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LINK financial sent me a reconstituted CCA from Barclaycard

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  • #46
    Hi yes I think they are angling for it to be restarted! That will not be happening!

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    • #47
      Originally posted by Marty2.8 View Post
      Hi yes I think they are angling for it to be restarted! That will not be happening!
      Cool.

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      • #48
        Thanks again for everyone's help

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        • #49
          Originally posted by Marty2.8 View Post

          Hi Wescot have written back saying " We refer to your recent communication regarding the above account, please review the Statements that I have enclosed for you as requested. Santander have advised the previously issued Agreement is the only copy that they are available to provide to you. I can confirm that the payment arrangement is still in place on this account"
          So what do I write back now? The original is illegible.
          Thanks again everyone
          I would write back thanking them for confirming that the 'document supplied on xx/xx/xx is the only document Santander is able to supply under your CCA request. Given that this document is illegible, this document does not comply with s.77-79 CCA and renders the account unenforceable until a legible agreement can be located and supplied. Is this the account with 3k outstanding? How much have you paid of the debt? Bearing in mind they would only get about 10% if they sold the account to a debt purchase company, it may be an opportunity to settle this account or cease payments if they continue to be unable to provide the agreement. It's a slightly unusual situation because most defaulted accounts get sold on by now.
          "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

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          If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

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          • #50
            Celestine, thats great advice thank you, I will write that letter now. Yes this account is around 3K I have only been paying around 2 a month to them
            Should I offer a settlement in the same letter? Or wait for a response?

            Comment


            • #51
              Await a response first, do not mention settlement just yet but perhaps mention that you are considering ceasing payments given the circumstances. You await their suggestions as to how to resolve this dispute etc...
              "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

              I am proud to have co-founded LegalBeagles in 2007

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

              If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

              Comment


              • #52
                Okay, I have already ceased payments, I stopped paying after my original CCA request and have never started them!
                I will tweak your suggestion slightly and put in that I do no intend paying them.
                Thanks yet again!

                Comment


                • #53
                  That's absolutely fine, perhaps reference this and comment that payments will not recommence until compliance with CCA.
                  "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                  I am proud to have co-founded LegalBeagles in 2007

                  If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

                  If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

                  Comment


                  • #54
                    Morning, I have had a slight disaster. I have had a bag stolen from my car containing 2 of the letters confirming that the accounts were unenforceable. What can I do? Write back and request copy letters and say why?
                    And to update you all I am still waiting on Wescot reply about the illegible CCA they sent me. I will keep you all informed.
                    I am also negotiating with Arvarto over the balance I have from Barclays Bank, I didnt ask for a CCA on that with it being a current account.

                    Comment


                    • #55
                      Originally posted by Marty2.8 View Post
                      Morning, I have had a slight disaster. I have had a bag stolen from my car containing 2 of the letters confirming that the accounts were unenforceable. What can I do? Write back and request copy letters and say why?
                      And to update you all I am still waiting on Wescot reply about the illegible CCA they sent me. I will keep you all informed.
                      I am also negotiating with Arvarto over the balance I have from Barclays Bank, I didnt ask for a CCA on that with it being a current account.
                      Just send them another SAR, they will have copies of the 'unenforceable' letters.

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                      • #56
                        Hi, I have only sent them CCA requests, whats the procedure for a SAR please?

                        Comment


                        • #57
                          Originally posted by Marty2.8 View Post
                          Hi, I have only sent them CCA requests, whats the procedure for a SAR please?
                          Make sure you get Proof of Postage -

                          https://legalbeagles.info/library/gu...ccess-request/

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