look into blagging it for now until you get the status on all debts, prior to maybe consideration of a dmp for the EN debts?

Hi sorry for delay of reply.

I was looking at blagging this for now. I cant be sure if this is with a debt company or not, other OH memory not very good at the moment and I don’t want to push him on the subject.


Apex have sent CCA this week will scan to Niddy later, it looks correct but not sure.


Any help would be appreciated.

Kind Regards
SeaSaw

[Never-In-Doubt]

Re: SeaSaw Diary

Indeed they are - but this is a post April 2007 account

very well spotted

Thus maybe look into blagging it for now until you get the status on all debts, prior to maybe consideration of a dmp for the EN debts?

[Never-In-Doubt]

Re: SeaSaw Diary

Hi Niddy

No only sent Transaction Summary. no attached agreement.

Kind Regards

SeaSaw

then they're in default as they have not complied so just await their completion of your lawful s.77 request

[SeeSaw]

Re: SeaSaw Diary

Hi Niddy

No only sent Transaction Summary. no attached agreement.

Kind Regards

SeaSaw

[Never-In-Doubt]

Re: SeaSaw Diary

Hi All

Letter from Apex reply for CCA they only sent a Transaction Summary from Santander, dated from 07/08 the loan was taken out 2007.

Anything I need to do with above letters.

Regards

SeaSaw

well they need to send the cca - does their letter say 'please find attached the agreement, this completes our obligation under s.77 etc....'?