Thinking of Doing Own DMP - Help!!

[dx100uk]

if you are paying Barclays it MUST still be active

so they MUST hold documents

 

 

something smell here - badly!

 

 

dx

[B733]

Yes I know - think I will just send a SAR to the Manchester office and see what comes back - if anything! Thanks for all your help

[dx100uk]

look in the Barclays forum stickies

 

 

dx

[B733]

Hi thanks - now getting some extra stuff from Barclays

 

Is there a template letter to send for non-compliance of CCA1974 request - thought from some threads there was but can't find anything - pehaps things have changed ?

 

Tescos still have not provided a proper reconstituted agreement - did write to them a couple of times and said the agreement they provided did not comply with the CCA1974 but they have never replied to those letterrs - all I have had is chasing letters (I've stopped paying) and now threats of DCA/doorstep visit

 

Any advice please - not sure of best next step

[B733]

Hope it's O.K. posting this question here - just remembered I have already started a Tesco thread Thanks

[dx100uk]

its current wisdom not to chase no or un-en CCA returns.

 

 

dx

[B733]

Hi thanks - did wonder about that

Assume I'm getting computer generated letters at the moment and that someone will eventually look at my letters and check what they have sent to me or pehaps not!

 

Just been reading up a bit more on enforceability/unenforceability and some of the court cases threads and am now even more confused than before - think I'll just wait and see what happens next Thanks!

[citizenB]

Hi thanks - did wonder about that

Assume I'm getting computer generated letters at the moment and that someone will eventually look at my letters and check what they have sent to me or pehaps not!

 

Just been reading up a bit more on enforceability/unenforceability and some of the court cases threads and am now even more confused than before - think I'll just wait and see what happens next Thanks!

 

 

Sadly yes, now you are in their "system", every so often the computer thinks to itself.. send letter 2 or 3 or 4 ?

 

It is very unlikely a "human" will look at your letters any time soon. As dx has said, it is not wise to continue asking for the CCA - once you have sent the request and perhaps one follow up or response to a letter of theirs, then it is probably best left.

 

How did you send the statutory fee ? Postal order/Cheque - have you confirmed if they have been cashed ?

 

Did you send your requests by tracked mail ? If so and it is confirmed they were received, then I guess you could send something like..

 

Dear Sir or Madam,

 

I am in receipt of your letter dated XYZ.

 

It would appear you have chosen to ignore my s78 request dated XYZ, which I know you have received as it was sent by tracked mail. Currently you are in breach of that request.

 

Yours etc,

[B733]

Hi

 

 

due to lack of computer access and lack of know how I have a lot of trouble trying to get stuff uploaded

so am just putting this Cap1 page on to see if is legible

 

Hope to start new Cap1 thread later

[B733]

Hi All just wondered if anyone could give me some advice on doing income/expenditure forms as it will soon be time to do some

When I started own DMP I just followed what I did with payplan - list of income/expenditure + list of creditors & apportioned amount due to each

 

But since some are enforceable I have stopped paying - do I still show them as being owed? but not being paid? (but possibly might be in the future if enforceable agreement turns up)

 

If I don't show them - will that cause problems as it might look like they have been paid off

 

Just a bit confused about how to deal with this so would be grateful for any advice Thanks!

[B733]

Hi just a couple of queries - can you claim back credit card charges more than 6 years ago - it's MBNA and the charges date back to around 1999/2000 - I am a bit confused about this - think perhaps too long ago?

 

Other thing is how often can you do a SAR - I seem to have lost some stuff I received - just wondered if I can get it again

 

Thanks very much

[B733]

Hi got a thread going on Barclays defaulted loan back on credit file

 

Would be grateful for any advice on that thread Thanks!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?452065-Barclays-Defaulted-Loan-Back-On-Credit-File

Edited October 5, 2015 by citizenB
addedlink to post

[B733]

Hi All have been reading around trying to get to understand enforceability a bit more but just getting more muddled - been looking at s127, s61, s65 etc now really confused

 

What I am trying to work out for pre 2007 agreements is whether if creditor can't provide true copy reconstituted agreement and if it goes to court can't provide original agreement then is it automatically unenforceable (provided you defend) or does it depend on the judge on the day

 

Grateful for any help on how this works Thanks!

[dx100uk]

you've got the essence of it all

yes they'll need to signed agreement if they stand a chance in court

 

 

but the whole thing can be stuffed by the judge lottery game.

 

 

 

 

but to be honest that is quite rare