Start of my unenforceabilty journey

[unicorndeva]

Do you know why it's unenforceable? It just that its post 2007 dated and I didn't think they'd admit to anything past that date.
Well done though, I'm pleased for you

They were unable to provide us with an agreement so I assume that's why it's unenforceable

[vaper]

Ah thanks. I'm still learning

[nightwatch]

Do you know why it's unenforceable? It just that its post 2007 dated and I didn't think they'd admit to anything past that date.
Well done though, I'm pleased for you

they have combined the loan and an overdraft, shouldn't be done,

[vaper]

Do you know why it's unenforceable? It just that its post 2007 dated and I didn't think they'd admit to anything past that date.
Well done though, I'm pleased for you

[Susiebling365]

23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!

That is brilliant!! I love reading those posts and especially when it is from a company we are dealing /dealt with ...Well done you

[unicorndeva]

Re: Start of my unenforceabilty journey

So here goes with all of our debts:

Owned by Natwest, managed by Wescot
Bank loan and overdraft (combined by creditor for the DMP)
Loan commenced in July 2007, overdraft bank account commenced in the 1980's
£18800 outstanding
Last full payment in 2010/11
Being paid on a DMP
Defaulted


CCA request sent end of Feb 2017. Wescot wrote back advising us to request it from Natwest direct.
New CCA request sent 15th May 2017

23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!

[Roger]

Roger, no need for apologies. I'm just grateful for all the help given on this site! I would be interested in that template though. Barclays have been the worst creditor by far and I'd really like to stick it to them.

Here -> https://www.all-about-debt.co.uk/for...ca-information

[unicorndeva]

Roger, no need for apologies. I'm just grateful for all the help given on this site! I would be interested in that template though. Barclays have been the worst creditor by far and I'd really like to stick it to them.

[Roger]

My apologises.
AAD doesn't render properly in my browser at the moment.
There is a Letter to send out for Current Accounts. Perhaps some kind person could find it for you.
I would send that before paying even a 1p

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by Barclays
Overdraft
Unsure of start date
£320
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).

2nd bank account

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by Barclays
Overdraft
Unsure of start date
£670
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).

Hi Roger they are both on the second page but I'll post them here too.

[Roger]

These two are bank accounts not credit cards or loans so as far as I'm aware are enforceable. We were only paying £5 per month on the Step Change DMP so dropping to £1 isn't a big change for them.

Do I write to them and tell them they aren't having any statements etc, or just leave it until they cave in? I can't pay them anything until they provide me with their bank details.

Thanks for your answers and help!

You don't seemed to have created a Diary entry for these two bank accounts.
I think this would be helpful at this moment its difficult to give advice without more details.

[Still Waving]

These two are bank accounts not credit cards or loans so as far as I'm aware are enforceable. We were only paying £5 per month on the Step Change DMP so dropping to £1 isn't a big change for them.

Do I write to them and tell them they aren't having any statements etc, or just leave it until they cave in? I can't pay them anything until they provide me with their bank details.

Thanks for your answers and help!

These two are bank accounts not credit cards or loans so as far as I'm aware are enforceable. We were only paying £5 per month on the Step Change DMP so dropping to £1 isn't a big change for them.

Do I write to them and tell them they aren't having any statements etc, or just leave it until they cave in? I can't pay them anything until they provide me with their bank details.

Thanks for your answers and help!

I think I would contact the DMP provider and ask them for the sort code and account details they are paying to in respect of these accounts. If you can get the details, you could start making the payments, and advise Barclays by letter that you have started making payments into a/c no.xxxxxx. Alternatively, if you haven't already, ask Barclays - they shouldn't refuse the information even if they haven't agreed to your offer.

[unicorndeva]

Are you not investigating unenforceability on these accounts? I see in post #63 that at least one of these account is UE, so why are you continuing to pay?.

These two are bank accounts not credit cards or loans so as far as I'm aware are enforceable. We were only paying £5 per month on the Step Change DMP so dropping to £1 isn't a big change for them.

Do I write to them and tell them they aren't having any statements etc, or just leave it until they cave in? I can't pay them anything until they provide me with their bank details.

Thanks for your answers and help!

[nightwatch]

Have you sent/ received CCA's for the Barclay debt's? are these overdrafts?
You don't have to send them anything if you don't want to. only a court can ask for financial information,
But most will say they won't accept £1 without proof that you have no money.Or that you are not frittering it away on flash cars and golfing holidays.