Bricktop's UE Diary

[Bricktop]

Re: Bricktop's UE Diary

Natwest returned my P.O. again in reply to my CCA request.

2nd reply from them refusing to send the CCA without a signature

These monkeys are not going to send me anything without a signature it seems, any ideas ?

Send sig on an anti-tamper letter ?

[Bricktop]

Re: Bricktop's UE Diary

Letter today from Liam at Cap 1

5 pages of blurb, key bits as follows....

'we do not retain original agreements, but scan the signature portion'

Quotes Carey 'prescribed terms contained in an agreement is a matter of substance not form'

I haven't said why I allege the agreement is improperly executed

'It was established in McGufflick the following steps do not amount to enforcement:
reporting to credit agencies, demanding payment, issuing default, threatening legal action, bringing legal proceedings.'

In other words I think they know that without the agreement the are screwed but hope that all the blurb they sent me confuses me (which it does lol)

.........and the last page and a half are warning me of the dangers of me taking them to court !

[The Tech Clerk]

Re: Bricktop's UE Diary

Letter today from Liam at Cap 1

5 pages of blurb, key bits as follows....

'we do not retain original agreements, but scan the signature portion'

Quotes Carey 'prescribed terms contained in an agreement is a matter of substance not form'

I haven't said why I allege the agreement is improperly executed

'It was established in McGufflick the following steps do not amount to enforcement:
reporting to credit agencies, demanding payment, issuing default, threatening legal action, bringing legal proceedings.'

In other words I think they know that without the agreement the are screwed but hope that all the blurb they sent me confuses me (which it does lol)

.........and the last page and a half are warning me of the dangers of me taking them to court !

That is a new one i,.e. only thie signature part (usually only one signature (lifted?), and an address top left hand corner.

[Bricktop]

Re: Bricktop's UE Diary

So if they don't retain agreements then could they still win if it went to court ?

[Deepie]

Re: Bricktop's UE Diary

I had a similar response from Cap 1 over 2 years ago now ........not heard anything since............

[vint1954]

Re: Bricktop's UE Diary

Letter today from Liam at Cap 1

5 pages of blurb, key bits as follows....

'we do not retain original agreements, but scan the signature portion'

Then how could they ever convince a court that they have reconstructed accurately?

Quotes Carey 'prescribed terms contained in an agreement is a matter of substance not form'

Indeed, they need to be substantially there!

I haven't said why I allege the agreement is improperly executed

Are they expecting you to write their claim for them.

'It was established in McGufflick the following steps do not amount to enforcement:
reporting to credit agencies, demanding payment, issuing default, threatening legal action, bringing legal proceedings.'

Correct, but why thake legal action if they know they cannot win. Are they confirming that they use litigation as a means of Dept collecting.

In other words I think they know that without the agreement the are screwed but hope that all the blurb they sent me confuses me (which it does lol)

.........and the last page and a half are warning me of the dangers of me taking them to court !

Looks like they do indeed know that they are on a sticky path.

[MrsD]

Re: Bricktop's UE Diary

I've got one of those too, think they think you'll lose the will by the end and just pay them to go away. Wrong...............

[Bricktop]

Re: Bricktop's UE Diary

18th August: Hillesden Securities... still waiting for copy of CCA from MBNA - will update in 21 days.

Now been over 2 months looking for it, long may it continue

[Pixie]

Re: Bricktop's UE Diary

18th August: Hillesden Securities... still waiting for copy of CCA from MBNA - will update in 21 days.

Now been over 2 months looking for it, long may it continue

[vint1954]

Re: Bricktop's UE Diary

Sounds like you may be joining the select "MBNA Has Lost It" Club!

Is that the CCA, the plot or the will to live. They seem to have lost all 3.

[Never-In-Doubt]

Re: Bricktop's UE Diary

18th August: Hillesden Securities... still waiting for copy of CCA from MBNA - will update in 21 days.

Now been over 2 months looking for it, long may it continue

Nice - they're trying to recon it. Let's see what they produce (if anything!!)

[Bricktop]

Re: Bricktop's UE Diary

Nat West

Recoveries dept wrote that they are disappointed that I haven't paid them a quid for a month or two against the cc debt.

Still no sign of my cca from them yet, so they can keep being disappointed

[The Tech Clerk]

Re: Bricktop's UE Diary

I really do not know why some of you go about upsetting these people???


they cannot go on their annual bash care of you? lol

[Bricktop]

Re: Bricktop's UE Diary

Received a boatload of paperwork from Nat West this morning in reply to my CCA request.

8 pages of terms and conditions, unfortunately for Nat West not one of the bits of paper has my signature on it

Do I hit them with the missing PT letter ?

(Mortgage, bank loan & overdraft also with Nat West - does this alter anything re the credit card ?)

[Deepie]

Re: Bricktop's UE Diary

Received a boatload of paperwork from Nat West this morning in reply to my CCA request.

8 pages of terms and conditions, unfortunately for Nat West not one of the bits of paper has my signature on it

Do I hit them with the missing PT letter ?

(Mortgage, bank loan & overdraft also with Nat West - does this alter anything re the credit card ?)

Or this------------> CCA Query - Terms & Conditions Received