Hbos. Intended Court Action Letter Credit Card debt

[rhos123]

hi, bb have not sent moorcroft a cca request, only the halifax only recived recon terms, not even recived an application form. i am not worried about moorcrap and their pre -divisions. i have even had a phonecall from moorcrap today offering to clear £700 off the amount if i can pay the rest in 7 days, i told them to p**s o*f . i will not pay moorcrap 1 penny. if they take me to court i will tell the mr judge i refuse to pay them anything. i would rather go to jail, i have not got any assets. they can not put any claim to my house as my local council own it. i have offerd halifax £xx per week but they wont accept it so sod them!

[Bazooka Boo]

OK so if you CCA'd ShallowFax then there is no need to CCA this outfit, if what you received from ShallowFax is unenforceable, then all you need send these lot is the 'bemused' letter, and they will pass it back to the OC.

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

[rhos123]

OK so if you CCA'd ShallowFax then there is no need to CCA this outfit, if what you received from ShallowFax is unenforceable, then all you need send these lot is the 'bemused' letter, and they will pass it back to the OC.

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

cheers bb will send this the moorcrap muppets, as i said these muppet dca will NOT get 1 penny from me, i wonder why the halifax have not taken me to court to settle this matter once and for all ? . another phone call today from moorcrap saying a doorknocker collector will be calling. big mistake for the moorcrap door knocker if they call at my door.

[rhos123]

lots of guests looking in:p

[Bazooka Boo]

lots of guests looking in:p

 

I always fail to look and see if there are any trolls looking in:(

[Dotty50]

Hi Rhos

 

According to Experien, someone has settled my Halifax account

 

Blair Oliver & Snot were dealing with mine but kept complaining to Halifax, last letter sent last week and this change to my file happened early this week!

[rhos123]

Hi Rhos

 

According to Experien, someone has settled my Halifax account maybe someone at experien had the typos.

 

Blair Oliver & Snot were dealing with mine but kept complaining to Halifax, last letter sent last week and this change to my file happened early this week!

i am not bothered about my credit file held by experien or any other credit ref agency,my file has many negative marks on it ,if halifax or moorcroft wish to add more then so be it, maybe like you someone may at experien or halifax may indeed have a sudden case of typos.

[rhos123]

not heard a peep from halifax or the moorcroft muppets, since my last post:) i wonder what thier next move will be? i wonder if moorcroft have a pre what to do next division:D

[Bazooka Boo]

not heard a peep from Halifax or the moorcroft muppets, since my last post:) i wonder what their next move will be? i wonder if moorcroft have a pre what to do next division:D

 

Their all busy doing their Pre-redundancy course!

[tosh1]

iqor will be next im sure

[rhos123]

iqor will be next im sure

 

iqor who are these bunch of muppets, i will tell them the same no cca. then no pay

[tosh1]

iqor - complete idots. not even had a letter from them. a text message then a missed call

[rhos123]

iqor - complete idots. not even had a letter from them. a text message then a missed call

 

yes you are indeed correct, after reading about them on the forum they are idiot muppets, these fools will not be getting 1 penny from me.

[rhos123]

after a cca request to halifax in oct 09 they sent a copy of a recon version, after sending a sar request in april 10 i have recived this back yesterday in the bundel of papers from them, any idea if this is enforcable, many thanks

 

[rhos123]

this is on the rear of the first scan

 

[Hardupnotfedup]

It is an application form and is void of any prescribed terms that I can see, so it is unenforceable.

[rhos123]

It is an application form and is void of any prescribed terms that I can see, so it is unenforceable.

 

thanks for the quick reply, halifax have put a default on my credit file, so i now will have to wait and see which **** dca will chase me:rolleyes:. also in the sar papers halifax say that the account has been charged off?? any idea what they mean?. many thanks

[UnitedFront]

"Charged Off" is just a term to describe the process of writing off a debt as a bad debt for tax purposes. Unfortunately the debt still exists and can be enforced.... so long as all the other paperwork is correct etc.

 

Also I'm struggling to read the small print on the scan you've posted.... I'll try and enlarge to and see if that works.

 

Cheers.

UF

[rhos123]

"Charged Off" is just a term to describe the process of writing off a debt as a bad debt for tax purposes. Unfortunately the debt still exists and can be enforced.... so long as all the other paperwork is correct etc.

 

Also I'm struggling to read the small print on the scan you've posted.... I'll try and enlarge to and see if that works.

 

Cheers.

UF

thanks uf, when you say can be enforced can they take me to court?

[UnitedFront]

As far as the debt being "charged off" goes, this does not prevent them from enforcing the debt through the courts; so yes they can still take you to court... but then the question is; when they get to court, do they have their paperwork in order?

 

I still can't get my little laptop to let me read the "agreement" properly... I'll have to wait until I'm at the desktop with a proper screen and printer.... hopefully other's will be along with their opinions on it in the meantime....

 

Cheers.

UF

[rhos123]

As far as the debt being "charged off" goes, this does not prevent them from enforcing the debt through the courts; so yes they can still take you to court... but then the question is; when they get to court, do they have their paperwork in order?

 

I still can't get my little laptop to let me read the "agreement" properly... I'll have to wait until I'm at the desktop with a proper screen and printer.... hopefully other's will be along with their opinions on it in the meantime....

 

Cheers.

UF

thanks uf , so it looks like a waiting game now, i did receive a pre court division letter from moorcrap just before halifax charged off the account and not heard a peep since:eek:

[rhos123]

just an update, have recived a letter from capquest requesting payment:lol: i have sent them a cca request andthey sent back the same copy as in my first post, any ideas as to my next move thanks

[jimbo45]

Hi there

 

Pity you didn't deal with moorcr@p as usually they don't have enforceable stuff but as many PRE-XXX divisions as there are pebbles on Brighton Beach in Sussex

 

Had you put the account into dispute with moorcr@p this would have blocked the whole kybosh from going any further.

 

Cr@ppyquest are a different animal entirely -- vicious, harassing load of parasites who will even possibly threaten Bankruptcy after sending you an SD. You'll probably get a few phone calls as well wanting to discuss "a business matter" too.

 

Your best bet is to continue down the "Invalid" or non existent CCA route -- Cr@p usually play for higher stakes in the poker game whereas a lot of the others fold at the first hurdle such as moorcr@p.

 

I think there's templates you can send in your reply to cr@ppy on the Forum when the CCA you have been sent doesn't look right.

 

Do send them because these bunch of Barstewards DO PLAY HARDBALL even when they haven't a case. These people only exist because 100,000's of individuals pay up at the first mention of COURT.

 

I know it seems really strange at times but Courts are there for OUR protection as well as the creditors etc -- and disputes have to be resolved according TO THE LAW.

 

Cheers

jimbo

[rhos123]

hi, jimbo thanks for the reply i did put the account in dispute with the halifax, it seems that i am on the dca merry go round i have learnt a lot from cag and all the great members on here. if capyquest intend to play hardball then i indeed will also. i will not pay them 1 penny!!