Hi yes I think they are angling for it to be restarted! That will not be happening!
LINK financial sent me a reconstituted CCA from Barclaycard
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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"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 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
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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
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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
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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.
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Originally posted by Marty2.8 View PostMorning, 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.
- 1 thank
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Hi, so my dispute with Wescot acting for Santander continues. I wrote asking for a legible copy and have had this reply.
2 letters one from Wescot the other from Santander Complaints team.
Wescot say:
We refer to your recent communication querying the balance owed
Having contacted our client they have enclosed the copy of the Final Responce Letter
(the rest of their letter says account is on hold till 23/2/22 and then collection activity will resume.
Santander say:
Thank you for contacting wescot and telling them your concerns, as this relates to a Santander account they have forwarded details of your complaint to us to review, I am sorry you felt unhappy
Im sorry you felt you needed to contact us about the outstanding balance on your Everyday credit card. You believe the debt is unenforceable until a legible agreement can be located and supplied.
While I appreciate the problem this situation has caused you, my investigations have shown that this wasnt due to a mistake on our part. This is because having liaised with our Collections and Recoveries dept, it has been confirmed you are liable for the account and we will continue our process to collect as normal.
To explain this further , the Everyday credit card was opened on 6 April 2011 and by completing the application, you have agreed to the terms and conditions of the account. As a customer you have a duty to comply with the terms and conditions of the account including the payment of any outstanding sums and accrued interest.You are obliged to fulfill these conditions
Hopefully you agree to the outcome but if not you have the right to refer your complaint to the Financial Ombudsman free of charge but you must do within 6 months of the date of this letter.
If you dont refer your complaint in time the Ombudsmen wont have our permission to consider your complaint and will only be able to do so in very limited circumstances
(the rest is just blurb about how to contact them if you have anything to ask)
So what do I do now? I have not had another copy apart from the original illegible one.
I await your advice everyone...
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Even if the debt is 'unenforceable' through the courts, Santander and their collections agents can still continue to try to collect the monies they state you owe. Santander has stated exactly that in their letter.
Your position is that they need to provide a legible copy. Until they do you aren't required to 'play ball', make payments, arrange a plan etc.
What you've asked from them is a 'legible' copy, fairly straight forward request.
Celestine
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