thetinman UE Diary

[thetinman]

Re: thetinman UE Diary

capquest must need funds quick, another letter ( two in two weeks ) about my capitol 1 card.
prior to start of legal proceedings various checks are undertaken which shows no ccj at address, blah, blah, blah no contact in 14 days will move account forward to litigation.

LETS WORK ON THIS TOGETHER

I think not

do I ignore or send anything

[Locke]

Re: thetinman UE Diary

capquest must need funds quick, another letter ( two in two weeks ) about my capitol 1 card.
prior to start of legal proceedings various checks are undertaken which shows no ccj at address, blah, blah, blah no contact in 14 days will move account forward to litigation.

LETS WORK ON THIS TOGETHER

I think not

do I ignore or send anything

Send the "Account Sold whilst in Dispute" letter from the templates.

[Deepie]

Re: thetinman UE Diary

capquest must need funds quick, another letter ( two in two weeks ) about my capitol 1 card.
prior to start of legal proceedings various checks are undertaken which shows no ccj at address, blah, blah, blah no contact in 14 days will move account forward to litigation.

LETS WORK ON THIS TOGETHER

I think not

do I ignore or send anything

Send the "Account Sold whilst in Dispute" letter from the templates.

yes send Account sold in Dispute letter

[Never-In-Doubt]

Re: thetinman UE Diary

That'll be a send this off ---> Account Sold whilst in Dispute

[thetinman]

Re: thetinman UE Diary

Out of the blue after letter saying no cca littlewoods send a cca,
I have emailed niddy a copy and will wait and see what to do now.

[Never-In-Doubt]

Re: thetinman UE Diary

Out of the blue after letter saying no cca littlewoods send a cca,
I have emailed niddy a copy and will wait and see what to do now.

I'll check now brb

[Never-In-Doubt]

Re: thetinman UE Diary

I'll check now brb

Nothing changes - they have just sent any old random signed agreement - yea, you may think that changes things but it doesn't - this is one of those silly flexible accounts, so in essence if you read their own letter it clearly says "your account was opened on 27.01.1997" but check the date on the agreement you signed? Its 02.03.1999 - probably when you bought something over BNPL or extended interest free or similar - however that is not the agreement that you agreed to when you opened the account NOR are there any terms.

Its 100%

Respond with this: ---> Unenforceability Templates - Section 4

[thetinman]

Re: thetinman UE Diary

Nothing changes - they have just sent any old random signed agreement - yea, you may think that changes things but it doesn't - this is one of those silly flexible accounts, so in essence if you read their own letter it clearly says "your account was opened on 27.01.1997" but check the date on the agreement you signed? Its 02.03.1999 - probably when you bought something over BNPL or extended interest free or similar - however that is not the agreement that you agreed to when you opened the account NOR are there any terms.

Its 100%

Respond with this: ---> Unenforceability Templates - Section 4

Cheers Niddy letter will be sent

[thetinman]

Re: thetinman UE Diary

I have Received a cca from cahoot and Barclaycard, have sent them to niddy to check but one looks enforceable to me

[thetinman]

Re: thetinman UE Diary

Received letter from cap one in answer to missing prescribed terms letter it says they have sent me a reconstituted copy of my original agreement a copy of my current t&c's and a statement of account and have fully complied with s78 of the consumer credit act and that I failed to state why the agreement is improperly executed pursuant to section 61(1) of cca 1974.
it then goes on to talk about judge waksman in carey blah,blah,blah
they then say the agreement is enforceable and will continue to treat it as such.
do I ignore or is there some letter I should send.

[Deepie]

Re: thetinman UE Diary

Received letter from cap one in answer to missing prescribed terms letter it says they have sent me a reconstituted copy of my original agreement a copy of my current t&c's and a statement of account and have fully complied with s78 of the consumer credit act and that I failed to state why the agreement is improperly executed pursuant to section 61(1) of cca 1974.
it then goes on to talk about judge waksman in carey blah,blah,blah
they then say the agreement is enforceable and will continue to treat it as such.
do I ignore or is there some letter I should send.

Send this off to them > Final Response - Unenforceability (CCA Received)

[Never-In-Doubt]

Re: thetinman UE Diary

I have Received a cca from Barclaycard, have sent them to niddy to check

Barclays is unenforceable, all they've sent is some terms, yea - what else?

It's

Respond as follows: ---> CCA Query - Terms & Conditions Received

[Never-In-Doubt]

Re: thetinman UE Diary

I have Received a cca from cahoot, have sent to niddy to check but one looks enforceable to me

This is a Cahoot Flexi-Loan, I tend to avoid these as they are kind of a s.77 & s.78 account so it's hard to establish properly; that said I do not know of one case where cahoot have successfully taken action against a debtor with a Flexi-Loan. These loans worked like an overdraft cum loan, thus the terms are really sketchy - basically see what happens but for now class it as temporarily unenforceable and respond with this: ---> CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: thetinman UE Diary

Received letter from cap one

do I ignore or is there some letter I should send.

Ignore them.

Yea they always say this, it's a copy/paste job and yes they can send a recon (in line with Carey) however that doesn't mean they can only send a recon of terms, they still need to send the terms from inception AND current ones; they have not so it remains

[Never-In-Doubt]

Re: thetinman UE Diary

Send this off to them > Final Response - Unenforceability (CCA Received)

I wouldn't, but it doesn't matter too much mate - it's 50/50 as to whether you answer or ignore.

Cheers