Matta1972 Unenforceability Diaries

[Dottir]

The important question is why is it UE- is it UE because they can not supply the agreement (in which case they can recon something potentially) or is it UE for some technical reason.

Just read the original- it is from 2003 so if they supply a recon it would be down to you to be able to persuade a court you did not sign the agreement that contained all the prescribed terms- so can you remember from 22 years ago how you applied- maybe a mail shot, maybe in a coop store.

If they start to get heavy- do not ignore. Calling or writing does not mean they have a 'live one' but could mean they will think 'oh this person knows the law'. There are times that Silence is more like tin than golden.

I had a Natwest card that was sold to someone, I called and told them it was UE because there was no CCA ( they couldn't supply) and they closed the account there and then over the phone- this was about 10 years ago and the account was noyt SB. I now have two Natwest credit cards although I need to consolidate the number of cards I have as it gets confusing- I only want travel cards

[XX007]

Silence is golden. Phoning just shows that they have caught a live one. If they do realise that this is UE it gives them a chance to correct this ,at least in theory.

Agree with this.

They dont care if its enforceable or not they just want to pressure you to pay.

[terryw]

Silence is golden. Phoning just shows that they have caught a live one. If they do realise that this is UE it gives them a chance to correct this ,at least in theory.

[Matta1972]

As far as I know phoning them wouldn't acknowledge the debt, you can only acknowledge it by writing to them or by making a payment. You have to ask yourself why they are threatening to take legal action instead of just taking legal action. I don't see any advantage in ackowledging it unless you have to so I would just keep ignoring them and only respond if they send an LBA.

Problem is my wife is pregnant, so even though its UE, the letters cause us stress, at least a phone call may make them actually look and realise its UE

[Matta1972]

Hi, last paid, September 2021.

[XX007]

When did you last pay them?

[Sparkles]

Hi, coming back to my old thread here. I have had a letter from LINK regarding the COOP account. Threatening Kearns and Co will take legal action if I dont come back to them. I have the original letter from 2021 confirming unenforceable. I know I can just sit tight, but my wife is pregnant and having these letters coming is stressful to her. If I ring them, does that mean the SB clock resets again? What should I do please?

As far as I know phoning them wouldn't acknowledge the debt, you can only acknowledge it by writing to them or by making a payment. You have to ask yourself why they are threatening to take legal action instead of just taking legal action. I don't see any advantage in ackowledging it unless you have to so I would just keep ignoring them and only respond if they send an LBA.

[Matta1972]

Hi, coming back to my old thread here. I have had a letter from LINK regarding the COOP account. Threatening Kearns and Co will take legal action if I dont come back to them. I have the original letter from 2021 confirming unenforceable. I know I can just sit tight, but my wife is pregnant and having these letters coming is stressful to her. If I ring them, does that mean the SB clock resets again? What should I do please?

[The Tech Clerk]

wescot cannot go to court they are commission agents (hopefuls)

[The Tech Clerk]

send it to webmaster@all-about-debt.co.uk refer to this thread

[Matta1972]

Apologies if I've missed your email. Can you clarify if I've responded or if you're still needing help?

I reply to all emails but some can bounce if for instance it's above 20mb in size. In such cases just shrink / zip / send several emails to get it across.

thanks.

Hi thanks for replying, this issue is sorted, but however we now have another issue. Wescot manage an account for Santander that I CCA'd last year. They have been arguing with me as the agreement is illegible. I have also sent the complaint to the Financial Ombudsman who says that the agreement doesnt have to be legible. I dont know what to do next, I dont have the balls to hold out and risk legal action.
Would you like to see the agreement?

[Never-In-Doubt]

Hi, as yet not heard anything from anyone about it

Apologies if I've missed your email. Can you clarify if I've responded or if you're still needing help?

I reply to all emails but some can bounce if for instance it's above 20mb in size. In such cases just shrink / zip / send several emails to get it across.

thanks.

[The Tech Clerk]

message sent to Niddy await reply.

[nightwatch]

if you don't hear from him. Pm him with a request to look at your CCA.

[The Tech Clerk]

Never-In-Doubt