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Letters from Companies
rich_emma
Posts: 8 Forumite
I have received 2 letters back from companies stating that "no sum is, or will become payable under yoru credit agreement, section 78 (3)(a) of the act provides that we are not obliged to provide you with the documents and information you seek".
What does this mean - is it an attempt to brush me off, and should I persue or should i stop my claim?
Thanks in advance
E x
What does this mean - is it an attempt to brush me off, and should I persue or should i stop my claim?
Thanks in advance
E x
0
Comments
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These are closed accounts,they do not have to provide this info.
You need to do a SAR
https://forums.moneysavingexpert.com/discussion/1475553
This will cost you £10 and you have to give them 40 days to comply.
What are you trying to find out?.0 -
What does this mean - is it an attempt to brush me off, and should I persue or should i stop my claim?
It means, as mentioned above, that you have used the wrong letter. The £1 CCA method only applies to debts/accounts still in force. For closed accounts you need the £10 DSAR method that amersall has linked to.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
thank-you very much - are they worth persuing for the £10?0
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Depends on your reason for asking for the agreements and your reasons for complaint. You dont need the agreements to make a complaint. That is an internet myth (partly encouraged by this site).I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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OK - so if I wanted to persue them for a possible PPI claim, I could just fill in the Ombudsman questionaire and send that to get the bally rolling, or would I require another form?0
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OK - so if I wanted to persue them for a possible PPI claim, I could just fill in the Ombudsman questionaire and send that to get the bally rolling, or would I require another form?
That form is fine. It is designed for the very purpose of giving them what they need to know.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Thank-you, I will give it a go, then I think
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