time to sort this mess out

[Never-In-Doubt]

Re: time to sort this mess out

It's

terms 1-6 are missing. You had to have those at inception. Clearly you didn't so your agreement is unenforceable because the recons supplied are only part covering the request. Don't tell them this, but basically the PT's are not intact.

[Jaffacake]

Re: time to sort this mess out

Hi Niddy just sent them now with the heading - jaffacake

[Never-In-Doubt]

Re: time to sort this mess out

Replied asking if you can mail me a copy please

[nanna58]

Re: time to sort this mess out

Always best to let Niddy take a look x

[Jaffacake]

Re: time to sort this mess out

all documents I received have been uploaded

[cymruambyth]

Re: time to sort this mess out

Yes, send them to Niddy, with your user name in subject line and a link to your thread. If possible send them as a pdf.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Mint CC
Date Commenced - 2004
Approx Balance - £1266
Date last paid - ?
Arrangement or not paying – DMP- last payment 03/16
Status –
Account owner –Royal Bank Of Scotland managed by Moorcroft

03/03/16 – CCA Request sent
07/03/16 – CCA request sent back toldto send to royal bank of Scotland as they are the owners of account.
11/03/16 – CCA Request sent to Royal bank of Scotland
15/03/16 – CCA request signed for
06/04/16 - Received copy of agreement and terms&conditions ( niddy says )

07/05/16 - letter recieved from moorcroft asking for a proposal of payment or possible further debt recovery action may happen.
11/06/16 - letter received saying there agent has been unable to contact me so they have passed my details onto a new dca called Allied international credit(uk) ltd.

[nightwatch]

Re: time to sort this mess out

The next letter may ask for payment, but you don't have to pay if they can't find the agreement,
They can continue to ask for payments or pass it to a DCA, but they cannot enforce through the courts as they need the CCA.
keep the letter safe just in case you need it at a later date,

well done NW x

[cymruambyth]

Re: time to sort this mess out

That's great news, keep it safe!

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – HFC Bank plc
Date Commenced - ?
Approx Balance - 759
Date last paid - ?
Arrangement or not paying – DMP
Status – ?
Account owner – Idem servicing

26/02/16 – full and final settlementsent
07/03/16 – offer rejected wanting meto fill out a financial statement
11/03/16 – CCA Request sent
14/03/16 – CCA request received
17/03/16 – letter received sayingthey will provide info in 12 working days.
21/03/16- Letter received acknowledging request for documents they have forwarded it to HFC Bank PLC(letter dated 17/03/16)
01/04/16 - Letter received stating that they are unable to supply a copy of the agreement or statements and acknowledge that it cant be enforced.

received the following today so sounds like good news.
Thank you for your request under the consumer credit act 1974, Unfortunately we are unable to supply a copy of the credit agreement and we acknowledge that until we do so the agreement cannot be enforced. However the account is still outstanding and we will continue to pursue this debt which will include registering any arrears and defaults with credit reference agencies(they cant as it has already dropped off my credit file).
this is just the main bit off the letter so I'm now just waiting for there next letter.

[nightwatch]

Re: time to sort this mess out

statements are part of the CCA request, but if they cannot find them they probably can't find anything else, sooooo, just chill out and see what comes next x

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Barclay card
Date Commenced - 2003
Approx Balance - 2692
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2012
Account owner – capquest

03/03/16- CCA request sent
04/03/16- CCA request signed for
26/03/16 - received letter stating that money plus are no longer dealing with my account and for me to contact them regarding payment account on hold until 04/04/16.
29/03/16 - received letter saying that they are unable to obtain copy statements for the above account as they are unavailable from Barclay.


well looks like some good news on this account as they are unable to obtain copy statements from Barclay as they are unavailable. but I never asked for statements I sent a CCA request.

[nightwatch]

Re: time to sort this mess out

you sit and wait, do not contact them, that is what they are hoping for,It may be taken as a sign of someone worried, which is what they want to do. you have sent the CCA request , you have proof, they can take forever to send anything or nothing,
Chillax for now . NW

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Barclay card
Date Commenced - 2003
Approx Balance - 2692
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2012
Account owner – capquest

03/03/16- CCA request sent
04/03/16- CCA request signed for
26/03/16 - received letter stating that money plus are no longer dealing with my account and for me to contact them regarding payment account on hold until 04/04/16.
29/03/16 - received letter saying that they are unable to obtain copy statements for the above account as they are unavailable from Barclay.



- - - Updated - - -

So what should my next move be, should I just wait for them to start chasing this or should I send something asking why they haven't replied to my cca request?(they received it on the 04/03/16 and it was signed for.

[nightwatch]

Re: time to sort this mess out

I agree with Alland, will be interesting to see what you get back,