Cca Requests Updates Please

blind-as-a-bat_2

Eupho wrote: »

Well.. After requesting my CCA from Barclaycard.. and only getting two pieces of junkie T&Cs rubbish back.

I am planning to send them this.. But should? .. I mean really, they haven't sent me what I asked for have they.. so doesn't that come under the 'Unenforceable' (until they do) .. thing?...

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Dear Sir/Madam,

Regarding my Consumer Credit agreement request:

Thank you for sending me the two photocopy sheets of the Terms & Conditions of my account when I opened it with you. I understand from your letter, that you will also be sending me a statement and the updated terms and conditions as they stand on the account at this time. Thank you for this.

In the original CCA request letter I wrote you, I requested a true copy of my original signed agreement. Which I still do not appear to have been sent. Can you please send this to me as soon as possible.

As you are aware, I have already paid you the £1 fee for this.
I look forward to receiving your reply.

(please stop me from sending this if you think I am wrong.. I AM still learning all of this.. and am fumbling around haha!)

:wave:

They will just quote 3.(b) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations1983 saying they dont have to send a signed copy.

As i said you want to reject it on the argument of legabilaty, and that there is nothing to substantiate the claim it is a 'true copy' of the agreemant you would have signed, as there are no dates or any other indication of when it was published therfore you hold them to strict proof it is;)

Even a true copy is supposed to bear your account number and the adress of the debtor and creditor, as reqired by the Consumer Credit (Agreements) Regulations 1983;)

A signed copy of the organal would be acceptable as proof

rog2

maz1964 wrote: »

also they are an american company and they told me that - as if i was supposed to be what frightened of that remark,,,,,

Said the same to me, maz - one guy even told me that, as they were an American Company, they were not subject to UK legislation. :rolleyes:

Eupho

rog2 wrote: »

Please do not send that letter, Eupho. If 12 working days have passed since their receipt of your cca request then they are 'in default' and you can send the '12+2' day letter that you will find on post 6 of the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=963087

If the 12 working days have not yet elapsed, then you must wait until they have before sending the 12+2 day letter.

Phhewwwwww! I'm glad I asked here first..
Honestly, I'm like a flippn loose cannon.. :rotfl:

Thanks Rog! :T

Eupho

blind-as-a-bat wrote: »

They will just quote 3.(b) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations1983 saying they dont have to send a signed copy.

As i said you want to reject it on the argument of legabilaty, and that there is nothing to substantiate the claim it is a 'true copy' of the agreemant you would have signed, as there are no dates or any other indication of when it was published therfore you hold them to strict proof it is;)

Even a true copy is supposed to bear your account number and the adress of the debtor and creditor, as reqired by the Consumer Credit (Agreements) Regulations 1983;)

A signed copy of the organal would be acceptable as proof

Thankyoooo.. :wave: (I like your sig! :rotfl:

How about if I just write.

Dear Sirs,

The fact that you dodged out of sending me a signed copy of my CCA.. has been noted

Eupho x

blind-as-a-bat_2

Eupho wrote: »

Thankyoooo.. :wave: (I like your sig! :rotfl:

How about if I just write.

Dear Sirs,

The fact that you dodged out of sending me a signed copy of my CCA.. has been noted

Eupho x

I like it:p but i would add 'has been noted, but not accepted';):rotfl:

Eupho

blind-as-a-bat wrote: »

I like it:p but i would add 'has been noted, but not accepted';):rotfl:

:rotfl:
I tell you what! It was lucky I came and posted here about the letter I was going to send.
It was in my bag.. ready to go to the PO.. After I asked here.. I took it back out.. (thankfully!).. Because I had addressed it to the wrong creditor! _pale_ :rotfl:

Weekend_warrior

Hi all,
Just an update, Last Month I was being hassled by krapquest over what I believe were ancient debt's.
I followed the advise given on this thread and sent the "prove it" letters by recorded delivery ( which as normal weren't signed for).
To date I haven't received any letter in reply to my prove it letters which were sent 30 days ago.
I have however been receiving letters about the same debts offering initially a reduction in the amount owed , this letter was followed up 5 days later by letters for the same debts offering a 70% discount if I settled within 30 days.
What do I do now?

W.W.

blind-as-a-bat_2

Eupho wrote: »

:rotfl:
I tell you what! It was lucky I came and posted here about the letter I was going to send.
It was in my bag.. ready to go to the PO.. After I asked here.. I took it back out.. (thankfully!).. Because I had addressed it to the wrong creditor! _pale_ :rotfl:

Priceless:rotfl::rotfl::rotfl:

Your not on your own though, i have had to open a batch of envolopes all prepared to go to make sure i had put the right letter in the right one, which i hadnt:o:p:rotfl:

blind-as-a-bat_2

Weekend_warrior wrote: »

Hi all,
Just an update, Last Month I was being hassled by krapquest over what I believe were ancient debt's.
I followed the advise given on this thread and sent the "prove it" letters by recorded delivery ( which as normal weren't signed for).
To date I haven't received any letter in reply to my prove it letters which were sent 30 days ago.
I have however been receiving letters about the same debts offering initially a reduction in the amount owed , this letter was followed up 5 days later by letters for the same debts offering a 70% discount if I settled within 30 days.
What do I do now?

W.W.

Nothing, i am fairly sure they got your letter;)

If it makes you feel better, in the eyes of a court proof of postage is usually enough anyway.

If they are stat barred, you dont need to worry, but if you start getting threats, post again;)

rog2

Weekend_warrior wrote: »

To date I haven't received any letter in reply to my prove it letters which were sent 30 days ago.
I have however been receiving letters about the same debts offering initially a reduction in the amount owed , this letter was followed up 5 days later by letters for the same debts offering a 70% discount if I settled within 30 days.
What do I do now?

As Bat says, ignore the letters - for now at least. If they keep sending demands you can report them to Trading Standards/OFT.