Cca Requests Updates Please

rog2

racey84 wrote: »

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

Worth giving National Debtline - 0808 808 4000, or CCCS - 0800 138 1111, a ring to clarify the legality of that, racey - won't cost you a penny.

swt61

Hi All,

Anyone had time or chance to look at the CCA'S I have uploaded below in post 1259 ?

Many thanks,

Simon

blind-as-a-bat_2

Is the first pair as faded as they are on the scan? if so its unreadable

I have a sneaky suspision they are missing some T&C, do they refer to any paragraph,s or clauses that are not there?

swt61

blind-as-a-bat wrote: »

Is the first pair as faded as they are on the scan? if so its unreadable

I have a sneaky suspision they are missing some T&C, do they refer to any paragraph,s or clauses that are not there?

Thay are faded a bit but I think some detail was lost in the scan
when you say unreadable do you mean all of the writing on the form or just the small print like the Instant credit box & the data protection bit ?

many thanks,

Simon

maka_2

If you have a default on your credit report but the company cannot produce the cca do they haveto remove the default?

swt61

maka wrote: »

If you have a default on your credit report but the company cannot produce the cca do they haveto remove the default?

I beleive the answer in YES some one else will come along & also confirm this soon I am sure,

Regards,

Simon

themagics

hi don't konw of your all still on line or not but we requested our cca's from marlin last week two letters from marlin have arrived today the first one dated 3rd nov stating ' with reference to the above account,and in reference to a letter forwarded to us from tessara, we have noted the contents however to enable us to proceed with your request please forward another letter completed with a signature' it goes on to say 'we have also enclosed your postal order, to enable us to bank any postal orders they need to be payable to marlin' the second letter dated 4th nov also from marlin states ' we write with ref to the above debt ( same account no as in first letter) and in particular to your response to our statement of demand we have noted the comments from your letter, we do not hold all the information of your account on file there fore we have applied to hsbc for the relevant information and will forward these on to you on receipt please be aware that once a credit agreement has been terminated the obligation to provide a copy of the agreement in accordance with consumer credit act 1974 ceases to apply there fore there is no time limit for us to provide the documents to you the debt still remains outstanding the full amount outstanding must be paid within 21 days from the statement of demand failing which we may proceed with issuing a bankruptcy petition against you,,,,,,,,, any comments welcome thankyou

debtman2007

swt61 wrote: »

I beleive the answer in YES some one else will come along & also confirm this soon I am sure,

Regards,

Simon

Anyone?? if that is correct how do i go about getting it 'removed'

swt61

themagics wrote: »

hi don't konw of your all still on line or not but we requested our cca's from marlin last week two letters from marlin have arrived today the first one dated 3rd nov stating ' with reference to the above account,and in reference to a letter forwarded to us from tessara, we have noted the contents however to enable us to proceed with your request please forward another letter completed with a signature' it goes on to say 'we have also enclosed your postal order, to enable us to bank any postal orders they need to be payable to marlin' the second letter dated 4th nov also from marlin states ' we write with ref to the above debt ( same account no as in first letter) and in particular to your response to our statement of demand we have noted the comments from your letter, we do not hold all the information of your account on file there fore we have applied to hsbc for the relevant information and will forward these on to you on receipt please be aware that once a credit agreement has been terminated the obligation to provide a copy of the agreement in accordance with consumer credit act 1974 ceases to apply there fore there is no time limit for us to provide the documents to you the debt still remains outstanding the full amount outstanding must be paid within 21 days from the statement of demand failing which we may proceed with issuing a bankruptcy petition against you,,,,,,,,, any comments welcome thankyou

Absolute crap they cannot enforce anything while the debt is in dispute,

There are simular posts wiyhin the thread and the necessary letter to resond is there too.
If i manage to find it for you I will post the link,

Simon

GOT IT LOOK HERE http://forums.moneysavingexpert.com/showpost.html?p=15562513&postcount=1234

themagics

thanx for reply just submitted this as a new thread with hope of getting loads of advice we not sure how to respond so am tracking thru the threads cos i know people on here have had same crap from these people