Cca Requests Updates Please

jonathon wrote: »

cap quest good or bad news. following my request for a cca today i received a letter back very quickly saying thay are putting my account on hold for 28 days while thay obtain the information required.
is this good or bad ?

Good news - still send them the 12+2 letter when the times up!

Bazza66 wrote: »

If you have not already sent the 12+2 letters and the time is due then do so - you dont need to send anything else after that - they know the rules and rog2 seems to think that this letter is more of a courtesy than legality which I am inclined to agree with.

Sounds like a Lowell-Life response to me. Is it them?[/quote

Hi Bazza,

The dca is aktiv kapital.
Should I also include in the letter that I believe the
accounts are also statute barred?

W.W.

I hope someone can help me.

I sent off a CCA request with £1 although I am not entirely sure what I should have received back. I keep reading about prescribed terms?

I would post a copy but the writing is so small, I have had to use a magnifying glass to read it!!! Not the best copy.

The covering letter states that they have sent me a copy of your latest executed agreement. This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you enetered into the agreement. However, the interest rates have been omitted and the fees and charges have been suspended and no longer applicable due to the current status of your account. (My account is in recovery - payment plan with nterest frozen but I have stopped payments from Dec as I just can't afford it anymore).

They have sent me a statement of account but the documents say they are notice of arrears (3 pages with very little on) and a copy of the account conditions. It does state 'this is a copy of your agreement for you to keep. It includes a notice about cancellation rights which you should read.'

Looking over it has the following:

• These are a copy of the terms and conditions of an agreement between us (Barclays Bank Plc) and you (the person who signed this agreement) - This is just a photocopy of what looks like a leaflet. There is no signature.
• It states standard balance APR's for 3 different tyes of accounts.
• The charges are £20 for a returned DD etc I took this card out approx 2001/2002

There is no where to sign it if it is an agreement but there is a cancellation box.

Finally, the covering letter states This completes our obligation to you under section 78 of the Consumer Credit Act 1974.

What should I be looking for?

I have sent off a Subject Access Request today and it detailed that I want a true copy of the original executed agreement. Is there anything else I should be doing?

Thank you in advance for any help and advice you may be able to give.

Bazza66 wrote: »

Sounds like an application form to me and also with it being illedgeable they would not be able to enforce it.

The prescribed terms should be as in this post :

http://forums.moneysavingexpert.com/showpost.html?p=17056149&postcount=1551

I personally think yours is not enforceable from what you say but without actually seeing it I cannot guarentee that.

Hi.

If after I get someone to look at the CCA that Cabot have sent me. What letter do I send to them to say that I believe this not to be a "true" CCA and only an application form. Also as I cannot read the information on it can I request a better copy?
Also I forgot to mention that they have sent me through representations of letters that would have been received in 2004 and also 2006 which I can honestly say that I did not receive. The fact that they passed on the debt to another DCA and then they passed it back without telling me and used my Mums address rather than the one on file is a joke.