Cca Requests Updates Please

kel123_2

I have sent an application form back to Lloyds because they hadn't signed it but in their blurb they say if it's signed by us and you receive a card then this consitutes an agreement but how can you make the judgement if there is no t&c

momo1975

is there a specific letter to send back to them?

kel123 wrote: »

I have sent an application form back to Lloyds because they hadn't signed it but in their blurb they say if it's signed by us and you receive a card then this consitutes an agreement but how can you make the judgement if there is no t&c

kel123_2

Not that I know of. On my thread are the letters I sent 'claiming back and cca diary' You have to play it as you see it.

momo1975

kel,

can you post the link for me?

thanks

kel123 wrote: »

Not that I know of. On my thread are the letters I sent 'claiming back and cca diary' You have to play it as you see it.

rog2

momo1975 wrote: »

is there a specific letter to send back to them?

I don't think that there are any specific template letters available, momo, as, when it gets to this stage there will be individual circumstances to take into account.
You could always ring National Debtline - 0808 808 4000 - who will be happy to advise on the 'content' of any such letter.

kel123_2

It should be high up on the list because lloyds TSB love me again LOL

momo1975

just got his from someone on CAG:

gonna send its quite good actually!!



Dear Sir,




Thank you for the reply to my letter dated XX/XX.2008.


Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns

The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations

As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it. Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible

Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to canceling this account and reducing the balance to zero. Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974. I am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request


Yours Sincerely

stapeley

Please post reply when received , cheers

suz7

I received a letter from Apex today. Hadn't heard from them since December (when they were calling themselves Buchanan, Clark & Wells). I have two CCA requests with them from two different creditors.

It looks like they've just noticed my account is in arrears ? probably because I haven't made a payment since I requested the CCA at the beginning of March. I have done them a little letter reminding them of my request - which I don't think I had to do but I can't help myself lol.

Sue

momo1975

of course:-) watch this space!

stapeley wrote: »

Please post reply when received , cheers