Letter Templates For Creditors???

[sea-sidelady]

Hi,

I did have some letter templates for creditors. But i have managed to delete them

The main one im looking for is the one to send a payment i can afford and the debt to be written off.

I hope this sounds familiar to some one.

Any help would be great.

[sea-sidelady]

Its ok i found them again.

I will post here in case anyone needs them.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

[Michael Browne]

That's the Bank Templates Library

Creditor's Letters are here:

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

[georgieboy]

Have sent off the template letter N for copy of agreement. What would be the next step should I not receive one. Any ideas welcome..

[NORTHERNGUY]

Hi , I am new and looking for the template letters to send to DCA for default from 2001 asking for details off the debt , any help would be appreciated

thx

[powelll]

This one should do if you are disputing the debt totally ( sorry don't have as a link ):

 

(Your home address)

_________________

_________________

Date: ____________

To: ______________

__________________

Dear Sir/Madam

Account no:

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

(Your signature)

REMEMBER

TO KEEP A COPY OF LETTERS YOU SEND TO YOUR CREDITORS

[fuzzylittlethings]

does anyone know where i can get a letter to ask my creditor to freeze interest?

[Hannah Smith]

Hello i am very new to this forum. I am also very desperate i understand that there are some legal loopholes taht exist in respect of credit card debts on credit agreements signed more than two or three years ago. I am desperate to find out EXACTLY what I need to do or write to get my frightening and debts wiped out I simply can not afford to pay them.

 

I also have a huge problem with a Interest only mortgage i took out in 2004. I can no longer live in the property and due to the huge slump in property value i am being offered 30,000.00 GBP less than i paid for the propety leaving a shortfall for teh mortgage redemion of about 27,000.00 can any one help me i am very very very desperate and i need to move fast.

 

Thanks

 

Hanna

[georgieboy]

Hi Hannah unless you receive any better advice on this site and as time is of the esscence, my suggestion would be to contact your local Citizens Advice asap, as they are excelent with help on these matters, best of luck anyway.

[iceman17]

Hi Hanah,

 

any joy with the issues below?

 

Iceman

 

Hello i am very new to this forum. I am also very desperate i understand that there are some legal loopholes taht exist in respect of credit card debts on credit agreements signed more than two or three years ago. I am desperate to find out EXACTLY what I need to do or write to get my frightening and debts wiped out I simply can not afford to pay them.

 

I also have a huge problem with a Interest only mortgage i took out in 2004. I can no longer live in the property and due to the huge slump in property value i am being offered 30,000.00 GBP less than i paid for the propety leaving a shortfall for teh mortgage redemion of about 27,000.00 can any one help me i am very very very desperate and i need to move fast.

 

Thanks

 

Hanna

[Jesteruk]

Any one have any ideas where i can find a letter for non-complience of CCA request? its been 4 months since request. or should i just complain to TS & OFT??

 

cheers

[crispinmic]

hi , i am trying to find a template letter where the creditior even thought you have gone through a debt mangement plan ie cccs they received a amount each month bit each month they charged 26.00 for a letter so in stead of paying the debit off it is going up each month .not getting any where thanks

crispin:(

[big valley]

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

 

A few of these have helped me in the past

[Foxknowe]

Any one have any ideas where i can find a letter for non-complience of CCA request? its been 4 months since request. or should i just complain to TS & OFT??

 

cheers

 

 

I am in the same position as Jesteruk was, so far I have received either leaflets with t&c's on, a letter from Vanquis advising they only need to send a blank application with t&c's or nothing from others (who subsequently pass to debt collectors).

 

I am worried sick as I have 10 cards (between my wife and I).

 

HELP PLEASE

[m_c1965]

I too need a non compliance letter to send to a creditor. Anyone got any ideas where to find one.

[42man]

#Is it this one ?

 

Send by recorded....and edit as required

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[m_c1965]

Thanks for that. I did find one and send it, but I think yours is better

[lawtcrav]

I am presently challenging my loan agreements but cannot find the template letters to send once I have received resp[onses to copies. For example I have received one saying they cannot locate the original document but have sent a blank one claimaing this is enforceable. would some kind person guide to the correct section of this site or anoth. Thank you

[pt2537]

I am presently challenging my loan agreements but cannot find the template letters to send once I have received resp[onses to copies. For example I have received one saying they cannot locate the original document but have sent a blank one claimaing this is enforceable. would some kind person guide to the correct section of this site or anoth. Thank you

who are the creditors?

 

I deal with this on a daily basis at work so if you can let me know which lenders you have CCAs with and what the replies are, i will hopefully be able to give you some help

[lawtcrav]

Thank you for your advice and assistance it is much appreciated

1. Littlewoods

2.Lowell Finance who state that they have asked their client to supply the document which was requested three weeks ago. They also state that only receipt of the agreement the full amount will become payable unless I pay £600 in settlement by 6 December, their letter is dated 1 December, I received it yesterday which was the 6th:mad:.

Regards

[crimints]

Hello everyone,i am new to this site,can anyone pls help as to where i start from,am in difficulty of meeting my monthly payment on credit card/loans debt owed by me and spouse,which letter do i start with:(

[westendwendy]

Hello, welcome to CAG.

 

Start a thread in this forum:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/

 

Explain your problem and someone will be along to advise you.

[gearjamma]

Have sent off the template letter N for copy of agreement. What would be the next step should I not receive one. Any ideas welcome..

I SENT THE SAME LETTER TO H.F.O.,WHO SAID I HAVE TO APPLY TO THE SHOP I HAD THE ORIGINAL AGREEMENT WITH.I TOLD THEM THAT THEY TOOK ON THE DEBT SO THEREFORE THEY BY LAW MUST COMPLY WITH THE REQUEST FOR AN ORIGINAL COPY OF THE AGREEMENT,THEY COULD NOT DO THIS IN THE ALOTTED TIME OF 12 WORKING DAYS SO THEREFORE THEY COULD NOT ENFORCE THE DEBT.I AM NOW FREE FROM THEIR HASSLE AND OWE THEM NOTHING..

[randomandi27]

Hi Everyone,

some really useful information about so thanks for that. Got a few questions please. I did have a default notice on my credit account, for £350 for an overdraft I got into trouble with, but it seems to have vanished? Do they go after a certain amount of time??

 

Another thing is, I am trying to get myself debt free for a move to Brighton but have recently noticed Vanquis Credit Card have defaulted me, and so I have another default notice on my account. I remember my card had a limit of 500, and the total owed is 650, so they have applied some charges. As these charges would be seen as unjust and unlawful does this mean the default is not valid. I want to get it removed from my credit file you see, as hoping to get a loan to do my PHD down south in a about 15 months time.

 

I have a letter template to send to cabot finance (thats the dca who have taken on this debt), it basically says I am in dispute of this debt and the amount owed, and that I require info on my liability for this debt. I asked for a reply with 14 days.

 

Is this correct?

[bankkicker]

Thankyou for that please lookat the site "introducer uk.com which has a very good article about a ruling from chester county court as regards credit agreements