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Is this a legit CCA
UNCLE_BUCK
Posts: 88 Forumite
could i have your opinions to this response from my CCA request from cap 1. have scanned both sides of a a4 letter.
thanks in advance
thanks in advance
0
Comments
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needs the scond side pleaseIf you've have not made a mistake, you've made nothing0
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sorry Ras not good at this, but you have to scroll right it should be there.0
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Hi
Before you so anything else, can you take it back down and remove the bar code.
BUt
When did you take this card out? The charges are £12 and if it is before 2006, then this is not the original t&cs
And it certainly aint a signed consumer credit agremeent. it is a set of T&cs sent to you with or after the card. The CCa is done before card is authorised by the creditor.If you've have not made a mistake, you've made nothing0 -
This does not look like a CCA to me. It looks like they have pulled your info from their system and just slapped it onto the letter.
Also, they say these are your current terms - that is not what you requested.
It is difficult as they are not required to provide a copy of the original signed document with a CCA request, but this seems to be the current T&C and a note of your account number and credit limit.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
thanks for you advice Ras and george, i took this card out in 2004, so do you think i should continue with the 12+2 letter as their time is up today???0
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There is a even more targetted one but the 12+2 would be fine.
Oh Dear. 1 to Cap 1 and about 10 to MSE.If you've have not made a mistake, you've made nothing0 -
cheers Ras 0 -
There is a even more targetted one but the 12+2 would be fine.
Do you mean this one, RAS
:
http://forums.moneysavingexpert.com/showthread.html?p=20678321
Personally, I think it would be more appropriate - although the standard 12+2 day letter will be okay - I doubt whether Capital1 will know the difference, and it could be argued that this gives them a second bite at the cherry, so to speak. :rolleyes:I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Take another look at the charges on the 2nd document, under "Key information" it state's £12:00UNCLE_BUCK wrote: »i took this card out in 2004
How can that be? the £12:00 charges never applied until 2006Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0
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