Cca Requests Updates Please

Princess_Leia_2

Hi, I'm new to this so bear with me!
I requested my CCA from Halifax Credit card on 13th Nov and today 17th December!! I rec'd a response!!

Halifax sent me a cover letter stating my balance, credit limit, interest rates etc.. and 2 credit card agreements exactly the same. Neither of which have my signature on them. They look like just standard agreements - not the original agreement I asked for.

They also have quoted at the bottom of the covering letter:

"Please note that the information we have provided you with is all the information we are required to provide you with under section 78 of the Consumer Credit Act. Please also note that we are not required to provide a copy of the original signed agreement under section 78 of the Consumer Credit act"

Is this correct? What should I do next!!?? :huh:

Many thanks in advance!

stapeley

Write back and say a true SIGNED copy would be acceptable .

Bazza66

Princess_Leia wrote: »

"Please note that the information we have provided you with is all the information we are required to provide you with under section 78 of the Consumer Credit Act. Please also note that we are not required to provide a copy of the original signed agreement under section 78 of the Consumer Credit act"

Strange because section 78 states :

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

Unless they are using the "(if any)" which means they dont - but no CCA ......

Like stapley says - write back. There is a template (on this thread i think) of letter to send when CCA not valid.

dino246

Any assistance with my questions ?

Princess_Leia_2

That's great, will send off next letter!! Thanks alot for your replies!

blueforyou

blind-as-a-bat wrote: »

No need for a second CCA section 175 of the CCA act states they should have passed it on to Lloyds

As to who you send the 12+2 notice to i would say Lloyds, but amend to reflect the above and there agents failure to follow it

Hello, just to be clear then, I've recieved two letters from DCA's that say "we are no longer dealing with this account" and ask me to contact the Original lender for the CCA. I send them the 12+2 letter?

Many thanks- and what a wonderful thread!!

stapeley

Glad it helps .

blind-as-a-bat_2

Sorry i have not been around, been a bit busy [STRIKE]winding up[/STRIKE] negotiating with my OH,s creditors, but I had to share this part of my nice letter i am thinking of sending littlewoods Who have just sent me SEVEN default notices, even though my OH only has one agreement with them, and an unenforceable one at that

you claim the Default notice are served under section 87(1) of the Consumer Act 1974 regrettably there is no such legislation, so the seven default notices are not worth the paper they are written on, as the legislation you quote doesn’t exist.



Now you may find your default notices carry more weight if they are served under section 87(1) of the Consumer CREDIT Act 1974

And they tried so hard to get those default notices correct too:p :rotfl:

I may have some intresting info re littlewods agreemants because of all this, but im still checking the details to see if im right, will let you know if the outcome is usefull;)

swt61

Hi all, Wel I have just received 2 letters froma company called CL Finance Ltd and they ghave sais that the Halifax Loan account & the Credit card account have been sold on to them,

I had not acted on the stuff that the halifax had sent me yet that is posted on here can anyone advise what I can do plesae?

Also BLS are chasing now for payment but they told me when I cca requested them that i had to ask LLoyds which i did & they have not come up with a CCa as yet it been quite a while now,What can I write to these also?

thanks,

Simon

Broken_hearted

Halifax has sold a lot of debt on, someone think it was rog said they had to get rid of as much bad debt as possible.
Our has been sold on despite their being no CCA, so we have reported them to trading standards and FOS. Not sure where thats left us now, so saving payments in the bank till its sorted.