Starting out

[Pixie]

Re: Starting out

How much is the debt for SoSad?

It is possible to blag them (I've been blagging some for 2-3 years )

If they're not actually threatening anything I wouldn't roll over yet.

[ScabHunter]

Re: Starting out

Hi and happy Easter to all,

I posted missing prescribed terms to capquest they replied stating that the documentation they provided is accurate and legally enforceable ,what is my next best step on this account ,it is enforceable do I start making arrangements to pay?
Any suggestions are very welcome
Thank you
Sosad xx

Did the letter say anything else? Did it threaten anything?

SH

[Sosad]

Re: Starting out

Hi and happy Easter to all,

I posted missing prescribed terms to capquest they replied stating that the documentation they provided is accurate and legally enforceable ,what is my next best step on this account ,it is enforceable do I start making arrangements to pay?
Any suggestions are very welcome
Thank you
Sosad xx

[The Tech Clerk]

Re: Starting out

Send it to crapquest

Send to: Ms A. SIMMS, Quality & Assurance Officer, at Capquest!

[Deepie]

Re: Starting out

Hi In 2 Deep ,
I sent this letter to them back in June could I send it again, or would I send it to capquest??
Thank you
Sosad xx


Thanks Mrs D. X

Thank you Scabhunter
I'm glad that everyone is in agreement about this (very reassuring ) I didn't have a clue what to send next .Do I send the letter to capquest or cap 1 ?
Thank you
Sosad xx

Send it to crapquest

[Sosad]

Re: Starting out

Thank you Scabhunter
I'm glad that everyone is in agreement about this (very reassuring ) I didn't have a clue what to send next .Do I send the letter to capquest or cap 1 ?
Thank you
Sosad xx

[ScabHunter]

Re: Starting out

It could be that they genuinely know that this is enforceable, and that they would be prepared to go to court with it, but it is too early to know this for sure. This type of letter is often sent by DCAs who are bluffing themselves about an unenforceable agreement, or who simply don't know the difference.

I admit this one doesn't look too good, especially if you are a homeowner with something for them to go after, but there is something which is a positive sign, to me at least. This is the insistence that they have issued a 'final response'. Final responses are only issued to formal complaints, so this is entirely inappropriate. It is usually used as a tactic to force people into paying when there is no reason.

If it was me, I'd send a Missing Prescribed Terms letter, just to see what happens. If they come back with a Letter Before Action you will need to think again, but that is not necessarily what will happen.

SH

PS - I2D and Mrs D too quick for me again - but at least it shows we are all thinking on the same lines.

[Sosad]

Re: Starting out

Hi In 2 Deep ,
I sent this letter to them back in June could I send it again, or would I send it to capquest??
Thank you
Sosad xx


Thanks Mrs D. X

[MrsD]

Re: Starting out

me too Sosad

[Deepie]

Re: Starting out

Hi
The agreement is exactly the same as the one Niddy deemed enforceable now do I start negotiating a dmp with them ???
Thank you
Sosad xx

Ps: I received this letter last week I haven't been well and didn't have the energy to do anything about it .

If it were me I would send this----> CCA Query - Missing Prescribed Terms

[Sosad]

Re: Starting out

Hi
The agreement is exactly the same as the one Niddy deemed enforceable now do I start negotiating a dmp with them ???
Thank you
Sosad xx

Ps: I received this letter last week I haven't been well and didn't have the energy to do anything about it .

[Sosad]

Re: Starting out

Right I'll dig out the other one and do a comparison will let you know
Thank you
Sosad xx

[ScabHunter]

Re: Starting out

Hiya Scabhunter
Thanks for your reply I appreciate you have a busy life so no need for apology.
I have previously sent cca to Niddy and he deemed it enforceable ,I seemed to have used up all the options /tactics of trying to blag my way with them .Do you think I should still send Niddy this new cca?I know he is busy and don't want to give him unnecessary paperwork
Thank you
Sosad xx

Is the CCA you have been sent today identical to the one which has been deemed enforceable? If so, you don't need to ask again. If there is anything which is different, then it is important to get another opinion.

SH

[Sosad]

Re: Starting out

Hiya Scabhunter
Thanks for your reply I appreciate you have a busy life so no need for apology.
I have previously sent cca to Niddy and he deemed it enforceable ,I seemed to have used up all the options /tactics of trying to blag my way with them .Do you think I should still send Niddy this new cca?I know he is busy and don't want to give him unnecessary paperwork
Thank you
Sosad xx

[ScabHunter]

Re: Starting out

Any suggestions really appreciated
Thank you
Sosad x

Sorry to be so long replying, Sos Ad, but I've been out all day today.

The first suggestion would be to email the agreement you have received to agreements@all-about-debt.co.uk , so that Niddy can tell you whether or not it is enforceable. Don't worry about what Crappyquest say, they are hardly likely to say anything else.

SH