CCa 1974 and credit cards

[jayjay11 1]

Bump

[citizenB 10,182]

Hi all its been a while but TSB wrote to say that their agents were unable to bully me to pay so they sent the account back for legal action. i wrote and pointed out that the account was terminated and enclosed my accknowlegement and the legal references from here i could find Today i got the attached reply think they have put themselves into a corner perhaps im wrong coments please http://i375.photobucket.com/albums/oo194/jayjay1105_2008/21-05-2010151344.jpg

 

 

So they issued a formal demand for the whole balance, without having issued a Default notice prior.. then they sought to cover it up by apologising then issuing a default notice ?

 

Erm, nope.... I dont think they will get away with that one

[MARTIN3030 5,286]

Can you say when this all started ?

Date ?

[jayjay11 1]

HI Martin 3030 It started just before my first post on here around sept 2008. when i first read through this site and realised i may not have a enforcable agreement and its all gone from there no payments have been made since then ......... hope that answers your question

Why the question???

Edited June 13, 2010 by jayjay11

[jayjay11 1]

I have just read that If a default is not valid or not issued the termination is not valid and they can rectify by issuing a default and termination that is!! If this is the case i have no defence if ltsb issue a claim

:?:

[jayjay11 1]

can anyone comment on this??

[jayjay11 1]

HI Again perhaps someone could advise .. Got a letter from Cabot today with a ref no but no information as to the amount of debt or the creditor, It could only be tsb as that is the only one im fighting , giving a date and time someone will call. I have writen back saying i have not made ant appointment with a finacial company and do not require any products from them so dont come because there will be no one here autherised or able to discuss my finances !! Bit of cheek from me but as they havent identified why they will visit how do i know . Now ive not recieved any paperwork from tsb telling me the debt has be sold or passed on Does this have to be done before cabot have "right of action "??? PLEASE COULD SOMEONE POINT ME IN THE RIGHT DIRECTION NOW I THINK COURT ACTION MIGHT BE CLOSE

[jayjay11 1]

Is there no one able to help?

[underdog13 562]

Hi jayjay,

 

the first you know when a debt has been sold or assigned is usually contact from the acquiring DCA. I believe the original creditor is supposed to inform you, but in practice they usually do not.

 

Best of luck with your case. If it has been purchased by a DCA, you should be able to settle for a much smaller sum than the original debt:-)

[jayjay11 1]

Thanks underdog I still have the termination with no dn and the issue of one later then a further termination , to go with but i have heard on here that maybe that is nt a good enough defence anymore by the way have have you got on with tsb????

[Peterbard 3,082]

Hi JJ

 

I havent been through the entire thread, but can i ask was the orrigna termination,definately a termination of the agreement and not just of the ability to draw further credit.

 

 

Peter

[jayjay11 1]

look at post 71 for a copy also post 98 i was advised at the time that this was termination Also post 106 shows the agreement they sent as part of SAR

Edited October 5, 2010 by jayjay11
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