this is what i was referring to There is a clear requirement for your client to produce the correct document that is not signed by myself but that also contains the prescribed terms per section 61(a) and section 127(3) of the Act; and I am sure you are aware that when an agreement fails to include the prescribed terms as per section 61(a) of the Act and is signed by the Debtor, then the agreement will be irredeemably unenforceable. In this regard, I refer you to the decision in Wilson v Hurstanger (2007) EWCA Civ 299: some one on a thread wrote a great letter including this i cannot find it

hi i read a thread a few days ago there was a great letter quoting the above case and other stuff to send to credit card companies who insist that the agreement is enforceable. i have looked for ages today and cannot find it if anyone knows where it is could they please let me know

Anyone got a good letter with some case law to quote or can i issue court proceedings to get matter finalised

they have not harrassed me yet or threatened me

received letter today we have complied etc with sections78 we do not consider ac to be indispute etc i asked for a clearer copy of app form and for a copy of back of app form nothing sent. i also pointed out that the stuff they sent was not enforceable they say they will not entered into any further correspondence regarding alleged CCa breaches i would like to send out a strong letter saying why the a application form is not enforceable any ideas

she writes regarding most tescco mint and rbs cca requests she puts her tel no on the letters

hi has anyone ever tried ringing the above she does give her number, wondering whether to ring to tell her to pull her finger out and work a bit harder

next payment not due until mid june have not got any defaults yet but finance are dire since crunch trying damage limitation so need to know something before mid june

hi sent a letter asking for clearer documents and asking for info regarding the back of application this was sent 7th april no reply sent a letter 7th may stating that since they had not replied assumed they did not have an enforceable agreement so offered a full and final settlement gave them to last friday to reply no received one

hi look at my thread my card is from early 2001 also

my daughter has been asking for her wages slips for weeks now and they are not forthcoming. She needs them to claim maternity allowance Is there a template letter available for her to send

you need to post up the 'agreements' so they can be checked to see if they are enforcable

hi could someone please explain this in laymans terms to me please has anything changed will this help caggers etc

hi is this to be decided today

send a reminder and you will get back a 'sorry you have had to complain letter we will try to resolve it in 28 days blah blah' you should send an account in dispute letter

hi requested cca from lloyds after 20 days sent reminder lletter, received back a letter ' sorry re your complaint we aim to deal with this in 28 days blah blah. you can complain to FOS blah blah If i complain do they get fined or just told to get on with it

Debt escape court cases put on hold | This is Money link to article this is money

watching with interest

thanks

Would it be possible to PM someone in the know regarding checking out a letter i wish to send to TPF I do not wish to post as may identify me

at the template what is a ex-gratia payment thanks

hi i am looking for this too

I would like to send a reminder letter giving say 14 days to reply If i dont get a reply than i would like to make a full and final offer. so i want enough evidence to show that they had plenty of time to produce this.

Sent off cca request early April time is up and some Want to send a reminder letter The account was opened 20 years ago

Just to say been going through old paperwork and have come across card carriers. Not the first one ever, but the one posted up in an earlier post from a replacement card Its different mine is interspersed with info on card insurance etc, theirs seems to be missing this bit Do you think they were trying to hoodwink me into believing it was complient, surly if it has info regarding insurance then would this not make it unenforceable due to having stuff other than just prescribed terms? Obviously i know the card carrier makes no difference anyway, but it does make you wonder