12+2+30 default letter

lorettauk

Hi

Has anyone a template for a 12+2+30+ default letter. I keep searching this site but cannot find one. Any help would be much appreciated. I originally sent Virgin MBNA the 12+2 letter. In response to this they sent me on 3rd October a signature strip only and then separately sent terms and conditions typed on plain paper. I sent them the follow up (12+2+30) also advising that the information they provided did not comply with the legislation. They again sent me the same info as they did the first time. They have today sent me a letter telling me that they provided all they are required to provide under section 78 of the Consumer Credit Act 1974 and no further correspondence will be entered into. The 12+2+30 days are up tomorrow. I believe a signature strip on its own does not constitute a true copy of an agreement. I believe that there is a default letter that can be sent once the extra 30 days are up. Can someone help me with this please and I would also appreciate someone confirming that I am right about the signature strip on its own not complying with the Act. Thank you.

ebsay2000

just bumping this up to the first page, so hopefully someone can help you.

morph2008

hi could i have a link to the 12+2+30 as i wasnt aware that there was one? i have sent a 12+2 but they have just sent me a letters aying that i owe the money and i should pay up even though they cannot enforce the debt due to the fact that is is over 6 years old and they are unable to provide me with a CCA

PepeLePew_2

morph2008 wrote: »

hi could i have a link to the 12+2+30

Lol I was searching for the 12+2 and found this thread. Here's the 12+2+30
http://forums.moneysavingexpert.com/showthread.html?p=6582439
can anyone reciprocate a link to the 12+2

GeorgeUK

Here's a thread with lots of templates.
http://forums.moneysavingexpert.com/showthread.html?p=11635955#post11635955

One thing you will need to be careful of though is that it is no longer a criminal offence after 30 days so you will need to take that out of the letter. They changed the legislation recently.

If they do not respond, you should complain to the regulatory bodies - especially if they are still chasing you for the debt.

lorettauk

Thank you all for your help. Is there a standard letter for complaining to the regulatory bodies and if so who do you complain to?

GeorgeUK

Here's one for the Office of Fair Trading
http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/147830-complaint-oft-respect-invalid.html

Can't find one for Trading Standards, but i'm sure i saw one posted on this forum that someone had sent.

lorettauk

Thank you again