Unenforceable CCA with Very catalogue, help needed

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

So should I not send the creditor wont accept UE template letter?

[CleverClogs (RIP)]

Re: Unenforceable CCA with Very catalogue, help needed

So should I not send the creditor wont accept UE template letter?

So that they'll have something else with which they'll disagree?

[CleverClogs (RIP)]

Re: Unenforceable CCA with Very catalogue, help needed

Didn't have PPI, specifically remember guy on the phone asking what I would do if I couldn't make my payments and I said my dad would pay them!!! But that was my thoughts. What do you suggest I do? Would it be worth seeing if they did add PPI?

Yes, as the sales jerk to whom you spoke probably got commission on PPI or, at least, an extra food pellet reward in his Skinner box.

[Deepie]

Re: Unenforceable CCA with Very catalogue, help needed

Your very account is UE isn't it? You don't need to reply with anything.

Lenders are always certain that they've complied with your cca request, even when we know they haven't

So should I not send the creditor wont accept UE template letter?

So that they'll have something else with which they'll disagree?

It's up to you......I'm 4 years in and still playing letter ping pong

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Just a quick update still haven't made any payments to Lloyds (or obviously the UE account to Very) and have now cancelled my DMP. I received a letter from lloyds last week asking for a new expenditure sheet and another adding £200 in interest and charges ( they have added over £1000'since started DMP last August and I only paid off £300 from Aug till Jan). Do I just keep on ignoring them and hope they sell it on soon? How long do they normally take to sell the account and how long after do you normally wait to send an F&F?

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Ok after reading some other posts looks like they sell after 3 months and default after 6. So guess I'm looking at around July time before they default account. Means July 2018 my credit report may look ok

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

The lloyds accounts aren't UE, it's only the very account that is.

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Ok so I've received four letters in the last week from lloyds, all exactly the same but with different dates: basically says at top IMPORTANT YOU SHOULD READ THIS CAREFULLY
Which part of the agreement have I broken? Blah blah blah
How have I broken it? Blah blah blah
What will we do if you do not correct the breach: we will refer your account to our solicitors and they will claim what you owe us through the courts blah blah blah.
They all came with an enclosed information sheet regarding DEFAULT.
This is the account that is enforceable and I am waiting for them to default in the hope that eventually they will accept an F&F.

So: 1) is this an actual default or just a scare tactic?
2) do I need to reply with anything or just keep on ignoring?
3) what's the actual chance that they would take me to court?

Thanks for any help in advance.

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Also received a reply to a letter I sent them last December, where I asked if they could stop all interest and charges on the account and they have sent me an expenditure form to fill in which I am planning on putting in the bin??

[MrsD]

Re: Unenforceable CCA with Very catalogue, help needed

sounds like 4 defaults? all for the same account?
just file em away

and no, don't send them an i&e, nosey buggers, they just want to beat you about the head with it.

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Yes all letters for the same account, my overdraft.

[CleverClogs (RIP)]

Re: Unenforceable CCA with Very catalogue, help needed

Unless the letters contained certain information and be presented in a form prescribed by section 87 of the Consumer Credit Act 1974 (link) and the regulations appertaining thereto, they simply will not be valid.

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

So do I need to reply?

[Deepie]

Re: Unenforceable CCA with Very catalogue, help needed

just ignore for now see what they do next..........

[Never-In-Doubt]

Re: Unenforceable CCA with Very catalogue, help needed

Ok so I've received four letters in the last week from lloyds

So: 1) is this an actual default or just a scare tactic?

I see you're guessing how Lloyds work already - bore you with bumph all the while trying to scare you.... they don't reckon on you being here though do they

Muppets