Cca Requests Updates Please

swt61

shinyhead wrote: »

swt,
Is there anything on the other side? I think that the T&Cs are usually printed on the reverse and this is where they usually fail in copying when they put these into storage. The other side is a vital part of the agreement and without it it's void.

Some try to get round this by attaching a copy on a seperate sheet. Obviously this is ripe for forgery.

Thanks for the reply mate

the reverse is completely blank

This was one that Apex were chasing & I sent them packing with a nasty letter

This is the only thing I have received from G.E capital / HBOS

Looks pretty poor ! Yes?

If So I will send a letter 2mrw in response if I mnage to find the right one lol

Mnay thanks,

Simon

Bazza66

Looking at this sheet closely (I only glanced over it since I was at work earlier) it seems to me to refer to a bank account since it states the initial overdraft limit will be £1000.

If it is a bank account then, my understanding, is that its not CCA as in credit card and doesnt have to have certain conditions. I'm sure someone else will clarify that.

Can you clarify what the account acually is?

Bazza

swt61

Bazza66 wrote: »

Looking at this sheet closely (I only glanced over it since I was at work earlier) it seems to me to refer to a bank account since it states the initial overdraft limit will be £1000.

If it is a bank account then, my understanding, is that its not CCA as in credit card and doesnt have to have certain conditions. I'm sure someone else will clarify that.

Can you clarify what the account acually is?

Bazza

Bazza,

It was in my wifes name & when I told her that we had received a soo called CCa ref another store card she was convinced that she only ever had 1 card that was the Priciples one I posted up last week.

This one to me looks like a store card of sorts as the account Number was
4462 8### 2### 3###.

Cheers ,

Simon

stapeley

I previously stated I was receiving a call from Car booty every day for a month. Most of the time I did not bother answering, but when I did I refused to confirm security details . Even though a previous DCA had a correct address , this one did not , not my fault. I got a reference number off a numskull , and wrote to them only using their ref no, informing them the OC and a DCA had not provided a CCA . So account in dispute and that the OC was in breech of the CC ACT by passing imformation to a third party . Do CAR BOOTY purchase account only ? Or does anyone know if they act for RBOS sometimes ? Tempted to ring them , using ref number , I have not heard from them for a least 4 weeks .

dino246

Has anybody here actually had the DCA or loan company confirm that the debt is not inforsable ?
I have heard of the DCA comming up with agreements 12 months later and then asking for the money ? is this true ??

stapeley

Yes , many times it has been taken to court but the claimant has withdrawn or not turned up . Remember that if they take 12 months to come up with a CCA they still have to get it declared enforceable in court .And once it goes past the timescale no interest can be added until it is deemed enforceable .

dino246

Then how do companies like creditissues get it written off in 4/8 months ?
There is no potential enforsable agreements by creditors after /before 12 months (after succesfully writen off)

They must be doing something slightly different as they claim that there is no recourse, and about 90 % of cases are written off.

Any ideas ?

themagics

hi got a question sent my cca requests of 27th oct so now its 12 +6 days, not sent second letters yet as was in court for summat else and got side tracked etc, anyways i have had two response from 1 dca for 2 requests saying that they have requested it from OC and also said due to recent high court ruling bla h blah once agreement terminated CCA 1974 ceases to apply,:rolleyes: so I have rang FO, ICO, OFT and they all seem to think it does but they all keep telling to ring someone else the oft said to submit compliants forms which i am in process of and also sending them to FO so my question after all that is have I left it too late to send second letters plus the 3rd cca request dca has passed the debt on again, telling my dma via telephone but not me how naughty what letter can I send them in regards to them passing it on and not acknowledging my request:rolleyes:

stapeley

Well Basically No One Has A Clue Whats Enforceable And Whats Not ! And That Includes The Idiot That Complied It !
One year on from doing three requests to different DCA,s. I have still not recieved what I understand is a True CCA and dispite sackfull of threatening letters None have taken it to court .

Bazza66

I've seen this "agreement terminated therefore CCA 74 doesnt apply" a couple of times now.

I would have thought that if the agreement is terminated then its all Null and void - i.e. its a written contract and once terminated its no longer in force. Just my opinion.

Anyone shed any light on this, what seems to be the new DCA tactic?