Credit card debt

[SELMAR]

Re: Credit card debt

continued from post #60

[FlamingParrot]

Re: Credit card debt

You have a letter saying they can't find your agreement and they admit they can't enforce, sounds like a success! :grin: Keep that letter very safe!

Just out of interest, where did you get the application form? As they say they can't provide you with anything, where did that come from? Looks a lot like my RBS application form from 99.

[SpringerSpaniel]

Re: Credit card debt

Send a copy, preferably certified, to the court in support of your application for the claim against you to be struck out.

[SELMAR]

Re: Credit card debt

spinger spaniel,
this is a seperate situation to the one you helped me with. it was capital 1, which you helped me with, you helped me put the court defence and n244.
the capital 1 thread can be found at:http://www.legalbeagles.info/forums/...received/page4
this one is a mint credit card, which hasnt gone to court yet, they didnt comply with the cca as they cant find the relevant documentation.
is there anything i should be doing, taking into consideration they cant provide the relevant cca paperwork and stating its unenforcable?
kind regards,
selmar.

Send a copy, preferably certified, to the court in support of your application for the claim against you to be struck out.

[jon1965]

Re: Credit card debt

Make sure you keep hold of that letter where they say they can not enforce or find the paperwork. I would keep, scan, stick it virtually somewhere ( I use google and dropbox)

[FlamingParrot]

Re: Credit card debt

Just save the letter from now so you can send a copy to whoever contacts you in the future regarding this account.

[CleverClogs]

Re: Credit card debt

Good afternoon,
I am in need of some help and advice urgently please; ifanyone could help it would be greatly appreciated.
I have a credit card debt, which I can’t pay, so have sent the following 4 letters from the get out of debt free website, which are attached.

And all of which I have omitted, for brevity.

It's a cunning plan and might even work, if you were trying to stop their claim on the basis that you are now a hopeless, helpless, raving lunatic and that you probably were already round the twist when you signed the agreement.

As "proof of madness" goes, the drivel from that website might be a bit more convincing than putting one's underpants on one's head, sticking pencils up one's nose and going "Wibble!" - but only just!

REPLY FROM SHOOSMITHS TO FOLLOW

One might be astounded that their reply did not also contain a laundry bill. msl:

I'm delighted you've now got a more rational basis on which to contest their claim.

[jon1965]

Re: Credit card debt

BAD CLOGGY:grin::grin:

[CleverClogs]

Re: Credit card debt

As Flaming Parrot has said rather more politely, the letters in your first post are total and utter twaddle and will only serve to hinder any attempt to negotiate settlements for these debts.

I'm not entirely sure that's quite accurate.

That nonsense could result in the claimant's barrister and the judge becoming paralysed with laughter if it was read out in open court.

[CleverClogs]

Re: Credit card debt

Anyway , if when you send you money and your request they do not respond within 14 working days or they respond with an agreement that doesn't provide the required terms then the account could be unenforceable (UE) but only if taken out before April 2007 (the law changed after that)
What that means is that they can not get a CCJ (county court judgement) or make you bankrupt unless you do not defend,

Or try to defend it as a Free Man Not At Sea? :rofl:

[CleverClogs]

Re: Credit card debt

That's a bog standard response and since they wrote in December that they had asked the OC for the agreement, it looks like they can't get it. What a shame.

Indeed.

Might their apparent inability to scrape off where the office cat had crapped on the original agreement have anything to do with the Rapacious Bank of Sotland using Shoo$hits rather than Triton, their in-house threat monkeys?

[CleverClogs]

Re: Credit card debt

There are no penalties on the creditor for not replying in a timely manner other than they can not enforce it until they do

There used to be, though, until barmy Blair's turd-tongued and snivelling snollygosters changed the law to favour the banks.

[jon1965]

Re: Credit card debt

Cloggy have you been smoking someone's stash?

[CleverClogs]

Re: Credit card debt

Certainly not!

I just decided to lighten my response with a little alliteration.

[jon1965]

Re: Credit card debt

Please don't use big words, you know how it confuses me.