Cca Requests Updates Please

rigger_john

Gemmzie wrote: »

Any ideas? They are wrong about the making payment aren't they?

I think this may be what you need, make sure you, you read the whole post as parts of it no longer apply

Gemmzie

rigger_john wrote: »

I think this may be what you need, make sure you, you read the whole post as parts of it no longer apply

Thanks, so the after one month becoming an offence part doesn't apply but the rest does?

rigger_john

As far as I am aware the rest of the letter is sound, if I am incorrect in that assumption I am sure sombody who is better informed will come along. I think the GeorgeUK wrote the letter so maybe he is the relevent expert.

Any comments GeorgeUK?

blueforyou

Gemmzie,

The " after 30 days its an offence" line is GONE. Don't use it.


CL Finances/HSBC reply is rubbish. The only one who could possibly enforce payment is a Judge, who should ask for the original CCA in any case.

Good luck!

Gemmzie

Hi, thanks blueforyou I thought that was the case.

Shall send that letter off on Monday.

rog2

Gemmzie wrote: »

Any ideas? They are wrong about the making payment aren't they?

They are totally wrong - not just about making the payments, Gemmzie.

Don't worry about the fact that they have returned the £1 Statutory Fee - they are, now, in default and can not enforce the agreement without the permission of the Courts.

As already advised, send them the 12+2 day letter and ignore any further calls, or letters, from them unless they actually send you the cca.

georgiasmum

I received a letter today from our friends in Stockport after sending the in dispute letter. They have now asked me to outline my complaint to them after I already explained that they are the 4th DCA to deal with this and still no one has supplied a valid cca. Is this just a bluffing tactic?

blind-as-a-bat_2

georgiasmum wrote: »

I received a letter today from our friends in Stockport after sending the in dispute letter. They have now asked me to outline my complaint to them after I already explained that they are the 4th DCA to deal with this and still no one has supplied a valid cca. Is this just a bluffing tactic?

Yes, this is a tactic i have used, sending the new DCA copies of the letters of the previous DCA's admitance they cannot comply with the CCA so have closed the file and returned it to the OC.

Its worked with Next (sent to moorcroft followed by Roxburghe) and Argos (sent to moorcroft followed by buchanan clarckand wells) so far:D

Oh and a letter from JD wiliams, saying they had no agreemant, which i sent to moorcroft worked too:p

blind-as-a-bat_2

We've finally got a letter back from CL Finance, and a £1 cheque for our fee () saying.........

:
We have been in contact with our predecessors, HSBC Bank PLC, who have advised that this document is unavailable. This does not make the agreement illegal or void. Monies owing under the agreement are still due.
You have made payment towards this account. This indicates an acceptance of the terms and conditions of the agreement.

Any ideas? They are wrong about the making payment aren't they?

The only bit of that wich is true is this bit

We have been in contact with our predecessors, HSBC Bank PLC, who have advised that this document is unavailable. This does not make the agreement illegal or void.

as that is in the wilson Vs trust verdict

And

You have made payment towards this account. This indicates an acceptance of the terms and conditions of the agreement

is rubish as rog has said, payment does indicate you may have agreed to some terms and conditions, but how can the prove what they are:p:rotfl:

But watch this one, CL finance are known for issueing court claims to 'Scare you' into paying, they rarely follow through, either they discontinue or just dont turn up for any hearing, but its unlikely they would get to a hearing on this one;)

Gemmzie

rog2 wrote: »

They are totally wrong - not just about making the payments, Gemmzie.

Don't worry about the fact that they have returned the £1 Statutory Fee - they are, now, in default and can not enforce the agreement without the permission of the Courts.

As already advised, send them the 12+2 day letter and ignore any further calls, or letters, from them unless they actually send you the cca.

They've had the 12+2 letter Rog, this was their reply.