So wanna be debt free!! (old debts)

thewappyone

thanks for the bumps


good news one of the debts has got back to me. (not the original one tho )

but the letter is dated the 27th of March no i sent the letter on the 6th or the 8th (recorded slip is at work!)

that would make it 15 or 14 working days it took. does this mean because they didn't do it in the time specified it is not enforceable??

regards


Marc

RAS

Hi

it does not matter if they got back to you or not. What matters is whether the documents they sent are legally compliant.

Can you photo or scan the paperwork they sent and post it up here, after removing the personal details and any barcodes and account numbers.

thewappyone

Hi there

here it is its a little large :rolleyes:

but they are the ones i signed so i would assume there compliant

here is the documents there was only one page sent.

Link

http://i235.photobucket.com/albums/ee226/thewappyone/img001.jpg

Regards

Marc

thewappyone

was that a ok copy??


i've still not been replied to in regards to the original cca

regards


wappy

thewappyone

I've checked arround ooking to see regarding this CCA here is what i have found


http://forums.moneysavingexpert.com/showthread.html?t=1601285

The Prescribed Terms are these:

A Amount of credit

A term stating the amount of credit

B Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following:-

(a) Number of repayments;
(b) Amount of repayments;
(c) Frequency and timing of repayments;
(d) Dates of repayments;
(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

C Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement

D Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

---

Which of these applies to you depends on the type of agreement you have?

For a Running Account (credit card) agreement

BC and D Apply

For a Restricted Use Debtor Creditor Supplier

• Where the dealer is the supplier and the creditor is the one providing the finance.
• The money can only be used for the purpose it is given.
• There is no interest on the purchase (the cash price is the same as the total price)
• And there is no advance payment

A is applicable

From what they have sent me it dosen't apply to any of these. what doe's this mean for me?

regards

thewappyone

Just a quick update.

Call serve due to Yorkshire Bank not proving a CCA have handed the file back to them and as such im just waiting.

My other debt after sending the letter found here http://forums.moneysavingexpert.com/showthread.html?t=1601285&page=4 i've had the exact cca sent to me so im trying to sort out a letter now to go back to them.

regards