CCAs query Advice needed

DEVONLIFE_2 · 26 October 2009 at 2:17PM

Hi everyone
CCa Very and today recieved a signed CCA back. However the account as opened in 2000 and the CCA they have sent me is dated 2004? bit of a miss about what to do next as I thought they needed to send the original not one from 4 years later. Any advice?

Tixy · 26 October 2009 at 2:46PM

Hi Devon

They need to send whichever CCA is enforce at this time - did you re-sign a new agreement with them in 2004?

DEVONLIFE_2 · 26 October 2009 at 3:02PM

Thanks for the reply Tixy. No really sure such a long time ago. It does not have any interest details on just a bit about the agreement, The credit limit, the statement,special offers, bnpl,what you must pay, charges although no interest rates shown and how to pay. Has my signature on it and a date in 2004.
Cant scan it as have no scanner.

misty_blue_2 · 26 October 2009 at 3:51PM

Hi
i have had the same problem with Littlewoods, mine was dated 4 years after the account was opened, so in my mind this cannot be a copy of the original cca that should have been signed on the opening of the account
i reported them to the OFT
Here is part of the OFT'S reply to me

A copy must be a copy. It need not be exact on immaterial points, but cannot be a conjectured reconstruction.
If the trader has no original copy, the trader will have difficulty showing that he has complied with the regulation by supplying a ‘true copy’, since nobody would know what was in the original

hope this helps

DEVONLIFE_2 · 26 October 2009 at 4:34PM

Thanks Misty Blue thats interesting.

DEVONLIFE_2 · 26 October 2009 at 4:37PM

Misty blue did they ever supply the original?

misty_blue_2 · 26 October 2009 at 4:40PM

DEVONLIFE wrote: »

Misty blue did they ever supply the original?

Hi
no they havent, they even addmitted in 2 letters to me they dont have it
they then passed it on to lowells who have threatened me with allsorts, and i reported them to the OFT too

pleased to have been some help

biggaz26 · 26 October 2009 at 5:41PM

I have received a letter from Cabot with a photocopy of the original cca and a current 'small print' booklet. The CCA has the name printed on it and it is spelt wrong.

What is it the I should be looking for on the CCA. Should I find the interest rate etc on it.

Thanks

G

DEVONLIFE_2 · 26 October 2009 at 8:13PM

Not sure but will bump for you

biggaz26 · 27 October 2009 at 9:53AM

biggaz26 wrote: »

I have received a letter from Cabot with a photocopy of the original cca and a current 'small print' booklet. The CCA has the name printed on it and it is spelt wrong.

What is it the I should be looking for on the CCA. Should I find the interest rate etc on it.

Thanks

G

Sorry to bump but can anyone give me some advise...the rate and repayment frquency is in the small print booklet but not on the form. The dates on the form have no year either as well as the surname being spelt incorrectly.

does the intrest rate have to appear on the actual form. The booklet they have sent is clearly a new one and not what was in force at the time...

Cheers for any advice

stapeley · 27 October 2009 at 10:37AM

I would make sure you keep anything they send you . IF it ever went to court , I very much doubt a solicitor would dire turn up with a document with the wrong spelling of a debtors name on it ! Also have they sold the account to the DCA , request a notice of assignment .

CCAs query Advice needed

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