Lola girl UE diary...newbie!

[Lola girl]

CCA Request - Demand of Signature

Thanks Tech Clerk... I have already sent this one...from my reading it seems like this is what Tesco do! I’m sure they will be back in touch once they realise I have cancelled the payments.

[The Tech Clerk]

CCA Request - Demand of Signature

[Lola girl]

Don't forget that there are many ways that an account can be UE, not just the actual agreement. There can be issues with the default, the assignment to name just a couple.

Fingers crossed! I sent 5 and so far 2 UE, 1 being checked, 1 ignored and 1 playing silly buggers over signature!

[cymruambyth]

Don't forget that there are many ways that an account can be UE, not just the actual agreement. There can be issues with the default, the assignment to name just a couple.

[Lola girl]

• Type of account: MBNA C/ C
• Date commenced: 9.1.14
• Approx balance: £7k
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 25.3.19
• Account owner: Moorcroft

CCA request 30/7/19 - no response as yet

15/8/19 - letter from Moorcroft saying they have asked the OC for the relevant documents. They advise also that they are not seeking to ‘enforce’ the agreement, they are only asking me to make an affordable repayment towards an outstanding debt. Very nice of them! Guess I just cancel the StepChange payment and wait to hear from them

28/8/19 letter received from Moorcroft with 2 years of statements and an agreement. Sent over to Niddy to be checked.

My most recent CC account taken in 2014 so am expecting this one to be enforceable!

[Lola girl]

So feeling quite organised now with my CCA requests. I have done a lot of reading on the forum and looked at the ADD+ template letters.

So far I have had two deemed currently unenforceable, one gone back to the OC and one quibbling over a signature. Link have just ignored me.
I have cancelled my DMP with SC but will keep my standing order going into the separate bank account to accumulate whilst I am not making these payments to the 5 creditors.

Thanks all all for the advice so far and the confidence to deal with this myself!

lola girl

[Lola girl]

That's good to hear especially since this Barclaycard was opened in 2013.

From now on each time you receive a letter/email/call/text you can update the debt's history by adding the new info to your original post, so your Diary will have all the relevant facts in one place..

You'll soon get the hang of things.

All help and support on AAD is free.

Di

I was surprised too - no wonder they sent me around 100 pages of statements to throw me off!

Okay i I have managed to edit each debt post with today’s update so hopefully I’m doing it the right way now? Thanks for the advice

[Lola girl]

You don't need to respond to Tesco.

This account is still with them so they know it's *you* who's sent the CCA Request, unless you've moved house and they don't recognise your new address.

They've also acknowledged receipt of your Request in their letter.

Job Done

Di

hi and thanks for the advice. I won’t respond and I’m sure they will be back in touch once they don’t receive their payment next month!

[Lola girl]

Tesco wouldn't send me a CCA with out a signiture, even though It was pointed out it didn't need one, they even sent the letter, telling them it didn't need a siggy, back to me , saying it wasn't signed,
The letter saying to stop playing around was also returned saying "not signed"
they then past it to a DCA who , when I sent a Sold in dispute letter to them, sent me copys of the three letters I had sent, saying they needed to be signed, I sent one saying which one, as they had photo copied them all mixed up on the back of one another,
Tesco then sent me a "copy" of what they had , but, under the DPA, which was strange as a DPA request has to be signed,

strange workings x NW

It’s obviously part of a time delay tactic! I almost sent off my signature over a solid line so that it couldn’t be copied, but having read the further advice it seems that I’ve made my request in the correct way and they haven’t responded. I’ll cancel the payment and I’m sure they will be back in touch soon!

[Lola girl]

HI, Support on this site is always free, as are SOME of the templates, Please do become a member, but, don't print or send any template letters just yet.
just check in with us to see what might be sent in reply to any letters you receive.
there is no need to tell them why you have stopped payment.
just stop and put the money to one side, so that you have some money behind you if it is needed at some point further ahead.

You can expect a deluge of phonecalls and letters at the start of not paying them, Can I suggest you DON'T speak to them on the phone, it is better to deal in Snail Mail (letter) so a paper trail is kept for each account
get yourself a couple of files and in my case, a large filing cabinet.

Welcome to AAD
NW xx

Thank you! I will subscribe and will gladly take any advice and guidance on the way forward.
I have been on a DMP with SC for a year and have removed numbers etc. I have a good file system set up but as I move into self managed and deal with these CCA requests I am having to do a lot more admin!

[Joanna Connolly Solicitors]

15/8/19 - confirmation received that this one is also unenforceable.

That's good to hear especially since this Barclaycard was opened in 2013.

From now on each time you receive a letter/email/call/text you can update the debt's history by adding the new info to your original post, so your Diary will have all the relevant facts in one place..

You'll soon get the hang of things.

All help and support on AAD is free.

Di

[Joanna Connolly Solicitors]

• Type of account: Tesco Credit Card
• Date commenced: 24/3/2007
• Approx balance: £3,900
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 10.10.18
• Account owner: OC

CCA request - letter received to say they would not comply as I had not included my signature - advise on what I should respond please?

You don't need to respond to Tesco.

This account is still with them so they know it's *you* who's sent the CCA Request, unless you've moved house and they don't recognise your new address.

They've also acknowledged receipt of your Request in their letter.

Job Done

Di

[nightwatch]

• Type of account: Tesco Credit Card
• Date commenced: 24/3/2007
• Approx balance: £3,900
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 10.10.18
• Account owner: OC

CCA request - letter received to say they would not comply as I had not included my signature - advise on what I should respond please?

Tesco wouldn't send me a CCA with out a signiture, even though It was pointed out it didn't need one, they even sent the letter, telling them it didn't need a siggy, back to me , saying it wasn't signed,
The letter saying to stop playing around was also returned saying "not signed"
they then past it to a DCA who , when I sent a Sold in dispute letter to them, sent me copys of the three letters I had sent, saying they needed to be signed, I sent one saying which one, as they had photo copied them all mixed up on the back of one another,
Tesco then sent me a "copy" of what they had , but, under the DPA, which was strange as a DPA request has to be signed,

strange workings x NW

[nightwatch]

HI, Support on this site is always free, as are SOME of the templates, Please do become a member, but, don't print or send any template letters just yet.
just check in with us to see what might be sent in reply to any letters you receive.
there is no need to tell them why you have stopped payment.
just stop and put the money to one side, so that you have some money behind you if it is needed at some point further ahead.

You can expect a deluge of phonecalls and letters at the start of not paying them, Can I suggest you DON'T speak to them on the phone, it is better to deal in Snail Mail (letter) so a paper trail is kept for each account
get yourself a couple of files and in my case, a large filing cabinet.

Welcome to AAD
NW xx

[The Tech Clerk]

15/8/19 - confirmation received that this one is also unenforceable. Am I correct in thinking I need to become a member for further support and templates... can someone direct me to the correct info please? Thank you

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