spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Have you already sent this one? Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

If you have sent this to LTSB, send GPB a copy with a short covering note.

It's an overdraft account and they have not acknowledged my od cca request instead they have sent their solictor onto me , so which letter do i send them, also the solicitor said they won't be corresponding with me about this matter and i have to send back to iqor .

[vint1954]

Re: spent2much UE diary

It's an overdraft account and they have not acknowledged my od cca request instead they have sent their solictor onto me , so which letter do i send them, also the solicitor said they won't be corresponding with me about this matter and i have to send back to iqor .

was this one of Niddy's specials, quoting s74/

[vint1954]

Re: spent2much UE diary

For your overdraft, assuming that you have sent a request that Niddy has done for you, if they have failed to respond and are now sending solicitors letters, I would be inclined to send a letter to Iqor, demanding that they reply to your request ( attache a copy ) and to call off GPB until they do respond.

Send a copy of this letter to GPB.

[Spent2much]

Re: spent2much UE diary

was this one of Niddy's specials, quoting s74/

yes and they have not written back to me they just instructed their solicitors to send a threatening letter.
But i think this is there standard bullying action when they first take over a debt as when i first joined this forum i got a letter from iqor saying they were acting for the ltsb, and so i reckon this is just their way of trying to bully me and i wonder if they have now received my cca request .

http://forums.all-about-debt.co.uk/s...14&postcount=3

[Spent2much]

Re: spent2much UE diary

niddy says until they comply this is

4/8/2012
received a letter today from Halifax it goes like this

Dear mr spent2much,

Further to our letter dated 19/07/12 , at the moment we are not able to provide a copy of the original signed agreement, however we can confirm that our procedure has always ben to obtain our custoner's signiture to an agreement containing the prescribed terms before entering into a credit card agreement. As such we are confident the agreement remains enforceable.

By providing you with the documents attached to our previous letter, we have satisified our obligation to provide a copy of the executed agreement under Section 78.

However ,even if an agreement is unenforecable , the contract still has legal effect and is not void, the lender is merely preventd from seeking an enforcement order from the court. It has always been signed by the customer before setting up a credit card account. Should this matter proceed to court we will adduce evidence to confrim this.

If you are using the services of a claims management company we would like to remind you of the warnings issued by the MOJ and CAB.

more blah blah blah

so then what do we make of this guys ?

[Deepie]

Re: spent2much UE diary

4/8/2012
received a letter today from Halifax it goes like this

Dear mr spent2much,

Further to our letter dated 19/07/12 , at the moment we are not able to provide a copy of the original signed agreement, however we can confirm that our procedure has always ben to obtain our custoner's signiture to an agreement containing the prescribed terms before entering into a credit card agreement. As such we are confident the agreement remains enforceable.

By providing you with the documents attached to our previous letter, we have satisified our obligation to provide a copy of the executed agreement under Section 78.

However ,even if an agreement is unenforecable , the contract still has legal effect and is not void, the lender is merely preventd from seeking an enforcement order from the court. It has always been signed by the customer before setting up a credit card account. Should this matter proceed to court we will adduce evidence to confrim this.

If you are using the services of a claims management company we would like to remind you of the warnings issued by the MOJ and CAB.

more blah blah blah

so then what do we make of this guys ?

Sounds like a result to me............

[The Tech Clerk]

Re: spent2much UE diary

yep!!

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £940.66

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( i believe a default was received but don't have it as was burgled in 2010 and some of our personal papers were scattered in the snow and could not be recovered )

Account owner ( Barclaycard)

4/8/2012

received acknowledgment , they are dealing with the rquest will respond asap.

[nanna58]

Re: spent2much UE diary

Keep it safe i usually put mine in my knickers.xx

[Spent2much]

Re: spent2much UE diary

EXCELLENT NEWS!

It means they can't enforce it and they admit it in a roundabout sort of way. In other words:

Spent2much 1 Halifax 0

great feeling

[Spent2much]

Re: spent2much UE diary

niddy says

6/8/2012 recieved monthly statment.

Dear Spent2much,

We are giving you this notice under the consumer credit act 1974 because you have fallen behind with your payments. As a result , under the terms of your agreement you may have to pay a default charge.

We hope that you will bring your account up to date straight away, to avoid charges and arrears comminications.
If you are having difficulty making paymetns we would like to hear from you , so please call us on blah blah blah

what should i do , ignore this as its UE

[Undercover Elsa]

Re: spent2much UE diary

It's just a standard arrears notice that they're required by law to send.

It doesn't require a response

Elsa x

[Spent2much]

Re: spent2much UE diary

It's just a standard arrears notice that they're required by law to send.

It doesn't require a response

Elsa x

excellent

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £1,284.70

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent )

Account owner (1st credit ) original creditor citi financial.

received a YOU PAY HALF WE PAY HALF today from 1st cruds.

They must have received the CCA request but are obviously ignoring it

[SXGuy]

Re: spent2much UE diary

i am yet to get a CCA back from Opus, which were Citi also.

All ive ever got is ackowledgement of the request, never heard from them since, been a few months now.