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About Leightonx1

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  1. Hello Everyone, Could use a little advice, I've been dealing with CL Finance for some time now, they ignored numerous requests for a copy of the CCA and just continued sending treats after leaving small gaps between my letters. I reported them to the FO because of this and today I received a letter saying they don't agree with my complaint and after over a year of requests and now liaising with the OC to get a copy of the CCA or a reconstructed copy. This reconstructed copy concerns me, I have a hunch the original doesn't exist and even if it did it probably wouldn't have the pre-des
  2. Hi, thank you all for your fast replies, It's in relation to a Halifax CC debt circa 2003. Last Acknowledged payment was 2006. What they sent me was an application form (even said so on the top), it has my signature but no pre-described terms at all, I'm still yet to see any document containing the pre-described baring my signature. The DCA seems to think that by proving statements and separate T&C (titled conditions of use) that that is sufficient enough to make what they have enforceable. Here's some of the rubbish they have written in the letter; 1) It is our underst
  3. Hello Everyone, Am I right in thinking that the prescribed terms have to be within the signed CCA to make it enforceable in a court? Providing separate (unsigned) terms and conditions would not be acceptable would it? Bit of back story... The DCA sent me an 'application form' with no prescribed terms but it was signed, they even accepted when I questioned it's enforceability that due to it having none of the pre-described terms within the signed document that they agreed it was unenforceable. Several months later they sent me the same 'application form' again this time with two
  4. Had a reply from the DCA today... Letter dated March 2010 in response to my last letter sent in early January (an amended version of the long winded letter within this thread). It's a very short letter and it basically says that they contacted Halifax who have said they had no record of a complaint from me in the past, my complaint is with the DCA and the fact they continue to try to claim for an unenforceable debt. The DCA has bought this debt, my complaint was in reference to the debt being unenforceable as the CCA they sent has NO pre-described terms whatsoever, and they have
  5. Well not had a reply to that last letter as yet, not sure whether they have given up for now or whether they will try to sell it on again, I suppose the best thing to do now would be to do nothing until they rear there ugly heads once more?
  6. With all due respect angry cat I tried sending short concise and to the point letters for over a year now and they haven't got me anywhere, they still continue to pursue an unenforceable debt. Beside they started with the long rambling letters, they are just getting back what they dish out! Also, as recommended I removed all the emotion from the letter and kept it purely 'business like'.
  7. Wow! lilly white thank you so much for all that, it certainly looks substantial. How would I go about formulating that into a letter, simply start as per usual, correct them on the falsified information and data, then in response cut and paste this?
  8. I've read allot about CapQuest and many threads on here in the past, I think it's the norm that Capquest Investments Ltd initially buys the debt and then uses the child company CapQuest Debt Recovery to chase payment. I wouldn't be surprised that if one were to pay that a few internal transfers are made to avoid paying tax on it!
  9. Yeah, there is no signature on either sets of the 'terms' they just printed my name on the top of both of them. It is possible that they may have sent these after the account was opened through the post, but I don't recall ever seeing them until CapQuest sent them. The only document to bare my signature is the 'application form'
  10. Hello Everyone, thank you very much for your kind responses. Hi lilly white, well that document they sent me as a CCA has my signature on it (or what used to be my signature). Hi PGH7447, The charges I refer to were added by Halifax over the course of the account since 2003, but the majority of charges were added after I stopped acknowledging the debt due to disputing the charges in 2006. PPI was added on for months after that as was interest. In some months after the account fell into default they added up to three charges a month which is why what they say I owe now is built up al
  11. Hi diddydicky, Thank you for your response; In terms of a DN I don't have a copy of one, though Halifax may well have sent one as far back as 2005/2006, the account first ran into trouble when I disputed charges, I believe they may have defaulted it then as I refused to pay (the charges they had added exceeded the amount owed). I have a letter from CapQuest notifying me that they had bought the account; I'll upload this for you now. Had many demands for full payment from CapQuest since April 2009 when they bought it. That is the CCA they gave me, it looked as though they had
  12. I've just recieved a letter from a DCA that specifically mentions the Manchester case. So far as I'm aware the debt remains unenforceable regardless, but this last letter has me baffled for a number of reasons, I would really appreciate some help in writing a response. All the latest letters to and from are uploaded on a new threat I've started, if anyone can help. Thank you http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/244481-letter-dca-post-manchester.html
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