Cca Requests Updates Please

money_back_3

i asked a dca for my CCA, its gone past the 12+2 stage, so i wrote that letter they have replied saying they are still waiting for it from the OC, they go on to say " although we are unable to supply a copy at this time we will continue to tell the credit reference agencies of the acoount status"
Can they do this? i thought they could'nt

swt61

How can I upload them from my pc?

I cannot add attachments in my profile :-(

fermi

swt61 wrote: »

How can I upload them from my pc?

I cannot add attachments in my profile :-(

You would need to upload the images to an image sharing site and then post here.

This thread explains how.

Link: Images

Make sure you blank out anything that is personally identifying. Don't forget that can include bar codes and reference numbers as well as the normal personal info.

swt61

louisa79 wrote: »

Sorry if this has been asked elsewhere on this post, but a DCA has finally sent through a copy of one of my credit agreements, three months after I initially requested it.

Should I ignore this as it is so late?

Thanks

I am sure that if they supply it anytime after you request it even though it is out of the 12+2 & then the + 30 days it still then applies!

Som,eone else will be here soon to check on this soon But I am sure thats what I have read somewhere in the Thread,

Best of Luck,

Simon

fermi

swt61 wrote: »

I am sure that if they supply it anytime after you request it even though it is out of the 12+2 & then the + 30 days it still then applies!

Yep. The CCA74 only prohibits enforcement after the 12 days while the creditor is still in default of the request. Once they comply at any time they are able to enforce the agreement again.

swt61

fermi wrote: »

You would need to upload the images to an image sharing site and then post here.

This thread explains how.

Link: Images

Make sure you blank out anything that is personally identifying. Don't forget that can include bar codes and reference numbers as well as the normal personal info.

Many Thanks I will get them posted up in the morning!

So I delete ALL my personal details but just leave the loan details intact?

Simon

maz1964

blind-as-a-bat wrote: »

It would be worth posting them as there are problems with some GE money CCA,s because they seem to forget there are terms and conditions on the back, which must be supplied before they have complied with your CCA request, and some of the older ones dont quote the APR on the front, so without the rest they are unenforceable;)

hiya blind as a bat

this is interesting for me, i have only have had the front copy of the cca on a debenhams acc, now a dca has, now after visiting ts, they advised i should get the back too, so am awaiting on a responce from dca, of course all their letters insist its a valid agreement! even though it says its an application, but they do so insist its a credit agreement, hmmme lets see what reply i get back. ta very much, i thought i was going mad !:rotfl:

see ya laters ciao maz

swt61

Hi All,

Well I think I have nmaneged to upload the CCA's that I have received

Here goes:j

Click on each Item & it should open in a new window :-)










I hope this works

I await anyones response :A

rachyrach2k

Hi guys,

Been reading this thread for the last couple of days.

I am looking at my agreement for a loan that I took out in 2005. It shows the APR but not the interest rate. Does this make it unenforcable?

racey84

Hi,

I have just received a photocopy of my CCA. I am currently checking it is a copy which meets all the requirements, while everything looks like it is in my hand writing I have noticed the date which I signed for this credit card I would have been 17. As I have mentioned it all looks like my hand writing, but to my knowledge you have to be 18 to get a credit card? To be honest I do not remember when I got this credit card out (wish I never did). Would pointing out I was only 17 at the time of getting the credit card make my debt unenforceable?

Thanks anyone that can help