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A & L - Enforcable Agreement???


Multay
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Hi....

 

Well, nothing more from A&L apart from a aletter sent second class that Warns me they will send someone to the house...Good luck with that..;0)

 

On a more positive note - I have a second interview for a job on Friday and it looks like a formality, just a meeting with 3 of the directors so it's looking good!!!

May have a second one for a different job too!! Only sad part is that I will be moving again but you can't have everything...Things might be on the up....

 

 

Multay, tell them to bring their own teabag and biscuits:p

 

Keep us posted with news re the interview. :)

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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On a more positive note - I have a second interview for a job on Friday and it looks like a formality, just a meeting with 3 of the directors so it's looking good!!!

May have a second one for a different job too!! Only sad part is that I will be moving again but you can't have everything...Things might be on the up....

 

Good luck with that, the breaks will come if you keep focused.

 

David

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Hi Multay.

 

I like my notice i have for unwanted visitors.

 

trespasses will be shot.

What they dont know is its with a water gun and water balloons.

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Haha - That's a good one GM...

 

I'm gonna do it the easy way...If they send someone I'm just going to cry and scream hysterically in the street and beg them not to send me to prison...I'm a relatively big bloke so it should look pretty good...;0)

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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OMG that has to be video and u tubed.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I like both ideas :-D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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hahahah

that would even get you 250.00 or whatever the amount is nowadays from you've been framed prog, or what ever its called now...lol

 

i do like yours too GM,,,hme,,,,, or even " The Computer says No" sign,,,

 

im off to bed its late

 

but fingers crossed for a good result multay

 

ciaoooooooooooooo all MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Cheers Maz - You should go to bed earlier you know...Hubby will be geting lonely!!!!!

 

Laters...M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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  • 3 weeks later...

Hi guys,

 

Well, I have a bit of an update...I got a new job and start a week on Monday!!! I can't belive it, I've not even finished my notice period yet on the one that made me redundant...

The job is a good one too, in charge of a dpartment of 55 people, money almost the same as I already earn...So it's all good...;0)

Only draw back is that I have to move again (this time to Cumbria) but I guess you can't have it all....

 

Now to A&L - Got more letters from them saying we will sell to a DCA, default it etc.

Any suggestions what to send them back? I have sent them letters going into detail about why the stuff they sent me isn't any good (Missing pages, no prescribed terms, current T&C's and completely illegible)but they ignored all of that.

I was just going to send them the same letter again but I wondered if anyone had anything a bit more hard hitting...

 

Cheers guys....

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Hi Multay,

 

That is excellent news re the new employment. Shame you have to uproot yourself again though. You can still visit CAG though:D

 

Hmmm, if they are ignoring your "in depth" letters, then I guess just a short and sweet note advising

 

Dear Sir/Madam

 

ACCOUNT IS IN DISPUTE

 

In response to your recent letter, I would refer you to mine of XX XXXX 2008 .(If you have written more than one letter to them, put those dates in as well):D

 

Yours faithfully,

 

YOu might also be interested in sending a letter to the OFT.

 

In the link below, bankfodder has drafted a letter for the OFT. Just amend it to include your details, include a copy of the defective agreement/application form and one or two copies of the letters that DCAs and A&L have sent after you informed them the document was not compliant. :grin: You could also include the fact that you have made an official complaint to the OFT in your letter above. :D

 

http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/147830-complaint-oft-respect-invalid.html

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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multy.

 

Congrats on the new job.

 

Are work going to help u with accomadation for the new job?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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multy.

 

Congrats on the new job.

 

Are work going to help u with accomadation for the new job?

 

Thanks for the kind words guys...Yeah they will if I need it (up to £8000!!)

 

But to be fair, I don't really incurr any costs - I still have a petrol card for the redundant job so I don't have to pay for fuel (all above board as I am still contracted to them until 20th.November and it covers personal milage) and can fit all my stuff into the car...I don't have much left as my ex took it all...;0)

 

I'm just so relieved - I was really, really worried - I thought I was going to be facing bankrupcy. As it stands, I can look forward and will be debt free in 12 months I think...

 

I've found a really nice place that I will sharing in a nice little town...So I will be moving up there on Saturaday morning and starting work on Monday.

 

Going to be weird after being off work for six weeks - I have enjoyed the break though, I have to admit...Got a lot of practice in on my guitar...;0)

 

Speak to you soon...;0)

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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oh Multay well done on the new job and looks like new horizons

 

fab news to read on here,

 

looks like your rainbow has arrived, there is always hope for the rest of us

 

keep happy and take care ciao MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Multay,

 

That is excellent news re the new employment. Shame you have to uproot yourself again though. You can still visit CAG though:D

 

Can you? Have they got electricity in Cumbria now??

 

And I was going to say I hope your guitar's an acoustic.....

 

Seriously, if you've had a few problems a change can be as good as a rest, and if you like fresh air and breathtaking scenery you'll find Cumbria a great place for recharging the old batteries.

 

Best of luck, mate, and let us know how you get on.

 

SH

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Nice one steven:lol::lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Haha...Good one...I'm looking forward to it...Should be fun..And I just had a postcard to say that an annoymous person is coming round to see me on Monday from MBNA (A&L I suppose)...Awww, what a shame I won't be in...;0(

 

I'll be writing a nice letter to them tomorrow, so I'll post it up before I send it for opinions...

 

Catch you crazy kids later....M..x

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Haha...Good one...I'm looking forward to it...Should be fun..And I just had a postcard to say that an annoymous person is coming round to see me on Monday from MBNA (A&L I suppose)...Awww, what a shame I won't be in...;0(

 

I'll be writing a nice letter to them tomorrow, so I'll post it up before I send it for opinions...

 

Catch you crazy kids later....M..x

 

 

Ah, perhaps they are going to help you pack, Multay !:cool:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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but i would have thought all the packing would have been done buy then.

 

Especially as he starts work on Monday.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 months later...

Hey everyone,

 

How's things???

 

Well, I'm in the job...Not bad but not easy...The really don't like change...lol

 

The new house is lovely and my housemate is brill...;0)

 

A&L, however, are another matter...

 

After a few more letters and them offering to a partial settlement - Dropping from 5 grand to 2 grand...Impressive...Then I thought, no chance matey...So I told them to b8gger off...;0)

 

They then sold it to Equidebt - Whom I informed of the dispute and the details of it, guess what? No response...

 

Then I get a letter from Collect Direct(UK) from my hometown in Leeds...Who sent me the usual threatening letter...I replied telling them all about the dispute..Illegible...Missing pages...No prescibed terms etc..

So then I get this one...

 

"For the avoidence of any further misunderstanding on your part relating to the enforceability of this contract,we strongly reccommend you seek legal advice if you intend to rely on the alledged non-production of documentation pertaining to your liability to our client as your current understanding of the consumer credit act is inaccurate.

 

You have had the benefits of our clients credit facility since you opened the account. The fact that you have used our clients facilities and made payments is evidence of your acceptance of the contract you entered into with our client.

We request you do not continue with your attempts to evade payment of this seriously overdue debt and address this now with the priority it derserves."

 

Now I have never had a debt with their client - I have never entered into anything with Equidebt!!!

They bought the alledged account from A&L....

What do you think? CCA them? Not sure witrh this but I do know that they should get legal advice since their understanding of the CCA is incorrect...;0)

 

Any advice would be greatly recieved as ever...

 

Byeeee....Mx

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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That's an easy one. A short reply saying it is THEIR understanding of the CCA 1974 that is wrong, that you do not acknowledge any debt to them or any client on whose behalf they purport to act and that the inabilty to produce a true copy of a properly executed agreement in relation to an alleged debt is a complete defence in law. Add that this will be your only correspondence to them and that if there is anything about your letter they do not understand, they should consupt a competent lawyer. Chancers!

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hiya multay

 

glad things on the job and house have worked out good for you

 

but like pinky says the a and l well that is easily also addressed with the letter given by pinky

 

i would also add at the top

 

TAKE NOTE (in big bold letters as big as possible)

LOL

 

laters have a good eve

 

angel x

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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