Very catalogue debt

[labman]

Re: Very

Can anyone with younger eyesight see this properly? I can see very little sadly.

[Kazwitch]

Re: Very

I think if you click on it, you can zoom in on it.
Thanks for posting them for me Amethyst
Xxx

[labman]

Re: Very

Yes, I've done that and zoomed in a bit more using Ctrl and + but it pixellates and you lose the words. It's my eyesight!

[Amethyst]

Re: Very

If you click on the attachment to open it, you can click on it again to zoom in, the letter comes up this size....the T&C's, of course are a bit dinkier. I can read them okay with a couple of ctrl +'s but they are a bit blurry.

[Kazwitch]

Re: Very

[Kazwitch]

Re: Very

Hello Labman.
Got the above letter in reply to the one you gave me to send.
:witchy:

[Kazwitch]

Re: Very

Has Anyone got any ideas what I should write back and say to very? Could really do with some input as I'm not sure where to go from here x

[labman]

Re: Very

If I could read it, I might be able to help, but I can't. Have they complied fully with your request? I'll rely on you as I can't see it! :beagle:

[Amethyst]

Re: Very

There is no APR stated on the copy T&C's - they are a standard form and there's no date, signature etc.

The next letter is stuff about how even though their agreement is shocking, it's not the original, an basically, is completely unenforceable, they should, because Kazwitch, kept buying stuff and paying for stuff, be able to enforce it.

I think once they are told of that they should remove the interest elements and accept your monthly payment of £50 a month until the debt is cleared, if that is what you wanted to do. If they try to enforce through the court I am no sure they would get far on the paperwork they have sent you. I'm no expert by any means on CCA and I've asked someone to take a proper look at it from an enforceable CCA perspective to give you the options so hang fire for now.

[charitynjw]

Re: Very

The first attachement, post #15 shows a late payment fee of £12.

Didn't this come in circa 2007? (OFT guidance)

[labman]

Re: Very

I'm off to Specsavers!

[Kazwitch]

Re: Very

Thing is my husband was still working and we had an Income when I ordered the things. He's since lost his job.

[Kazwitch]

Re: Very

I was thinking of writing:

"Although you sent me a copy of my current C.A,
This was not what I asked for. I sent £1 and asked for a true copy of my Original signed agreement, which you've failed to supply within the 12 days of the rquest. Until this has been produced, the account remains unenforceable. I offered to make payments of £50.00 per month which I've continued to pay, and you insist it is not enough. With all due respect, regardless of whether £50.00 is less than you can accept or not, it is all I can comfortably afford and I shall continue paying £50.00.
As you are aware, you are classed as a low priority debt and I do have other priority debts that I'm also paying off and they have accepted my offers of repayment."

Has anyone got any good information that I can add to this?
Thanks
X:witchy:

[Amethyst]

Re: Very

In the letter they did say it was the current T&C's for the account. It's def not the original, or a replica of the original, cca from account inception.

[Amethyst]

Re: Very

I think that is a good idea, and yes the content of the letter is fine. I don't think you need to go into any legal gumpf at this stage, just letting them know you won't be fobbed off with this cca copy, and you understand the enforceability issues. I might be tempted to add a request to stop charging interest and adding any charges enabling you to reduce the balance on the account, and that you look forwards to receiving the correct CCA from account inception soon. You might want to quote the OFT 664 Guidance for Debt Collection too -

exercise forbearance and consideration – in particular towards debtors experiencing difficulty - we would expect businesses to work with debtors with a view to providing them with reasonable time and opportunity to repay debts

I was thinking of writing:

"Although you sent me a copy of my current C.A,
This was not what I asked for. I sent £1 and asked for a true copy of my Original signed agreement, which you've failed to supply within the 12 days of the rquest. Until this has been produced, the account remains unenforceable. I offered to make payments of £50.00 per month which I've continued to pay, and you insist it is not enough. With all due respect, regardless of whether £50.00 is less than you can accept or not, it is all I can comfortably afford and I shall continue paying £50.00.
As you are aware, you are classed as a low priority debt and I do have other priority debts that I'm also paying off and they have accepted my offers of repayment."

Has anyone got any good information that I can add to this?
Thanks
X:witchy: