Sharon2345 Unenforceability Diaries

[Sharon2345]

Re: Sharon2345 Unenforceability Diaries

Hi Sharon,
It does indeed! It's unenforceable until or unless they comply with the CCA Request. Congratulations!!

Keep that letter in a very safe place.
No mad rush to respond, but here's the final response template when a CCA hasn't been supplied: http://www.all-about-debt.co.uk/inde...o-cca-received

Elsa x

Right thanks for that. I'll file this away then

[Sharon2345]

Re: Sharon2345 Unenforceability Diaries

Cahoot Flexi Loan
Interest frozen, defaulted 2005/6. Default issued on credit file in 2006.

Name: Cahoot Flexi loan (Santander)

Type: Flexi online loan

Date commenced: 2005

Approx balance: £6,656

Date last paid: 1st May 2013

Arrangement: not paying now previously token payments via dmp
Status: defaulted 2005/2006

Account owner: Santander - Apex Credit Mgt Collecting Agents

4/2013 - CCA request sent
5/2013 - CCA response received from Apex
16/08/2013 - CCA documents emailed to NIDDY
10/09/2013 - UNENFORCEABLE!!!
14/09/2013 - Sent missing PT letter.
28/11/2013 - Apex send letter demanding full balance. Will ignore!
21/02/2014 - Original creditor Santander sent letter telling me MOORCROFT will be looking after my account now. IGNORING
15/03/2014 - Moorcroft letter demanding payment IGNORED
28/03/2014 - Sent Moorcroft Sold in Dispute Letter
07/04/14 - Moorcroft send letter how to make a CCA request
23/04/14 - Moorcroft sent a threaten to visit home letter
30/04/14-Sent doorstep letter
30/05/14-Moorcroft sent person to call at my door. I AM VERY ANGRY NOW
16/06/14-Niddy helping by email
19/06/14-Moorcroft write back stating matter is with their Compliance Officer.
09/07/14 - Moorcroft respond to complaint letter with some real bizarre facts!
21/07/14 - Sent letter to Moorcroft in response to their letter sent 03/07/14
29/12/14-letter received from Santander that CapQuest will be new collecting agent for the account
07/01/15-Capquest sent letter demanding payment
09/01/15-Sent new CCA request to Capquest
16/01/15-Capquest send letter that the CCA request has been forwarded to Santander
19/02/15-CapQuest send me a list of all statement of transactions for the loan and request I make payment. Not complied with CCA request.

On the 19th Feb 2015 I get a response to my CCA request - a list of all the historical transactions on my Cahoot loan and nothing else and letter stating please find as requested statement of transactions please call us to arrange payment. Obviously this does not comply with the CCA request but what do I do now ignore it, send them a response. What should I do?

[nightwatch]

Re: Sharon2345 Unenforceability Diaries

I would Ignore for now and see what comes next, have a good weekend NW xx