Cca Requests Updates Please

nova

OMG! lm doing my own head in! lm must be doing yours aswell!!! Sorry!!

1) Cohens put a claim through mcol
2) Aknowledged claim, and put in part admission, filled in section 11, making offer etc.
3) Next, letter from cohens saying "as you know, you have ccj entered against you" We had nothing official from court so rang northampton who said nothing had been registered there.
4)Had an AQ to fill in from our local county court which we filled in and this is where it has been struck out as cohens didnt fill in their AQ apparently.

Does this make it clearer or worse!!

10past6

Have you received WRITTEN confirmation from the court the case has been struck out?

Icanandwillsavemoney

rog2 wrote: »

Sorry for the delay - I think that the following post may be most applicable:

http://forums.moneysavingexpert.com/showthread.html?p=7869437

I have maged to scan the document but not sure how it will come across. Link below

http://s583.photobucket.com/albums/ss279/smiler175/

I am struggling to understand if the prescribed terms are there and if I can take the next step.

Could someone please check it for me or guide me in the correct terminology??? I know that it should have interest rates, Repayments and a credit limit. The credit limit sectionis very woolly, the interest rates are generic and the repayment section is huge!!!

Thanks again for your help.

pebbles88

Icanandwillsavemoney wrote: »

I have maged to scan the document but not sure how it will come across. Link below

http://s583.photobucket.com/albums/ss279/smiler175/

I am struggling to understand if the prescribed terms are there and if I can take the next step.

Could someone please check it for me or guide me in the correct terminology??? I know that it should have interest rates, Repayments and a credit limit. The credit limit sectionis very woolly, the interest rates are generic and the repayment section is huge!!!

Thanks again for your help.

Hi,

looking at it, it seems very much like a leaflet, that anyone could have really. its hard to read but i could not spy a specific credit agreement on it either. i think it may just be a generic leaflet.

10past6

Icanandwillsavemoney wrote: »

I am struggling to understand if the prescribed terms are there

That's because they're not there

Where's the rest of the document, the front part showing your name / address etc., etc.,

*Delete your personal details before posting*

lipstick

Thanks Bazza have u heard from them since they couldnt find the CCA?Also do u count the 12+2 days from the day the letter is sent or the day the letter is received?

Thanks

Icanandwillsavemoney

10past6 wrote: »

That's because they're not there

Where's the rest of the document, the front part showing your name / address etc., etc.,

*Delete your personal details before posting*

Front part...... that's it!!! I have copied the front and the back. My heart has leapt a little ..... do I get to send the 2nd letter that puts the account in dispute???

10past6

What they've sent you could apply to any Tom, !!!!!!, or Harry.

You want the agreement that applies to YOU

Icanandwillsavemoney

10past6 wrote: »

What they've sent you could apply to any Tom, !!!!!!, or Harry.

You want the agreement that applies to YOU

Right... hmmmm.... so I have sent a CCA ad they have not complied, they have until Friday to send the correct info then time is up. They s on their letter that they have fullfilled their obligations and that the doc you have just seen is all they have to provide.

I have also requested my SAR although there will not be many charges - less than a 10 as I called them asap to go on a payment plan. But, the letter I sent stated quite clearly that I wanted a true copy of the executed agreement.

What should I do next? Should I send the Dispute letter on Monday?

Thank you so much for helping me understand all this - it really is an education!!

10past6

Icanandwillsavemoney wrote: »

What should I do next?

Nothing

If you've sent a SAR, part of that request is they supply a CCA

Wait & see what they send back.