The Sub Prime Credit Thread - Part IV

davethorp

never-in-doubt wrote: »

I prefer your free one mate lol

Deleted your PM by accident mate - had I answered you properly or was I to do something lol (oops sorry mate)

The forms are not enforceable, that is certain.

I PMed you back with a link to the entries on my credit file regarding it. Will re send the PM

never-in-doubt

davethorp wrote: »

I PMed you back with a link to the entries on my credit file regarding it. Will re send the PM

ooops, sorry mate lol

oscar52

NID - quick question.

When I get my rear end into gear tomorrow (probably) am going to resend my letter to NW for CCA.

Is it worth adding to the end of the template that I have requested previously, what they supplied was not what was required (was general T&Cs for numerous accounts (possibly including mine) and if they dont supply the CCA, I will invoke a SAR where they will be obligated to provide it?

never-in-doubt

oscar52 wrote: »

NID - quick question.

When I get my rear end into gear tomorrow (probably) am going to resend my letter to NW for CCA.

Is it worth adding to the end of the template that I have requested previously, what they supplied was not what was required (was general T&Cs for numerous accounts (possibly including mine) and if they dont supply the CCA, I will invoke a SAR where they will be obligated to provide it?

Hi Mate thought i'd already pointed you in the direction of the standard letter to send when they send terms: Send that and see what they come back with (I bet you a tenner it will be more bullsh!t lol)

Click the link and go to the middle letter, highlighted in red below mate.

16. Various CCA Query Letter 'Variations'
Variations of CCA Queries, i.e.
- CCA Dispute - Illegible Copy Document Supplied;
- CCA Dispute - Terms & Conditions Supplied;
- CCA Dispute - Copy Document Supplied;

By the way, a SAR doesn't guarantee anything, it is governed by the ICO which as you know, cannot place sanctions or fine so really not much they can do when the lender refuses to comply with a s.78 or a SAR.

oscar52

never-in-doubt wrote: »

By the way, a SAR doesn't guarantee anything, it is governed by the ICO which as you know, cannot place sanctions or fine so really not much they can do when the lender refuses to comply with a s.78 or a SAR.

Good Point - Never actually thought of the fact the ICO have little power.

never-in-doubt

oscar52 wrote: »

Good Point - Never actually thought of the fact the ICO have little power.

Exactly so you're better sticking to CCA as you can at least have case law as backing to your argument.

Its ok, dont thank me for the letter - no probs lol....... hahah

oscar52

never-in-doubt wrote: »

Exactly so you're better sticking to CCA as you can at least have case law as backing to your argument.

Its ok, dont thank me for the letter - no probs lol....... hahah

Happy now???

Zack1

I've got my Student Finance money (shocked!). Just put 2k of it in Halifax account, will they know what I'm playing at?:p. That's got like £3,500 in now, which blatantly isn't going to stay there for long, but hoping the +£3,500 might convince them I won't be going into an unarranged overdraft any time soon!

seeya23

well done on geting your Student Finance are you off to the sale lol

Zack1

seeya23 wrote: »

well done on geting your Student Finance are you off to the sale lol

Haha shocked I've got it. They haven't updated my details so I won't get a £200~ bursary until they do, but I've just got a £2k+ payment, hmmm!!!

Sales are tempting I'll certainly be checking out some laptops over the next week!