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firstship

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firstship last won the day on June 16 2019

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  1. DX thanks ,I will just wait, and not reply until or if a Letter of Claim surfaces Cheers FS
  2. OK thanks. if they have sent a letter saying the debt is unenforceable, why might they send a letter of claim fs
  3. started to get from my creditors( DCAs) You are late with your payments.Stopped paying all creditors, sent CCA to all, not one has produced a copy of the original agreement. I guess IGNORE , or do I just send them stop pestering me until you produce a Signed agreement. ,or just put up with nuisance mail FS
  4. I am no longer paying PRA (Exporto,Varde, MBNA) They have sent a copy of the T&Cs, the card was pre 2007,but surely just sending T&Cs is not sufficient, or is it?? Thank you FS
  5. Have stopped paying Link ,their reply "although the account is unenforceable I should continue to pay as the debt is outstanding" Have not bothered to reply DX thanks FS
  6. Dx something I should have carried out a number of years ago, and carried through, my own fault. I have now CCAd again the 5 companies involved and stopped all payments, to date 2 have written and confirmed the account is unenforceable. 2 have referred back to Arrow and awaiting reply which is way over the 12 working days, Same with Natwest Thanks for your help regards FS
  7. Has anybody managed to have payments refunded where for example a credit card company cannot produce a signed agreement but you have been paying the debt back by a small amount each month for a considerable time??? Logic probably. wrong, any thoughts FS
  8. So sent out 5 CCA requests, Cabot have already stated unenforceable. PRA have also stated unenforceable even though they managed to come up with signed application form Link not bothered to reply Moorcroft 2 CCAs replied have sent a request to the OC,I am sure Moorcroft own the debts. So I am not paying any of these well exceeded 12 working days Only problem is Natwest Bank Account obviously no CCA, should I just stop paying them and see the reaction, can always use current cost of living increases FS
  9. excuse my ignorance but if a card is pre 2007 why is it not applicable Thank you FS
  10. Yes it is MBNA ..Exporto... sent CCA as you suggested because I have been paying through Stepchange who I will scrap when I have had the various replies .PRA return your £1 send letter they will look into my request and will not pursue until they have the required document, However they enclose an information leaflet stating if they cannot produce the original signed document they will supply a reconstituted copy. The fact this has been MBNA and then Exporto and now PRA doubt they can produce the original Question how do I deal with a reconstituted copy agreement??? Thank you DX FS
  11. Had a letter from PRA and they state if they cannot supply the original CCA agreement they will send a reconstituted agreement is this still legal Thanks FS
  12. posted in wrong title..........sent CCAs as suggested DX first reply is from CABOT who clearly state they cannot at present produce the signed contract hence in their words "Unenforceable" but they suggest I continue to pay, the answer is surely NO. is this correct FS
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