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co-op & Equidebt vs HOWLER

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Earlier this year my co-op credit card debt was bought by Equidebt. I sent a CCA request and heard nothing till today. Could i have your comments please as to next step??

Letter as follows

equidebt2162.jpg

equidebt1161.jpg

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Hi Howler.

 

I don't have a great deal of experience, but hope I can be of some help...

 

I notice you have removed the signatures. Was your signature on the credit agreement sent to you by equidebt?

Do you remember signing that document?

Were T&Cs enclosed with the letter?

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hi mowgli

yes my signature was on it.

no i cant remember signing it. but it was 8 years ago.

no there was no t&cs.

these were the only bits of paperwork in the letter.

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Hi are you sure they have bought the debt?

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i have a letter from co-op informing me they sold it.

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Please HELP

sorry for being so thick but can any one tell me if this is a " properly executed agreement" because i have no idea. cheers.

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Hi Howler - when did you last make a payment towards this a/c? Equidebt are notorious Statute Barred debt chasers. If no T&c's it's not enforceable as it stands however they could possibly reconstitute an enforceable agreement. You should also require them to produce statements showing how they calculate the amount you allegedly owe.

Edited by payingonlyencouragesthem

"Why CCJ when you can CCA!"

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the card is from 2001 you say

and the CCA they sent is from 2008.

 

me thinks someone is trying to fleece you here

 

when was YOUR last financial transaction on it?

 

dx

moved thread to general debt forum.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi folks

whoopee got some help , thanx to all.

The last payment to the coop was made 22/02/08 then made several payments to equidebt the last was about 05/09.

The balance according to equidebt was 7294.34 that was october2009

no payments since because i have had enough of their bully boys on the phone. all phone contact has now been stopped thanks to info from cag.

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The copy of the cca is dated 02

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something is not right here

i very much doubt anything you signed in 2002 would have any sort of remark about fixed apr till jan 08

 

anyhow aside from that

 

if you were making payments till 10/09 that blow sb out the water.

 

even if the cca were un-en, the debt still exists.

 

pers i think you need to sar the co-op

lets see where your money has been going and if you have any unlawful charges/ppi to be reclaimed.

 

i think you really should pay 'something' at the moment but i'm loathed for it to be toward a dca

 

if the debt has been sold, then the co-op have written it off against tax and these jokers have gotten on your tail

 

the dca would have brought the debt for abt

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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thanx for your comments dx

there is no ppi on the account.

yes the debt does exist.

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hi all

since the above i have had no post or phone calls , is this normal ?

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They probably passed it on to their legal buffoons who seem to sit on things for ages. Expect a court action or Statutory Demand threat in due course.


"Why CCJ when you can CCA!"

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let sleeping debts lie,or they might come back and bite:madgrin:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Folks

Me again, not been here in a while . let me fill you in ,,,,

 

 

thanks to all your help my debtors have all backed off ,

 

i havnt heared from anyone for quite a while now,

 

but then again i have been a little busy.

 

Moved house leaving me no mortgage everything now in my wifes name ,

 

tho i know that dont mean jack.

 

Wife got cancer and over last 12 months beat it, shes hard !!!!

 

Debtors havnt caught up with me yet ,

and no i am not informing them of change of addy , ,

, let em find me . haha.

 

I do hope you and yours are all ok and well .

.. one thing i have learned over the last 12 months debt dont mean nothing ..

 

.. keep well all and take good care of u and yours. Godbless.

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hiya

 

good work

 

your mrs sounds like mine

 

beat cancer but got her lymph node zapped and how get really bad water retention in her legs

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes , wife has some trouble with lymphodema , but nowt she cant handle. tough old bird haha

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Here we go again

Letters from CABOT (must have been sold on ) arriving weekly phone calls from CABOT all blocked now.

As all this started in 2009 is there no time limit ?

Thanks guys.

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if the last payment/acknowledgement was 05/09, its long statute barred sb date 05/15


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thank you , i thought that was the case. Cheers

These people really are ****.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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