Grassy_K's Unenforceability Diary

[Grassy_K]

Re: Grassy_K vs Nasty Banks

Was that wise?

I mean not sending the LBA response template letter to a possible LBA dated 13th May. What was the deadline they set for a response? Can you email me a copy of that possible LBA letter using planB@all-about-debt.co.uk



Are they ignoring your letters or are you ignoring their letters

Do be careful

Plan B x

Thanks PlanB sending over now. They are ignoring my letters, I have been responding to them.

[Never-In-Doubt]

Re: Grassy_K's Unenforceability Diary

Send the LBA Grassy - if you don't and they issue a claim, you're risking a lot.

It it costs a stamp. Send one ASAP.

[Spud]

Re: Grassy_K's Unenforceability Diary

LBA off 1st class recorded delivery is mt thoughts?? what do the others think, cannot hang around now???/

I am inclined to agree with TC, If you don't send it and they issue you might lose some protection and concede a little "ground". If you send it and they don't issue there is nothing lost.... win win

Take a look at the template to make sure it makes sense and is applicable to your situation, It may need tweaking slightly? Remember not to be tempted to tell them in any detail where they have gone wrong, Keep it general along the theme of the templates. Any issue post up and we will get you sorted. Don't take the chance as they will most probably be hoping you will not reply and then issue a claim hoping that you don't reply in time and them winning by default.


By not replying you are sending them the wrong signals, It will encourage them more. Its the people who reply back with solid arguments that are most likely to be put to the bottom of the pile.....Think about it....They want the easy pickings. They will be prepared to write off a certain percentage of their accounts based purely on a commercial decision. They will balance the cost of getting this to court and their own legal fees to recover what £2,500....At potentially £1 week for the next 1000 years ect


Its a difficult balancing act but if we can make you one of the 5% that they write off as too risky/Too costly/Or they know they don't have the docs ect then that is the game we are playing. Yes they will threaten court, Yes they will always maintain that they are right/You are liable/They have complied with your CCA request ect, They would wouldn't they?

They may even issue a court summons just to see what you come up with in your defence, Then play the game right to the end and not bother turning up on the day as by then it costs them nothing extra.

You say they have not replied to your communications, Even better, Keep your proof of posting ect. If it does get to court they are helping you to win as it wont reflect very well on them will it?


I would get this off Tuesday morning as TC suggests

[The Tech Clerk]

Re: Grassy_K's Unenforceability Diary

LBA off 1st class recorded delivery is mt thoughts?? what do the others think, cannot hang around now???/

[PlanB]

Re: Grassy_K vs Nasty Banks

I didn't send the LBA letter in the end, thought I'd wait for their next move.

Was that wise?

I mean not sending the LBA response template letter to a possible LBA dated 13th May. What was the deadline they set for a response? Can you email me a copy of that possible LBA letter using planB@all-about-debt.co.uk

23/05/2015 - Letter from Link dated the day before their above payment deadline - you need to contact one of our ACCOUNT OFFICERS now. No response to any of my correspondence still. I didn't send the LBA letter in the end, thought I'd wait for their next move. Blimey, they really have well and truly woken up on this one! How can I put them back in their box? They're just ploughing on and ignoring all letters.

Are they ignoring your letters or are you ignoring their letters

Do be careful

Plan B x

[Grassy_K]

Re: Grassy_K vs Nasty Banks

Barclaycard #3

Date commenced: Approx. 2002

Approx Balance £2500

Date last paid: June 2014

Defaulted: 2012?

Status: Wussy £5 token payments via StepChange (July 2014 payment missed due to lack of funds)
Account owner: IDR Finance II Ltd c/o Link Financial Outsourcing Ltd

20/08/13 Court threat (letter before action) from Link despite making token payments as agreed (claimed £5 short although it wasn't.. paid up to get rid of them)
30/06 - CCA request sent to IDR Finance via Link
14/07 - Reply from Link - as you are aware, this account was assigned from Barclaycard to IDR Finance in 2013, as such we do not hold the documentation. We have requested the documents including the most recent terms and conditions from Barclaycard and "very much look forward" (???) to providing you with them shortly. Please be aware that this may take up to 30 days.

30/07 - Update - S78 Reply received directly from Barclaycard. I deem this to be because it is just two sets of terms and conditions - no application form, no signature, no date. "Terms and conditions received" letter will be going off to LINK at the weekend.

7/5/2015 - Letter from my old friends at Link after a long absence, nothing threatening just asking for payment proposals. Popped off a little reminder that the account is in dispute and to read my letter from August 2014

13/5/2015 - Pre action letter from Link on behalf of IDR Finance - unless payments resume by 19/05, we intend to commence court proceedings.

23/05/2015 - Letter from Link dated the day before their above payment deadline - you need to contact one of our ACCOUNT OFFICERS now. No response to any of my correspondence still. I didn't send the LBA letter in the end, thought I'd wait for their next move. Blimey, they really have well and truly woken up on this one! How can I put them back in their box? They're just ploughing on and ignoring all letters.

[Grassy_K]

Re: Grassy_K's Unenforceability Diary

Lloyds Platinum Mastercard

Date commenced: Approx. 2004

Approx Balance £4900

Date last paid: June 2014

Defaulted: 2012?

Status: Not paying since June 2014

Account owner: Lloyds (was outsourced to Robbers Way to harrass me despite being on a DMP - after complaint made, Robbers Way returned a/c to Lloyds)

30/06 - CCA request sent to Lloyds
13/07 - Now this is just odd. I've received a single sheet (on Lloyds headed paper) statement for the last 10 months - no letter, nothing. The letter also has Robbers Way name and address instead of Lloyds where the sender's address goes. Perhaps there is more to come, as I hear Lloyds are quite handy with the scissors and glue?
06/10 - Letter from Lloyds - as we have not been able to come to a repayment arrangement, we've instructed a Debt Collection Agency, Akinika (aka Crappy Knickers) to arrange collection of the outstanding debt. Please contact Crappy Knickers as soon as possible on this number xxxx xxxx. Scary stuff indeed (not) - I've changed my phone numbers and place of work, LOL
06/10 - I'll just remind them that they are still in default of my Section 78 request....
24/10 - STILL NO RESPONSE FROM LLOYDS TO MY CCA REQUEST AND MY 2 CHASER LETTERS RE SAID CCA REQUEST - but a lovely letter of introduction from the kind folks at Crappy Knickers who are going to be hassling me unsuccessfully for money for a while, until they get bored. I am to call them "so that they can confirm liability for the debt"- lol, there's no liability whilst in default of a CCA request - letter binned.

08/03/15 - Response from Lloyds after 5 months!! Please find enclosed a copy of your signed agreement (illegible) - we are satisfied the terms were present on the agreement but we can't supply them at the moment. Whilst we cannot supply them we will not be seeking to enforce the agreement. You still need to pay us blah blah etc. etc.

I'm keeping that letter very safe! Result! Thank you to all who help me occasionally on this wonderful forum

09/05/2015 - Wetcloths - OUR ENQUIRIES HAVE SHOWN THAT YOU ARE CONFIRMED RESIDENT AT THIS ADDRESS - Duh, unenforceable, losers! Filed.

15/05/2015 - Wetcloths - Significant discount offer - please call us l like my self-approved 100% discount just fine, thank you. Filed.

[Never-In-Doubt]

Re: Grassy_K's Unenforceability Diary

I'd send it. I don't think it matters tbh

[Grassy_K]

Re: Grassy_K's Unenforceability Diary

I've not sent it yet Niddy, should I hold off for a little bit then?

[Never-In-Doubt]

Re: Grassy_K's Unenforceability Diary

Maybe a bit hasty with the LBA but hey ho - no harm. Keep us updated and don't miss anything, any threats let us know please.

[Grassy_K]

Re: Grassy_K's Unenforceability Diary

Alright. Will do, thanks Deepie

[Deepie]

Re: Grassy_K vs Nasty Banks

Barclaycard #3

Date commenced: Approx. 2002

Approx Balance £2500

Date last paid: June 2014

Defaulted: 2012?

Status: Wussy £5 token payments via StepChange (July 2014 payment missed due to lack of funds)
Account owner: IDR Finance II Ltd c/o Link Financial Outsourcing Ltd

20/08/13 Court threat (letter before action) from Link despite making token payments as agreed (claimed £5 short although it wasn't.. paid up to get rid of them)
30/06 - CCA request sent to IDR Finance via Link
14/07 - Reply from Link - as you are aware, this account was assigned from Barclaycard to IDR Finance in 2013, as such we do not hold the documentation. We have requested the documents including the most recent terms and conditions from Barclaycard and "very much look forward" (???) to providing you with them shortly. Please be aware that this may take up to 30 days.

30/07 - Update - S78 Reply received directly from Barclaycard. I deem this to be because it is just two sets of terms and conditions - no application form, no signature, no date. "Terms and conditions received" letter will be going off to LINK at the weekend.

7/5/2015 - Letter from my old friends at Link after a long absence, nothing threatening just asking for payment proposals. Popped off a little reminder that the account is in dispute and to read my letter from August 2014

13/5/2015 - Pre action letter from Link on behalf of IDR Finance - unless payments resume by 19/05, we intend to commence court proceedings.

Bugger. This is getting serious now. I'm going to send a recorded letter reminding them that they haven't responded to any of my previous letters and only sent generic terms in response to CCA request, unless anyone has any better ideas?

Needs a letter before action ........well that's what I'd do ....

[Grassy_K]

Re: Grassy_K vs Nasty Banks

Barclaycard #3

Date commenced: Approx. 2002

Approx Balance £2500

Date last paid: June 2014

Defaulted: 2012?

Status: Wussy £5 token payments via StepChange (July 2014 payment missed due to lack of funds)
Account owner: IDR Finance II Ltd c/o Link Financial Outsourcing Ltd

20/08/13 Court threat (letter before action) from Link despite making token payments as agreed (claimed £5 short although it wasn't.. paid up to get rid of them)
30/06 - CCA request sent to IDR Finance via Link
14/07 - Reply from Link - as you are aware, this account was assigned from Barclaycard to IDR Finance in 2013, as such we do not hold the documentation. We have requested the documents including the most recent terms and conditions from Barclaycard and "very much look forward" (???) to providing you with them shortly. Please be aware that this may take up to 30 days.

30/07 - Update - S78 Reply received directly from Barclaycard. I deem this to be because it is just two sets of terms and conditions - no application form, no signature, no date. "Terms and conditions received" letter will be going off to LINK at the weekend.

7/5/2015 - Letter from my old friends at Link after a long absence, nothing threatening just asking for payment proposals. Popped off a little reminder that the account is in dispute and to read my letter from August 2014

13/5/2015 - Pre action letter from Link on behalf of IDR Finance - unless payments resume by 19/05, we intend to commence court proceedings.

Bugger. This is getting serious now. I'm going to send a recorded letter reminding them that they haven't responded to any of my previous letters and only sent generic terms in response to CCA request, unless anyone has any better ideas?

[IF]

Re: Grassy_K's Unenforceability Diary

Well done from me too Grassy_K

[nanna58]

Re: Grassy_K's Unenforceability Diary

Keep it very very safe. Great letter to get well done xxxxx