thetinman UE Diary

[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)

[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.

[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

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

[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

[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

[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

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

[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

[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.

[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

[thetinman]

Re: thetinman UE Diary

Just ignore for now

cheers in 2 deep will do

[Deepie]

Re: thetinman UE Diary

So now it all starts, cap 1 have sent me an cca and then they let loose the hounds, just got a letter off capquest, our client cap 1 have asked us to manage your account in all matters relating to collection i.e doorstep collection or possible litigation and so on.
do I send them anything or just ignore for now.

Just ignore for now

[thetinman]

Re: thetinman UE Diary

So now it all starts, cap 1 have sent me an cca and then they let loose the hounds, just got a letter off capquest, our client cap 1 have asked us to manage your account in all matters relating to collection i.e doorstep collection or possible litigation and so on.
do I send them anything or just ignore for now.

[swanfan]

Re: thetinman diaries

Sorry that's all I got in 2004 when I originaly had the loan, I have not sent off for a cca off them yet just thought I would check if it's worth sending off for one if they are only gonna send the same one back to me.
Sorry if I have wasted your time but I was told to send you a copy of my original one for you to check if it was worth sending off a cca request.

You send the CCA request off to see if/what they hold now. They may not have kept the agreement, if they haven't great.