Cca Requests Updates Please

shinyhead

Sorry Stapeley,
Might have sounded a bit cryptic- What I was trying to say is your DCA and ROS could well be one and the same.

compulsivespender79

About time for an update I feel!

Here goes:

30.01.08: CCA request posted to Lowell Financial
19.02.08: 12+2 days passed, reminder letter sent
20.03.08: Lowell send my application form, with not a whiff of the Consumer Credit Act prescribed terms about them. (AND LATE!)
05.04.08: I send a letter telling them they have not provided a true CCA
06.04.08: They write to me threatening litigation
10.04.08: I send another letter telling them they have not provided a true CCA
14.04.08: I write to OC asking for statement of charges applied to original credit card!
14.04.08: I send an official complaint to Lowell about their persistant phone calls.

Guess what, just to p*ss Lowell off even more I'm going to reclaim £600 worth of charges!

stapeley

Doubt if you,ll have any luck gettin money back , but its good no CCA . With claiming money back from CC COMPANIES I believe you need to not be indefault .

fermi

stapeley wrote: »

Anyone had deallings with ROS solutions?

Any more info than that stapley?

I can't find any info on them. Not even on the ICO's Data Protection Register which normally lists even "in house" DCAs.

Cleosmum

I have requested CCA from Welcome - They have sent half and admitted they cant copy in full as they have shredded it.

And requested from Capital One, recieved today well past the 12+2+30, but it seems to be to the prescribed terms. They were very naughty though, and dated the letter within the time frame required, so I have kept the franked envelope (as I usually do) to show the post date. I was surprised to find that my CCA includes front loaded interest, is that normal?!

stapeley

fermi wrote: »

Any more info than that stapley?

I can't find any info on them. Not even on the ICO's Data Protection Register which normally lists even "in house" DCAs.

Just got a letter from them see post 109 , expecting a notice of court action . But as I pointed out to DCA FORM they sent is eligable. Cant afford any payments to anyone , so its wait and see!

fermi

Ah! EOS! I have heard of them, but not much.

EOS SOLUTIONS UK PLC

momo1975

Ok update time.

!st credit have today sent me a photocopy of the credit card application form. it has not been signed by the creditor (Halifax bank) it is only stamped with 'recieved' with a signatre next to it no where near any part of the agreement section towards the bottom. it actuallty also has an old address pre-printed only adtional info that has been filled in by hand is first name, phone number, job title, salary and a date and sorta signature.

Does this constitute a Consumer Credit Agreement??

While they have sent it there is no date on the enclosed letter and it wasnt even sent recorded delivery so if this is a Credit agreement then i might never have actually recived it...

where do i stand now??

Thanks momo1975

compulsivespender79

stapeley wrote: »

Doubt if you,ll have any luck gettin money back , but its good no CCA . With claiming money back from CC COMPANIES I believe you need to not be indefault .

Stapeley, I've popped over to the Consumer Action Group forums and asked the people there if that's true - the answer was a resounding 'no' - I even had a reply from someone who had defaulted and successfully reclaimed the charges.

On the CCA request front; I have no sent copies of all correspondence and a telephone call log to my local Trading Standards, so we'll see what fun that brings!

cs

fermi

compulsivespender79 wrote: »

Stapeley, I've popped over to the Consumer Action Group forums and asked the people there if that's true - the answer was a resounding 'no' - I even had a reply from someone who had defaulted and successfully reclaimed the charges.

You should be able to claim back unlawful "penalty charges" irrespective of any CCA or default. So I would agree with CAG there.