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Are these CCA's enforceable


shirei12
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What is it Shirei CC Loan and what year did it start?

 

 

Regards

 

Andy

 

 

PS well done on the PPI:D

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Its states flexible loan in the box to the top left.Rather small to read the fine print from here.Was you issued a card have you retained any statements from it.You will need to expand on it to advise.As for the above posting it means nothing.

 

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Andy

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  • 4 weeks later...

I have now received a without prejudice letter with an offer to settle at a reduced rate. However still no sign of an agreement with a signature or any interest rates.

I am wondering if I should send them a FFS letter offering an amount I would be prepared to pay.

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Letter from who Shirei?

 

 

Regards

 

Andy

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IMHO I would let it ride to Litigation if they fancy their chances but if they are waving settlement offers at this stage then litigation looks highly improbable.Hold on your FFS Shire let it ride a little further.

 

Regards

 

Andy;)

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OK Andy.The offer is valid for 14 days after letter date (1st April) and only got it today :rolleyes:

Is there a thread on here about the new ruling on CCA enforcability? I have looked and cant find one.

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  • 1 month later...

DLRS have passed this to Weightmans sols. now.We had first letter at the end of April saying we should contact them as a matter of urgency,if we did not we may leave them with no option but to issue court proceedings.

We did not contact them within the seven days and 14 days later had another letter saying they are not aware of us previously raising any legitimate dispute in relation to the debt. They threaten issuing a CC proceedings or petioning for Bankruptcy.

Goes on to say their client would prefer to negotiate a settlement.....enclosed was Financial Declaration Form.

Should I respond with a copy of my CCA request (26th Oct 2009) and a copy of Dispute letter (30th. Nov. 2009)

The CCA they supplied is in post 26 and the letter stating they cannot locate original is in post 32.

 

Getting conserned now.Any advise welcome.

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  • 2 weeks later...

If they try to take you to court you can bring them to 'strict proof' where they will have to produce the original.... they've already admitted they don't have it. You could edit the letter above to include that they have admitted there's no original and enclose a copy of their letter.

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Hows things Shirei?

 

Hope your well, they still bluffing:D

 

Regards

 

Andy

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Hi Andy,

Not so sure about bluffing anymore :( OH brought home a letter sent to his Human Resources dept. from Weightmans asking for information about his employment .

 

Why go down that avenue when they can just issue litigation and get a CCJ, as said all bluff stop worrying.

 

Regards

 

Andy

 

PS How do they know his employer? hit them with the DPA and harassment

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I presume HFC have passed on the information as they say they have been instructed by them. The letter states the info provided will be treated in strictest confidence and will be used solely for the purposes of legal proceedings.

The request was made under section 35(2) of the Data Protection Act 1998

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I presume HFC have passed on the information as they say they have been instructed by them. The letter states the info provided will be treated in strictest confidence and will be used solely for the purposes of legal proceedings.

The request was made under section 35(2) of the Data Protection Act 1998

 

Maybe but you didnt give HFC permission to pass on your data or your OHs employer.Hit them with a DPA/Harassment warning.

 

Regards

 

Andy

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