Cca Requests Updates Please

fairydiamond

What if an account was opened online? I think there was a cut off date for when CCAs are no longer needed. Can anyone give me the info? Trying to help my mother-in-law-to-be out of a fine mess.

Merlinexcalibur

Never too sure about that myself. Ages ago, I was told it was around end 2004
when the electronic signature thing became valid. Or could be sometime in 2007.

fairydiamond

Thanks, Merlin. I thought as much. She'll have to pay for her catalogues, but I told her that anyway!!! Nothing is free, why do people think they can get out of it, I don't know?

Merlinexcalibur

Found this down on page 4 so bumping it for anyone who may find it useful.

plim26

Hi,
Sorry to jump in on this thread but wondered if someone can give me some advice on what to do. Sent off a CCA request got it back in the post today but they have sent me a standard credit agreement without my signature on it!! where do i go next is their another letter i can send them or shall i just do a SAR letter? Any help would be great!!

Merlinexcalibur

Bumpitty bump.

Sent off a CCA request got it back in the post today but they have sent me a standard credit agreement without my signature on it!!

What I'd suggest you do is scan (obviously removing personal data eg addressess) then copy onto somewhere like imageshack so others can see the agreement. It may be blank, but ... as you may have read on this thread, it does depend what year you took it out as to whether it's a) valid b) enforceable even without the signature.

Lastly, if you can provide the year, if you can remember how you applied for it eg online, application form, over the phone. Because it may matter for example.

where do i go next is their another letter i can send them or shall i just do a SAR letter? Any help would be great!!

No, no SAR, that is for another process/stage entirely. And is separate to the CCA process. You'd need to give more info like I suggested, then we can offer more help but don't do anything until you have had that advice from people here. Just to get you started and tailored advice and so on can be provided for you.

Oh and do please reply only I noted you've done this on other threads on MSE and received no replies for example.

Coffeetime

natters wrote: »

Me again! - had a letter back from Cabot today, returning the postal order and saying
"The Cabot Financial group is not obliged to provide this information but we are pleased to help and have already requested the documentation for you from the original lender.
Cabot Financial does not accept the statutory fee required under section 77 and/or 78 of the consumer credit act 1974 and as a result Cabot has returned the fee of £1.00 that you have sent."

My understanding is that is all hogwash and as they are asking for payment - they are required to send the information.

So assuming a CCA does not turn up in the required timeframe I send the 12 + 2 to them even though the payment has been returned?

Its Cabots standard reply Natters, they have quite a few templates. lol.

plim26

Hi, Imageshack didnt upload so just cut and paste, its not very clear so dont know if you will be able to read it. Think I took it out around 2006/7. Sorry cant remember if it was online or by post.

pebbles88

Merlinexcalibur wrote: »

Bumpitty bump.



No, no SAR, that is for another process/stage entirely. And is separate to the CCA process. You'd need to give more info like I suggested, then we can offer more help but don't do anything until you have had that advice from people here.

I was advised to do a SAR as a certain nasty... company sent me utter tosh that was not applicable to me for my cca request....

i was advised to do the SAR as they have to send me everything then....

Merlinexcalibur

Hello, again. Confess to not seeing one like that before but mine are older. So can't tell if it's a 'pre application' or a proper agreement. By pre I mean anyone who filled in their leaflets to submit for credit assessment. Before they gave you a card for example. I can see, though, only their signature. Okay, others here will obviously help you with the minutae. Also, who is the creditor, I can see the name in the corner but, like you say, not very clear. You could try Photobucket I suppose?

Thanks for the SAR correction. I was meaning, really, to not do anything until others had advised. I know what you mean, though, about 'nastys'. SAR is not something I've done you see so was a bit unsure. Sorry for the confusion.

Well I killed this thread didn't I. Cursed!