wheretostart's UE diary

[Roger]

Luckily (?) I was experiencing printer issues, so i hadn't yet sent it.

Niddy believes it is currently UE.

When you say issues with this group, do you mean Kearns? Link financial? L.C Asset 2 SARL?

Colin G Quinn Knows what he is doing!

So don't draw ANY attention to this S.78 CCA especially if it is CURRENTLY UE.
Let it stay that way!

The Banking crisis meant there were rapid Banking Groups changes. Takeovers , Consolidations etc..
This itself created issues and problems in addition to Assignment issues etc..

Now LINK are known to sending CCA's and CLAIMING now EN !
Well they would wouldn't they!

Wait and see what happens next!

[Colin G Quinn]

Hi,

Don't ask for a copy of any default notice. Unlike a Section 77/78 CCA request there is no statutory requirement for a creditor to respond/deal with your request.

Furthermore, if they do intend to issue a claim in the future you are only putting them on notice of potential issues they may have and allowing them to consider how to 'remedy' those issues.

If the alleged agreement is unenforceable there is no more for you to do than await any further developments and to keep your thread updated.

Just remember, however, it is highly likely that Link are not the actual current creditor. I appreciate the correspondence you will have been receiving maybe unclear on this, along with how any record is reported on your credit report.

[wheretostart]

This morning, Kearns tried calling me. It was using a withheld number, and they left an automated voicemail. If I remember correctly, doesn't the CCA template specify all contact should be letter only?

[The Tech Clerk]

This morning, Kearns tried calling me. It was using a withheld number, and they left an automated voicemail. If I remember correctly, doesn't the CCA template specify all contact should be letter only?

Harassment by Telephone send and keep copy on file - get free proof of posting

[nightwatch]

Harassment by Telephone send and keep copy on file - get free proof of posting

I would wait and see if they call again, making a list of dates and times, that way you have more chance of them accepting it as harassment.

[wheretostart]

Claim form has arrived this morning. Now I'm worried!

[Colin G Quinn]

Hi,

If you would like me to take a look at the Claim Form my email address is in my legal disclaimer below.

I wouldn't be overly worried.

[Colin G Quinn]

Hi,

I have received your email and I have responded.

There is likely even less need to be worried now that I have seen the Claim.

Given the date of the alleged credit agreement it is likely unenforceable and, if it is, it would be irredeemably unenforceable meaning a Court could never enter Judgment.

[Spud]

There is likely even less need to be worried now that I have seen the Claim.

Given the date of the alleged credit agreement it is likely unenforceable and, if it is, it would be irredeemably unenforceable meaning a Court could never enter Judgment.

What a difference an hour makes

[wheretostart]

I haven't returned to the forum for some time, having had Colin working on the case, the claim was discontinued. However, it does still show on my credit record as in default. Is there anything else I need to do with this?

I'll update again shortly, as I have received some further correspondence with another of the alleged debts

[Still Waving]

I haven't returned to the forum for some time, having had Colin working on the case, the claim was discontinued. However, it does still show on my credit record as in default. Is there anything else I need to do with this?

I'll update again shortly, as I have received some further correspondence with another of the alleged debts

Which account are you talking about? What was the reason for the discontinuation, and when was it discontinued?