Seeking Advice Regarding Unenforceable Debts and next steps

[enforceme]

Brilliant, thank you. I will update if/when they file a claim. Regarding the missing default notice and letter of assignment, what is the legislation that defence would fall under? I just want to be prepared.
Also should I get in touch with the solicitor to state that I think the debt is irremediably unenforceable? I feel like silence is probably not going to do me any favours with any judges right?

[echat11]

Brilliant, thank you. I will update if/when they file a claim. Regarding the missing default notice and letter of assignment, what is the legislation that defence would fall under? I just want to be prepared.
Also should I get in touch with the solicitor to state that I think the debt is irremediably unenforceable? I feel like silence is probably not going to do me any favours with any judges right?

Default Notices - Rules are in CCA 1974 (Sections 87) and the Consumer Credit
(Enforcement, Default and Termination Notices) Regulations 1983, updated by 2020
change.

Letter of Assignment - Law of Property Act, Section 136.

You can write to them, keep it short and to the point, it will no doubt make them make
a decision, but also sets out your position. Make sure you get Proof of Postage.

[enforceme]

Hi Echat11,
Thanks for all of your help so far.

The in-house solicitors have mailed me again, they have not acknowledged my previous correspondence.

They have shared a copy of the CCA, the NoA (which was sent by their own DCA) and a copy of terms and conditions.

The documents are still incorrect.

They have also requested payment immediately, which I assume is essentially a new LBA?

I am thinking a response acknowledging their correspondence, whilst asking them to review the previous correspondence I sent, as the issues I highlighted in that letter are unchanged, the CCA remains incorrect and as such I reject this debt.

Does this seem reasonable?

Also I made a mistake, there was no LoA, there never was, the DCA issued a NoA with their original letter.

Thanks

Edit: also worth noting is the NoA assignment date differs from the date from the original creditor SAR logs.

[echat11]

Hi Echat11,
Thanks for all of your help so far.

The in-house solicitors have mailed me again, they have not acknowledged my previous correspondence.

They have shared a copy of the CCA, the NoA (which was sent by their own DCA) and a copy of terms and conditions.

The documents are still incorrect.

They have also requested payment immediately, which I assume is essentially a new LBA?

I am thinking a response acknowledging their correspondence, whilst asking them to review the previous correspondence I sent, as the issues I highlighted in that letter are unchanged, the CCA remains incorrect and as such I reject this debt.

Does this seem reasonable?

Also I made a mistake, there was no LoA, there never was, the DCA issued a NoA with their original letter.

Thanks

Edit: also worth noting is the NoA assignment date differs from the date from the original creditor SAR logs.

Keep the letter brief, thank them for their letter. Ask them to kindly respond to your previous communication.
Enclose a copy of your previous commincation.

[enforceme]

Got it, thanks.

[enforceme]

Is it worth requesting the Deed of Assignment as well?

[echat11]

Is it worth requesting the Deed of Assignment as well?

No, if you've got the Notice of Assignment, then that's all they will provide.