1brokegirl's UE diary

[1brokegirl]

I sent CCA requests out to 6 creditors at the end of Nov and have so far only had 2 returned. I'm wondering if I even need to email them in for checking. I have a wrong original address, a no original address, no start date, no original credit limits, no signatures, no signature boxes.... The list goes on.... But then I don't really know what I should be seeing so what say the experts?

[MrsD]

Re: 1brokegirl's UE diary

email them to Niddy for a look, no harm in an expert opinion

[1brokegirl]

Re: 1brokegirl's UE diary

Ok, will do later.

[Pixie]

Re: 1brokegirl's UE diary

Hi 1brokegirl.

Have a look at Unenforceability Diaries - Read me First! - allaboutFORUMS which shows you how to set out each debt in your diary and also tells you how to send agreements to Niddy.

There's no need to be in any rush chasing the others...they're UE until they provide a compliant agreement.

[1brokegirl]

Re: 1brokegirl's UE diary

Ok, here goes..

Type of account: Catalogue
Date commenced: Sept 1999
Approx bal: £365
Date last paid: March 2010
Arrangement or not paying: Not paying
Status: In arrears
Account owner: Debt Managers

Agreement emailed to niddy

Niddy says UE!!!!

[1brokegirl]

Re: 1brokegirl's UE diary

Here's another one...

Type of account: credit card
Date commenced: Feb 1999
Approx balance: £3900
Date last paid: March 2010
On arrangement or not paying: not paying
Status: defaulted
Account owner: sold in dispute to Lowell Group, no contact from them as yet.

Emailed agreement to Niddy

[Never-In-Doubt]

Re: 1brokegirl's UE diary

Ok, here goes..

Type of account: Catalogue
Date commenced: Sept 1999
Approx bal: £365
Date last paid: March 2010
Arrangement or not paying: Not paying
Status: In arrears
Account owner: Debt Managers

Agreement emailed to niddy

If this is Next, they have sent two recons but as you never signed an agreement, they can whistle in the wind

This is

I would send this back --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Well done, good start

[Never-In-Doubt]

Re: 1brokegirl's UE diary

Here's another one...

Type of account: credit card
Date commenced: Feb 1999
Approx balance: £3900
Date last paid: March 2010
On arrangement or not paying: not paying
Status: defaulted
Account owner: sold in dispute to Lowell Group, no contact from them as yet.

Emailed agreement to Niddy

Like above, this is also a recon with nothing to suggest you ever did sign anything hence for the moment I would send Crappy1 this back as well ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

This is also based on there being some random terms accompanying a recon agreement from 2008. Obviously your account is much older and so will the terms be.

[1brokegirl]

Re: 1brokegirl's UE diary

Thanks Niddy for checking these so promptly!

[Pixie]

Re: 1brokegirl's UE diary

A good start

[1brokegirl]

Re: 1brokegirl's UE diary

If this is Next, they have sent two recons but as you never signed an agreement, they can whistle in the wind

This is

I would send this back --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Well done, good start

sorry, i asked a dopey question

[Never-In-Doubt]

Re: 1brokegirl's UE diary

sorry, i asked a dopey question

Just so you know - you always correspond with whoever is chasing you for repayment, not necessarily the person whom replied to any CCA Request.

So you'd be responding to the DCA.

[1brokegirl]

Re: 1brokegirl's UE diary

Just so you know - you always correspond with whoever is chasing you for repayment, not necessarily the person whom replied to any CCA Request.

So you'd be responding to the DCA.

So what about Capital One? They were chasing when I sent the CCA request but sold during the CCA request process to Lowells, who I haven't heard from yet. Cap1 informed of this in the letter sent with the agreement and told me to deal with them.

[Pixie]

Re: 1brokegirl's UE diary

Cap1 told you to deal with Lowells? In that case send it to them. The when you hear from Lowells you could send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[1brokegirl]

Re: 1brokegirl's UE diary

I still haven't responded to Cap1 because while they said to deal with Lowells, they have given a Cap1 address to contact should I have any queries regarding the enclosed documents. Does "missing prescribed terms" count as a query? I also still have had nothing from Lowells.