CCA 12+2 days passed what do I do now?

sourcrates

beverley1296 wrote: »

unfortunately my eyesights not good and I have tried reading this but I cannot even the original is blurry.

Does it state the credit limit anywhere on the document ? or does it just say "credit limit will be advised to debtor" as omitting the former, and stating the latter, alone does not comply with CCA 1974.

rizla_king

sourcrates wrote: »

Does it state the credit limit anywhere on the document ? or does it just say "credit limit will be advised to debtor" as omitting the former, and stating the latter, alone does not comply with CCA 1974.

Stating that does comply. Falls under

The credit limit may, by virtue of Sch 1 para 8, be expressed as a sum of money, or a statement that the credit limit will be determined by the creditor from time to time and notified to the debtor, or a sum of money together with a statement that the creditor may vary the credit limit from time to time and notify the debtor.

happy_bunny_2

At least they got the late payment fee correct on an account that old. May well be real.

My RBS one they tried to say was real had a late payment fee of £12. Really? Taken out in 199x. Don't think so.

Get it checked as Rizla says. Or try a different expert forum that looks at these things as there may be technicalities wrong with it.

beverley1296

As its a DCA chasing me and not the actual credit card, can the DCA actually take me to court? or send bailiffs or do anything?

beverley1296

Just reading the agreement on this and it is an application form, they are having me agree to them making credit reference searches to see whether they can offer me a credit card. This is the only thing I have signed.

Exact wording I signed to

Credit agreement regulated by consumer credit act 1974.
The partied to this agreement are Halifax uk and the applicant above. I request that Halifax uk issue a card PIN and cheque book to me and to any person named above as an authorised user. I understand that Halifax plc may use credit scoring techniques to assess my application. You are authorised to make such creditor other enquiries as you see fit. Credit reference agencies will keep a record of any search. You are authorised to share information about me and my account with other lenders through credit reference/fraud prevention agencies, in order to make credit decisions, trace debtors and prevent fraud. I have received a copy of and agree to be bound by the conditions of use. All information provided by me is true and complete.

rizla_king

Yes but depends on whether the terms and conditions that make it a valid agreement are referred to in it or form part of the same document. Something can say application form and be a valid agreement at the same time. It's not mutually exclusive.

rizla_king

beverley1296 wrote: »

As its a DCA chasing me and not the actual credit card, can the DCA actually take me to court? or send bailiffs or do anything?

If they have bought the debt they can. Not bailiffs until they have a court order you haven't paid though.