Arrow

[winner12]

Hi all doing a seperate thread (so the ganes begin)
I have a debt with Arrow paid on a DMP with Wescott until they wrote and said they were not collecting anymore
Debt passed to SHoosmiths for collection sent off CCA request got back copy of original application form (looks like a leaflet) and pages a nd pages of TCs
My question is do I negotiate a new repayment plan as I was paying them back so if it went to court if I dont pay would I not stand a chance because of this I have no idea what to do
Thanks

[winner12]

Re: Arrow

Just Bumping:bump2:

[mystery1]

Re: Arrow

Post up what they sent you without personal details.

M1

[winner12]

Re: Arrow

HI mystery1
The T&C s attached supposedly to the application are not legible even through a magnifying glass so wont scan

[winner12]

Re: Arrow

I have been reading through some other threads should I just write and say its barely legible and I cant make a judgement as to if its original or not
from what I guess an application and T&Cs only fills the s78 request but does not mean they can take me to court just wanted to know if I have been paying though is that acceptance of the debt and would I stand any chance if it went to court

[mystery1]

Re: Arrow

If it's not easily legible then it does not fulfil s78.

http://www.legalbeagles.info/forums/...430#post389430

M1

[winner12]

Re: Arrow

Thanks mystery1
So shall I write to shoosmiths are they in default of my s78 request as its ilegible would that be the correct wording

[mystery1]

Re: Arrow

Yes.

M1

[winner12]

Re: Arrow

Would something along these lines be ok



Dear XXX
Thank you for your letter dated XXXX with reference to my CCA request may I remind you thats78 request must be a legible copy and the original document all youhave sent is a application form and terms which are both illegibleand I cannot apertain myself if these are the originals and I wish toput this account into dispute until a legible and original copy canbe supplied


Yours Faithfully

[mystery1]

Re: Arrow

Would something along these lines be ok



Dear XXX
Thank you for your letter dated XXXX with reference to my CCA request may I remind you thats78 request must be a legible copy and the original document all youhave sent is a application form and terms which are both illegibleand I cannot apertain myself if these are the originals and I wish toput this account into dispute until a legible and original copy canbe supplied


Yours Faithfully

Thank you for your letter dated XXXX with reference to my CCA request may I remind you that a s78 request must be an easily legible copy all you have sent is a application form and terms which are both illegible. The account is therefore unenforceable.



The original does not need to be sent.

M1