dns tns guys love the abbs but im new to this stuff default notice i guess s dn tn? lost ill get there cheers its gonna be a fun 5 years by the looks of things

ok gh s letter sent registered thanks guys any notes i should be taking? im subbing a lot of threads at the moment , wish i could be of help to some of the people on here but with great knowledge and all that blah what next

omg its a deep rabbit hole blue pill or red pill it seems

right guys iv got the kind of idea here of what i am dealing with - the automated letters have been rollingb through the leterbox for quite some time now but what with the amount of people out there with the same problems im just one of millions so ill send gh s letter today see what we get next shall i send registered again? when you say years how many ? cool thanks again

so now i have two letters im not sure which is the one to send

whats wrong here im confused my jargon gh

ok confused a bit m so i dont send the letter

thats going in the post registered post today see what we get next

thanks m iv read it over and if i may ask in laymans terms the arguement lies in the facts that if the supposed creditor does not adhere to " I refer to your letter dated (date) in which you confirm that you are unable to comply with my formal request pursuant to s.78(1) of the Consumer Credit Act 1974. Furthermore, you confirm that you will continue to make unlawful demands for payment contrary to s.78(6) of the CCA 1974 and the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I would remind you of your obligations - If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties." then he des not "own" the debt ? ??? thanks again for that m

cheers m i await that response thanks

yes iv received a letter from mbna also stating that my personal info has been compromised asking me to call them but i have no credit or for that matter any money

no i havent - the claims company have it and will proceed to court once the case has been receieved by the solicitors however i am a little wary of these companies but have 3 cases going through with them mbna - cca no agreement egg - cca no agreement barclaycard - cca no agreement hence my confusion when carter sent his letter as im sure there will be no grounds for them to proceed i could cca them myself and post the response up here ?

ok so in laymans terms what happened gh with regard to that case what is the next move here will he write again to me i have cca d egg through a claims company before and they could not provide one this case may go to court waiting on the solicitor

so will he now go to northampton covered in carey? what does he mean by this letter of course he should have passed it on a he is the one that will rely on this in court surely cheers guys / gals ding ding round 1

morning guys n gals so an update - carter sent me a letter back dear sir we thank you for your letter dated 23rd january 2010 requesting documentaion we return herewith your payment of £1.00 as you need to request this direct from our client but in the meantime you must continue payments as agreed the address is as follows egg bankin plc et etc etc your s faithfully bryan carter and co the thing is i havent made a payment to egg for 14 months now

iv got a thread rning for that yes m ill keep that on eupdated once get some legal aid sar ? 6 years and a debt cannot be enforced? i coming up to 16 months so far and iv only received my first letter from carter keep you guys posted and thanks for being around

can i ask one question here regading this case di he win or not sorry to butt in but i have a case exactly the same being dealt with by solicitors

regarding cca s i will wait until they make their movesa s i have an invoice financing court action with hsbc which is proving problematic and need to get my legal aid if he does not respond within the alloted time which letter should i send next i am keeping everything filed away under each credit card , it is weird because i had a load of correspondence at first but now its really quietened down lets sleeping dogs n all that - so for now ill keep you guys updated on carter issues thansk guys really appreciate the help

roget that m will have alook at anything i have from egg - regarding carter i sent the cca last week i believe it was tuesday pm - what is the next step with himself and the cca , does he ahve a time limit to respond? im dealing with debtors as they arrive iv not sent any more cca s as nothing has landed on the mat yet wise or no cheers

is this issue to with carter or rent arears sorry got a bit confused what form will this be found upon cheers m beena abusy week for carter and shoosmiths and me hi subber what does this mean subbing?

back with community legal aid again have emaled them explaing to them that the s called legal aid company of solicitors wil not help me unless i am having mental health issues? will keep everybody posted cool

cheers cat ill give it a go but i think iv already travelled this route will keep this posted cheers

I Agree Totally I Am Behind On Payments But This Could Be Addressed Im Sure My Concern Is When My Deal Is Up Next Year Will They Offer Me A New Mortgage As I Have Got Behind On Payments

ok so far so good iv loaded that thread and will wait to se what happens next thanks m spending a lot of time on here but all good really good maybe ill get some sleep tonight

i used hsbc for invoice financing in september 2008 to cover the recession period- they offered me ip of 50 % on 10000 per week its a very tricky and difficult problem to discuss nevertheless they entered into the agreement and then started to give me 20% which in essence is why my company went bust - worse cashflow than if i had left them alone i gave them a ledger of 60000 they gave me around 40000 of this and i left it at that they now have come back asking for 12000 that they say i owe them for debt they never collected its true i never even saw the other 20000 heeeeeeeeeelp