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  • Re: Grassy_K's Unenforceability Diary

    If the CCA is now 100% UE then (I know I'm going to regret this when the claim arrives, lol) I fight on.

    One question should I respond to their latest threat?

    Thanks Niddy and Spud for the advice and encouragement.

    Comment


    • Re: Grassy_K's Unenforceability Diary

      Does it say that they will issue a claim? I'm trying to work out if it is a LBA. If it is, then there is a specific LBA response letter.
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment


      • Re: Grassy_K's Unenforceability Diary

        It's not a LBA but getting close.

        Comment


        • Re: Grassy_K's Unenforceability Diary

          Well the CCA doesn't have original terms plus other stuff.

          In honestly, if it was me I'd literally send a missing PT's template to make them aware there's a fault but leave it vague - don't tell them what's actually wrong
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          • Re: Grassy_K's Unenforceability Diary

            Originally posted by Never-In-Doubt View Post
            Well the CCA doesn't have original terms plus other stuff.

            In honestly, if it was me I'd literally send a missing PT's template to make them aware there's a fault but leave it vague - don't tell them what's actually wrong
            Totally agree, Missing PT's but no detail. Don't give anything away

            Then If the LBA comes, You can refer them back to your PT's letter. If they persist and claim......You have the upper hand. You have told them there are issues but they ignored these ( Where as a holder of a CCA licence they ought to stop) and have railroaded ahead despite being made fully aware - That is not going to help them in front of a district judge is it?
            Last edited by Spud; 16 May 2016, 10:20.
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • Re: Grassy_K's Unenforceability Diary

              Originally posted by Grassy_K View Post
              (I know I'm going to regret this when the claim arrives, lol)
              I will just correct you there....You will be a bit disheartened IF the claim arrives, But I am positive you wont regret it when it reaches a conclusion one way or another

              Remember you are not alone in this
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • Re: Grassy_K's Unenforceability Diary

                Halifax Platinum Card

                Date commenced: Approx. 2004

                Approx Balance £9000

                Date last paid: June 2014

                Defaulted: 2012?

                Status: Wussy £5 token payments via StepChange - not paying since July

                Account owner: Aktiv Kapital


                30/06 - CCA request sent to Aktiv Kapital
                15/07 - Response from AK. Acknowledging request for agreement under S 77-79 of the CCA. Will endeavour to obtain documents within the prescribed time frames. Have put the collection process on hold until the information is provided.
                06/10 - Letter from AK enclosing documents. Further to your request here are the documents. Payment proposals within 14 days or we will take further action.
                11/10 - Letter to Aktiv - no signature and missing PT's
                17/10 - Swift response from Aktiv - here's a document with your signature on it (card upgrade agreement to the Halifax One card) - now pay up or else. [Plus another copy of the T&C's supplied before.]
                28/10 - Niddy says but easily remedied. Recommends sending MPT letter. Will send at the weekend. May need to come up with an offer on this in the future (my thoughts), but blagging for now.
                17/11 - Strange response from Aktiv Kapital (or PRA group as they have now rebranded...) stating that the upgrade agreement prevails and can we please have some money. But I think the upgrade agreement is still defective. Contacted Niddy.
                14/1/15 - PRA Group letter - you need to pay us.
                15/1/15 - Sent Niddy custom letter back ("upgrade unenforceable")
                19/1/15 - The Niddy Special letter seems to have done the trick for the moment. PRA haven't responded to the contents of the letter, they have simply written to advise that the account is on hold while they attempt to obtain further information from the original creditor. Will await their next chess move.... Thanks Niddy!

                27/3/15 - I knew it was too good to last - it's been so quiet recently apart from the usual useless DCA drivel, but now PRA have resurfaced enclosing the missing T&C's. No threats yet, but require me to make contact by 19th April.

                7/5/16 - PRA Group - your account has now been transferred to our Investigations and Litigation department for litigation recovery. 14 days to set up a payment plan or make contact to avoid, quote, the "next stage"

                16//5/16 - Niddy and AAD Solicitor confirm 100%

                16/5/16 - Slightly customised MPT letter concocted, first paragraph reminds of previous correspondence. Asked Niddy to kindly check it over before sending. Will send reply in next day or so.


                Thanks everyone for your continued support. This is all very stressful but a quick calculation shows me that I already have £16,000 debt admitted unenforceable at this stage in my journey, and quite a bit more UE but not admitted by the creditors. This forum is quite simply a wonderful alternative to bankruptcy, CCJs or a literal "life sentence" treadmill of repayments!

                Comment


                • Re: Grassy_K's Unenforceability Diary

                  We are all with you Grassy xxxx
                  if you do it today and you like it you can always do it again tomorrow


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • Re: Grassy_K's Unenforceability Diary

                    Halifax Platinum Card

                    Date commenced: Approx. 2004

                    Approx Balance £9000

                    Date last paid: June 2014

                    Defaulted: 2012?

                    Status: Wussy £5 token payments via StepChange - not paying since July

                    Account owner: Aktiv Kapital


                    30/06 - CCA request sent to Aktiv Kapital
                    15/07 - Response from AK. Acknowledging request for agreement under S 77-79 of the CCA. Will endeavour to obtain documents within the prescribed time frames. Have put the collection process on hold until the information is provided.
                    06/10 - Letter from AK enclosing documents. Further to your request here are the documents. Payment proposals within 14 days or we will take further action.
                    11/10 - Letter to Aktiv - no signature and missing PT's
                    17/10 - Swift response from Aktiv - here's a document with your signature on it (card upgrade agreement to the Halifax One card) - now pay up or else. [Plus another copy of the T&C's supplied before.]
                    28/10 - Niddy says but easily remedied. Recommends sending MPT letter. Will send at the weekend. May need to come up with an offer on this in the future (my thoughts), but blagging for now.
                    17/11 - Strange response from Aktiv Kapital (or PRA group as they have now rebranded...) stating that the upgrade agreement prevails and can we please have some money. But I think the upgrade agreement is still defective. Contacted Niddy.
                    14/1/15 - PRA Group letter - you need to pay us.
                    15/1/15 - Sent Niddy custom letter back ("upgrade unenforceable")
                    19/1/15 - The Niddy Special letter seems to have done the trick for the moment. PRA haven't responded to the contents of the letter, they have simply written to advise that the account is on hold while they attempt to obtain further information from the original creditor. Will await their next chess move.... Thanks Niddy!

                    27/3/15 - I knew it was too good to last - it's been so quiet recently apart from the usual useless DCA drivel, but now PRA have resurfaced enclosing the missing T&C's. No threats yet, but require me to make contact by 19th April.

                    7/5/16 - PRA Group - your account has now been transferred to our Investigations and Litigation department for litigation recovery. 14 days to set up a payment plan or make contact to avoid, quote, the "next stage"

                    16//5/16 - Niddy and AAD Solicitor confirm 100%

                    16/5/16 - Slightly customised MPT letter concocted, first paragraph reminds of previous correspondence. Asked Niddy to kindly check it over before sending. Will send reply in next day or so.
                    18/5/16 - MPT / UE letter sent to
                    Parasitic Recovery A$$wipes Group

                    Comment


                    • Re: Grassy_K's Unenforceability Diary

                      Halifax Platinum Card

                      Date commenced: Approx. 2004

                      Approx Balance £9000

                      Date last paid: June 2014

                      Defaulted: 2012?

                      Status: Wussy £5 token payments via StepChange - not paying since July

                      Account owner: Aktiv Kapital


                      30/06 - CCA request sent to Aktiv Kapital
                      15/07 - Response from AK. Acknowledging request for agreement under S 77-79 of the CCA. Will endeavour to obtain documents within the prescribed time frames. Have put the collection process on hold until the information is provided.
                      06/10 - Letter from AK enclosing documents. Further to your request here are the documents. Payment proposals within 14 days or we will take further action.
                      11/10 - Letter to Aktiv - no signature and missing PT's
                      17/10 - Swift response from Aktiv - here's a document with your signature on it (card upgrade agreement to the Halifax One card) - now pay up or else. [Plus another copy of the T&C's supplied before.]
                      28/10 - Niddy says but easily remedied. Recommends sending MPT letter. Will send at the weekend. May need to come up with an offer on this in the future (my thoughts), but blagging for now.
                      17/11 - Strange response from Aktiv Kapital (or PRA group as they have now rebranded...) stating that the upgrade agreement prevails and can we please have some money. But I think the upgrade agreement is still defective. Contacted Niddy.
                      14/1/15 - PRA Group letter - you need to pay us.
                      15/1/15 - Sent Niddy custom letter back ("upgrade unenforceable")
                      19/1/15 - The Niddy Special letter seems to have done the trick for the moment. PRA haven't responded to the contents of the letter, they have simply written to advise that the account is on hold while they attempt to obtain further information from the original creditor. Will await their next chess move.... Thanks Niddy!

                      27/3/15 - I knew it was too good to last - it's been so quiet recently apart from the usual useless DCA drivel, but now PRA have resurfaced enclosing the missing T&C's. No threats yet, but require me to make contact by 19th April.

                      7/5/16 - PRA Group - your account has now been transferred to our Investigations and Litigation department for litigation recovery. 14 days to set up a payment plan or make contact to avoid, quote, the "next stage"

                      16//5/16 - Niddy and AAD Solicitor confirm 100%

                      16/5/16 - Slightly customised MPT letter concocted, first paragraph reminds of previous correspondence. Asked Niddy to kindly check it over before sending. Will send reply in next day or so.
                      18/5/16 - MPT / UE letter sent to
                      Parasitic Recovery A$$wipes Group

                      25/5/16 - Received acknowledgement of correspondence letter and a 2 sided separate enclosure -The PRA Guide To Unenforceability & SS.77/79 of the Consumer Credit Act!! Seriously!! They must be getting a lot of requests...
                      Letter was from and signed by the Chief Operating Officer of PRA Group..

                      Comment


                      • Re: Grassy_K's Unenforceability Diary

                        Originally posted by Grassy_K View Post
                        25/5/16 - Received acknowledgement of correspondence letter and a 2 sided separate enclosure -The PRA Guide To Unenforceability & SS.77/79 of the Consumer Credit Act!! Seriously!! They must be getting a lot of requests...
                        Wow!

                        Any chance you can scan said 'guide' and post it here - would be interesting to see its contents!
                        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                        The consumer is that sleeping giant.!!



                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment


                        • Re: Grassy_K's Unenforceability Diary

                          Originally posted by SaltnVinegar View Post
                          Wow!

                          Any chance you can scan said 'guide' and post it here - would be interesting to see its contents!
                          Will do at the weekend, to be fair it's pretty crap, just 2 sides of A4 and very carefully worded. Stuff like "Writing to us to ask us for this information should not be used to avoid paying what you owe...." and "Once we send you the requested information the debt is enforceable..."

                          Was just surprised that they had gone to the trouble to produce a dedicated, separate flyer on the subject.

                          Comment


                          • Re: Grassy_K's Unenforceability Diary

                            Sounds like they know that most of the accounts they own are UE........Why else would they go to the trouble of knocking something up?

                            But you have got to give it to them for having a half arsed try
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • Re: Grassy_K's Unenforceability Diary

                              Originally posted by Grassy_K View Post
                              Will do at the weekend, to be fair it's pretty crap, just 2 sides of A4 and very carefully worded. Stuff like "Writing to us to ask us for this information should not be used to avoid paying what you owe...." and "Once we send you the requested information the debt is enforceable..."

                              Was just surprised that they had gone to the trouble to produce a dedicated, separate flyer on the subject.
                              Did they send a £1 Postal Order? I should write back and say that you require proof of identity before sending them a reconstituted CCA!
                              Better a double sided blank sheet with P.T.O on the bottom of each page!

                              Comment


                              • Re: Grassy_K's Unenforceability Diary

                                Originally posted by Grassy_K View Post
                                Will do at the weekend, to be fair it's pretty crap, just 2 sides of A4 and very carefully worded. Stuff like "Writing to us to ask us for this information should not be used to avoid paying what you owe...." and "Once we send you the requested information the debt is enforceable..."

                                Was just surprised that they had gone to the trouble to produce a dedicated, separate flyer on the subject.
                                Yes but it would be interesting to see if what in that flyer is misleading. For example - just because they send you the requested information does NOT necessarily make it enforceable.

                                CONC guidelines state that creditors should not mislead or misrepresent a debtors legal position. If that flyer does so, could be interesting, and actually be used against them!
                                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                                The consumer is that sleeping giant.!!



                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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