embrace1204 UE diary

[MustGetStraigh]

Re: embrace1204 UE diary

Hi, I never heard back from the Co-op re. the credit card. Do I ring them to see if they got the letter requesting the CCA?

Don't ring...
If they haven't sent a response and you're over the 12+2 days then they are in default and it's unenforceable until they respond properly.

I presume you sent it Recorded Delivery, if you did then you can check online to see whether they have signed for it or not.

[embrace1204]

Re: embrace1204 UE diary

Hi, I never heard back from the Co-op re. the credit card. Do I ring them to see if they got the letter requesting the CCA?

[Never-In-Doubt]

Re: embrace1204 UE diary

• Type of account - loan
• Date commenced - February 2001
• Approx balance - £7500
  
  
• Date last paid - 1st July 2011
  
• Are you on arrangement or not paying - DMP via CCCS
  
  
• Status DMP is up to date
• Account owner DCA - CL Finance (HSBC lender)

Awesome result -

This is, as the lender states themselves, unenforceable as they cannot locate the agreement so you can stop paying this and ignore future contact unless it's a legal threat of some kind in which case you simply copy that letter and send it with one of these: CCA Query - Letter Previously Confirming No CCA

That letter needs to be kept extremely safe as it is the proof you need that they are unable to enforce the agreement

100%

[Never-In-Doubt]

Re: embrace1204 UE diary

• Type of account - catalogue
  
• Date commenced - 2001
• Approx balance - £218
  
  

1st July 2011 (full payment last made 2005, 1/7/11 is DMP payment)

DMP via CCCS
in arrears according to them but DMP up to date

• Shop Direct

This is weird, they say that according to their records the account was opened in May 2011.....

In any case sending a blank application and saying "you paid £XX over the last year" means little - it is still 100% unenforceable



Respond with the following: CCA Query - Application Form Received

[Never-In-Doubt]

Re: embrace1204 UE diary

• Type of account - loan
• Date commenced - ? 2005
  
• Approx balance - £1850
  
  
• Date last paid - 1st july 2011
• Are you on arrangement or not paying - 0% finance arrangement once CCCS came on board
  
  
• Status up - to-date
  
• Account owner HFC

This is just a letter where they ask for ID etc - however no need. All you do is send this back but edit it to read proof of ID as opposed to signature : Signature Request by Creditor/DCA

Also, you should provide your address history and name/date of birth if requested so they can identify you - all you don't do is provide ID.

Make sense?

[embrace1204]

Re: embrace1204 UE diary

done - i think

[Never-In-Doubt]

Re: embrace1204 UE diary

Please edit above posts and provide the data as per this post

----> allaboutFORUMS - View Single Post - Unenforceability Diaries - Read me First!

[embrace1204]

Re: embrace1204 UE diary

• Type of account - catalogue
  
• Date commenced - 2001
• Approx balance - £218
  
  

1st July 2011 (full payment last made 2005, 1/7/11 is DMP payment)

DMP via CCCS
in arrears according to them but DMP up to date

• Shop Direct

[embrace1204]

Re: embrace1204 UE diary

• Type of account - loan
• Date commenced - ? 2005
  
• Approx balance - £1850
  
  
• Date last paid - 1st july 2011
• Are you on arrangement or not paying - 0% finance arrangement once CCCS came on board
  
  
• Status up - to-date
  
• Account owner HFC

[embrace1204]

• Type of account - loan
• Date commenced - February 2001
• Approx balance - £7500
  
  
• Date last paid - 1st July 2011
  
• Are you on arrangement or not paying - DMP via CCCS
  
  
• Status DMP is up to date
• Account owner DCA - CL Finance (HSBC lender)