CCA Statement of account?

Winkflower

Hi all please can you help?
I sent cca requests at the end of March. Link sent a hashed together agreement with the wrong address and no statement of account.

This was for a credit card. I thought that to be compliant they needed to send a statement of account to include what was taken out, what is owed and what transactions have been made in a statement rather than a link letterheads piece of paper saying account statement with just the account number and remaining balance?

I've disputed it being compliant and they've now sent back an agreement with the right address, have said the dispute is now complete and closed and compliant.

So my question is do they need to break down the transactions and payments for a credit card? Or is this just a loan. If they don't need to then I believe they are compliant, if they do then will go to the ombudsman. I've looked at sections 77-79 but am not sure it applies to credit cards.

Thanks so much for any advice.

Wx

sourcrates

Sec 77 refers to fixed sum loan agreements (loans).

Sec 78 refers to running account credit (credit cards).

Sec 79 refers to hire agreements.

A compliant credit card CCA must include the name and address of the debtor, the amount of credit/interest rate original terms and conditions/amended terms and conditions etc.

They don`t need to supply a full statement of account, just a recent one showing the outstanding balance.

Winkflower

Thankyou so much @sourcrates.
So it seems thus one is compliant so will resume payments.
My husband and I have creditors with link and all of the cca requests seemed hashed together so we disputed all 5.
All 5 the due payment moved from June to July online like they'd been put on hold.
Only 1 of thr disputes was acknowledged, with alter to say looking into and a follow up letter and then the cca.
The other 4 we disputed we didn't get any response or follow up at all. We assumed they'd got them as the due date moved from June to July on our account.
Today though we received 4 letters for them all with a statement if account and notice if arrears issued for each saying that as we haven't made payments the full amounts have become due.

Not sure where to go from here as the ccas didn't seem complian, we complained and didn't get a response. 
Is a statement of account with notice of arrears and request for full payment something they are doing before selling on maybe? Or is it something done before a ccj?
It's says the arrears represent the oustanding balance as you did not maintain payments - but mlpayments were on hold as was awaiting a cca request and now awaiting a compliant cca.

How to proceed?

Thanks again wx

DankVielen

Winkflower said:

Hi all please can you help?
I sent cca requests at the end of March. Link sent a hashed together agreement with the wrong address and no statement of account.

This was for a credit card. I thought that to be compliant they needed to send a statement of account to include what was taken out, what is owed and what transactions have been made in a statement rather than a link letterheads piece of paper saying account statement with just the account number and remaining balance?

I've disputed it being compliant and they've now sent back an agreement with the right address, have said the dispute is now complete and closed and compliant.

So my question is do they need to break down the transactions and payments for a credit card? Or is this just a loan. If they don't need to then I believe they are compliant, if they do then will go to the ombudsman. I've looked at sections 77-79 but am not sure it applies to credit cards.

Thanks so much for any advice.

Wx

It sounds like an old debt, has there been a period of 6 years where there was no payment or acknowledgement of the debt with any owner of the debt?

IF your credit record is trashed already then you can start that 6 year period now by doing a DMP, see sticky posts for DMP details