Nightwatch & Hubbys Diary of debt

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

I was thinking of sending them a congratulation letter for having gotten the Cap 1 T&C from barclays, as they said they would in their last letter,

OK what do I do now

I've delt with Cap 1 before.... I Would send this------> Final Response - Unenforceable (CCA Received)

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Nice to see you're on top of things - all these 70's accounts - beware, remember if before 1995 then things change a wee bit

Keep us updated - good luck

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nice to see you're on top of things - all these 70's accounts - beware, remember if before 1995 then things change a wee bit

Keep us updated - good luck

Hi Niddy,

Garlok tried explaining this to me (on another site) but to be honest I dont quite understand why?
TSB is the only one before 1995

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lombard cc
started 1999
ballance £2800
Defaulted 2008
prorata payments to date

12/04 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signiture
no sig req letter sent
02/06 letter rec,containing original req and payment, no sig req letter, and a covering letter/template,cannot comply without signing request

what happens now, do I send it back with a squiggle as a signiture or send one of the other templates

[swanfan]

Re: Nightwatch & Hubbys Diary of debt

You could try this one--> Our Templates | Unenforceability Templates | Signature Request - Formal Response

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
ballance £4700
defaulted 2003
prorata payments up ro date OC

12/04 CCA sent
03/05 letter received, dated 21/04, unable to deal with request as it is not signed. returned with 'no sig required' temp
19/05 letter from D Munn,(7/5) 'HE' is disapointed to note that I have failed to comply with 'OUR' agreement,unles 'HE' receives an immediate payment as arranged 'HE' will have no alternative but to place my account in the hands of an external DCA
7/6, letter from tesco, Legal and Estates,"futher to my recent request, we enclose copy information held by Tesco Bank provided under the terms of the above act"
they have sent me the information as quoted under DPA 1998 ??
will email what I got to Niddy

no T&C of any sort sent with this

sent to Niddy & pm to let him know i've sent it

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

no T&C of any sort sent with this

re the tesco post

have tesco done somthing wrong in sending me the application under DPA 1998, as I didd'nt sign anything to ask for it, I sent a signiture not required temp, after they had returned my CCA request for non signiture ?

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc

no T&C of any sort sent with this

sent to Niddy & pm to let him know i've sent it

It's

No PT's attached or anything! What a mess.....

Regards them sending it, it doesn't matter what their cover letter says, it's still the s.78 you requested



I would send this back ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Thanks Niddy
I thought it would be that template, just wanted to be sure before i sent anything.

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

Nice to see you're on top of things - all these 70's accounts - beware, remember if before 1995 then things change a wee bit

Garlok tried explaining this to me (on another site) but to be honest I dont quite understand why?
TSB is the only one before 1995

Just to clear this up, do you mean 1985?

As far as I know, there was nothing in '95 which changed anything.

SH

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tsb trustcard/lloyds cc
still with OC
start date 1978
taken over by Lloyds 1982
ballance £5662.27
defaulted 2002
have just stopped payment as niddy says
26/04 letter from Ltsb "your repayments are in arrears and a payment of £12.00 is required" to avoid further action all payments should be made on the due date agreed.

29/05 Letter from Credit Security Ltd, re Lloyds Tsb, they have been instructed by our client to recover the outstanding debt

to clarify this account, we sent for a CCA,2010, we had back just T&C nothing to link it to the account, and a letter stating that as the account was so old they did'nt have to send a copy of the agreement, but we would have signed one and they will look.
sent a letter under CPUTR asking if they had an agreement or not, replied that we would have signed one and will send it when found, Final responce
SAR sent in the middle is a couple of emails sent to recoberys and back
1, out: client asks for agreement
2,rep: cannot be found, not req from central storage and recoverys as account before the system was started

11/06 letter from Credit security ltd(8/6), they cannot trace receipt of our reply to their recent letter thats coz i diddn't send one
they DEMAND that the sum stated be sent direct to their office IMMEDIATELY using the pay slip attached
failure to do so 'could' result in a DEBT COLLECTOR calling upon us, or the account being refered for legal action
they have still not stated if they have been assigned or sold this account

ok do I still file and wait ??

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

ok do I still file and wait ??

I Would see what thet do next ...if it was me

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

I Would see what thet do next ...if it was me

thanks I2D

surely LLoyds would have taken us to court by now if they thought they had a chance, with this ? if we're not paying them what chance do they think a DCA will have!!

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

and will send it when found

What could they take you to court on?

If Haemorrlloyds thought they had a chance with this they would have passed it to SCaM and not a DCA. The only danger here is if the agreement did turn up, and I see you've only just stopped paying so you've got six years to sweat it out (unless your semi-demolished is in Scotland). I've seen some tragic cases on here recently where people got stiffed by these pre-1985 jobs. I really hope in this case that the agreement has been destroyed.

Crudit Insecurity, by the way, are a bunch of drips and not worth worrying about. They are one of the few, however, who do have “field agents”, and who do sometimes carry out their visitation threats. You may need to disinfect your doorstep at some point in the future.

SH

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Just to clear this up, do you mean 1985?

As far as I know, there was nothing in '95 which changed anything.

SH

19 May 1985 - sorry! My bad

see this ---> allaboutFORUMS - View Single Post - What's the worst thing that can happen! UE diary