ashling's unenforceability diary

[ashling]

Re: ashling's unenforceability diary

HBOS CREDIT CARD


Type of account (credit card)


Date commenced (May 2003)


Approx balance �728


Date last paid (2/3 months before June 2009)


Are you on arrangement or not paying not paying


Status (default)


Account owner (Lowells and now with Bryan Carter)

Over the years this has been passed around various DCA's but have not kept any paperwork.

23/4/2014 Letter from Bryan Carter they have received instructions to issue court proceedings if payment not received by 7/5

26/4/2014 Sent a reply to the LBA asking for documents to Bryan Carter
26/4/2014 Sent a CCA request to Lowells copy to Bryan Carter

10/5/2014 Letter from Bryan Carter noting I have requested documents but I should contact them by 30th May with payment proposals.

Waiting for advice on what to send next had opened a previous thread.

29/5/2014 sent letter to bryan carter advising that have sent a CCA request to Lowells, they have not responded and they cannot enforce in court until they reply. Also asks to place account on hold. (sent as advised by Elsa)

06/6/2014 Reply from Bryan Carter they have referred to their client and await instructions. In the meantime account on hold.

In the meantime I had sent a SAR to Halifax as I wanted to know last payment date and if they had a credit agreement. I have received a signed application form and 2 sets of terms and conditions.

Wondering if I could get some advise on these please?

[Deepie]

Re: ashling's unenforceability diary

Wondering if I could get some advise on these please?

Send it here---> webmaster@all-about-debt.co.uk

Unedited only N I D well see this so it's save enough

[ashling]

Re: ashling's unenforceability diary

Thanks Deepie. Would I need to send both sets of T&c as I think one set maybe the current terms does he need those? Thanks.

[Deepie]

Re: ashling's unenforceability diary

Thanks Deepie. Would I need to send both sets of T&c as I think one set maybe the current terms does he need those? Thanks.

Just send what you have

[ashling]

Re: ashling's unenforceability diary

Ok thanks. Have scanned everything and sent to e-mail address above. 17 pages in total. will await the verdict.

[ashling]

Re: ashling's unenforceability diary

Wondering if Niddy would please let me know if info received pretty please.

[ashling]

Re: ashling's unenforceability diary

Hello any word on this please?

[IF]

Re: ashling's unenforceability diary

Hello any word on this please?

Hiya ashling, I would send the email again to Niddy as he hasn't stopped since he got back from his holidays. Also we did have a fault with our email system and it may have got lost.

On the email subject line do put your username 'ashling' so he know who you are.

Best wishes
IF

[ashling]

Re: ashling's unenforceability diary

Ok thanks IF will send again

[Never-In-Doubt]

Re: ashling's unenforceability diary

Sorry I'm just really busy. I'll get to it soon. Hopefully by tonight.

[Never-In-Doubt]

Re: ashling's unenforceability diary

Wondering if Niddy would please let me know if info received pretty please.

Yes I've received it. Leave it with me please I'm just working on prioritised stuff. Won't be too long now.

[ashling]

Re: ashling's unenforceability diary

Ok great no rush just wanted to make sure you received it as a lot of attachments. Just ignore the one I just re-sent Lowell's still have not produced it anyways so don't think they will try court before they have complied.

[ashling]

Re: ashling's unenforceability diary

[QUOTE=ashling;404093]HBOS CREDIT CARD


Type of account (credit card)


Date commenced (May 2003)


Approx balance �728


Date last paid (2/3 months before June 2009)


Are you on arrangement or not paying not paying


Status (default)


Account owner (Lowells and now with Bryan Carter)

Over the years this has been passed around various DCA's but have not kept any paperwork.

23/4/2014 Letter from Bryan Carter they have received instructions to issue court proceedings if payment not received by 7/5

26/4/2014 Sent a reply to the LBA asking for documents to Bryan Carter
26/4/2014 Sent a CCA request to Lowells copy to Bryan Carter

10/5/2014 Letter from Bryan Carter noting I have requested documents but I should contact them by 30th May with payment proposals.

Waiting for advice on what to send next had opened a previous thread.

29/5/2014 sent letter to bryan carter advising that have sent a CCA request to Lowells, they have not responded and they cannot enforce in court until they reply. Also asks to place account on hold. (sent as advised by Elsa)

06/6/2014 Reply from Bryan Carter they have referred to their client and await instructions. In the meantime account on hold.

In the meantime I had sent a SAR to Halifax as I wanted to know last payment date and if they had a credit agreement. I have received a signed application form and 2 sets of terms and conditions.

9/6/14 Sent e-mail to Niddy with application for and 2 sets of terms and conditions.

12/6/2014 Reply from Niddy he says it looks enforceable.

I am gutted. I have read so many other threads with Halifax CC from 2003 all unenforceable. Good thing at the moment Lowells have not replied with this agreement yet. Still I am very disappointed

[ashling]

Re: ashling's unenforceability diary

HBOS Current Account with Overdraft


Type of account (current account)


Date commenced (June 1993)


Approx balance 390


Date last paid (feb 2009)


Are you on arrangement or not paying not paying


Status (default)


Account owner (ist Credit)

Well it seems everyone is crawling out of the woodwork now.

14/6/14 Received letter from Ist Credit today. Headed Exclusive Discount Offers. 50% off if i pay in june. 30% if i pay monthly over 24 months. Ist credit have had this since 2011 and I never contacted them and they haven't written much.

In my SAR from Halifax there is no sign of any application form or whatever I might have signed to open this account.

Any idea what I should do if anything??

[Never-In-Doubt]

Re: ashling's unenforceability diary

A SAR is useless. You need to apply for a s.78 separately.

Why spend £10 on SAR?