Start of my unenforceabilty journey

[unicorndeva]

Re: Start of my unenforceabilty journey

I sent cheques for £1 with each of the requests but most of them have said they won't take the £1 as a gesture of goodwill. Does it still stand as legally compliant even if they haven't taken the £1?

[cymruambyth]

Re: Start of my unenforceabilty journey

Just remember that if a legally compliant request with £1 is delivered and they do not supply a CCA then the debt cannot be enforced until it is supplied.

[unicorndeva]

Re: Start of my unenforceabilty journey

We are going self managed to give us more control over the debts. I've recently not been able to work due to stress so was going to put all the creditors on token payments but do I even need to pay the token amounts if the creditors are in default for not supplying CCA's?

All the help you guys give is amazing... I would have just blindly carried on paying (with an end date well into retirement) without even knowing about half of the things on this website... you've given me a lifeline!!!

[cymruambyth]

Re: Start of my unenforceabilty journey

Hi and welcome to AAD. You have started this thread in the UE diary section. You need to read different threads to see how others have dealt with their journeys. You will see that there is a format to lay out each debt in a different post so that you keep all the information together.
As nanna has said we follow a set routine using the letters on the site which have been written to cover all legal areas.

You say that you are going to self manage - why? Are you going to to continue paying or trying for UE? I self managed and then went UE, but kept on paying the 'nice' companies that didn't hassle me; as a consequence even though all my debts have left my credit file I am still fighting a couple whereas the companies that caused me problems have all gone!
When you receive paperwork post here for guidance. As for the agreements that you have received, as nanna has said send them to webmaster@all-about-debt.co.uk without any of the details removed and with a link to this thread.

Good luck

[unicorndeva]

Re: Start of my unenforceabilty journey

We are currently in the process of going self managed. Do we pay anything at all to the ones that haven't responded?

Also, I posted the agreements using the tools on this site which set up a separate thread for them... is that ok for Niddy to pick up or do I need to send it somewhere else? Sorry I'm not very tech savvy!

[nanna58]

Re: Start of my unenforceabilty journey

Hi and welcome, usually we wouldn't chase up anything because as long as they haven't replied they are in default .Don't be concerned though xxxx
Could you send the ones you have to Niddy the site owner to take a look for you puttng your username in then title, no need to block anything out it's secure.

webmaster@all-about-debt.co.uk good luck.

[unicorndeva]

So, in February I sent out CCA requests to all of our creditors. So far two have responded with copy agreements: Both are...

Credit cards
One commenced in 1994 and one in 2006 (my husbands)
Mine has about £1700 (the 1994 one), husbands has about £7200
Last full payments were in 2010/11
Being paid on a DMP
Both defaulted and may not be on our credit file (will have to check).
Owned by Link


I did send the copy agreements over to you guys yesterday to see if they are enforceable or not (I'm hoping not).
I've posted out letters today chasing up the other creditors but am wondering if this is the correct thing to do?
Sorry I am new at this and didn't even know about enforceabilty until I looked at another forum.
Thanks for all your help