Cca Requests Updates Please

in2deep_2

They do not need to send the actual signed copy for a CCA request...but they do if you send for a full SAR request.

trish2568

i requested a sar from barclaycard and cap1 and never received a copy of the signed credit card agreement.should i have?barclaycard have only gave me statements dated back to 2007 even though i sent a sar request

in2deep_2

An SAR request should of given you everything sounds like they don't have the original signed agreement,and should be enough for you to put the account into dispute.

chinawhite_2

chinawhite wrote: »

Hi,
have just returned from a week away with relatives expecting to find some interesting post but have received absolutely nothing !!!! so that means that the only CCA reply letter i have had off anybody is the one from egg (on photobucket), the time limit was up on 24/25 August for all of them.

Should I now send the 12 + 2 letter or am i getting confused (that really isnt difficult for me!!!!!!!!!!!!!!)

Also, to ROg2, I wondered if you had any views yet on the egg agreememt i posted ?? I know you have loads of requests and thanks for looking , regards CW

Hi, i guess this is a bit of a "bump", but I also have another (yes, another !!) question : I have now received a signed CCA from RBS, it has three pages and on the signature page has customer, purpose and amount of credit, total credit and total charges and interest rate, number of repayents, and charges on default (which it basicallys states will be banks expenses incurred in enforcing agreement). Again, this looks fine to me but I would be extremely grateful if some kind person could just confirm that this is so ??????????

Many many thanks, CW:D

Jesthar

Hey guys,

Could I request someone check out this thread for me?

http://forums.moneysavingexpert.com/showthread.html?t=1835131&page=4

The guy put a CCA request in a few weeks ago, but the 12+2 letter didn't get sent, then a couple of weeks after the 12+2 date a reply arrive containing what I *think* is no more than a photocopy of the application form, not a valid CCA. Not my area of expertise, though, so a couple of questions:

1. Is the document not a valid CCA, as suspected?
2. Even if it was, because it arrived after the 12+2 deadline, would it be considered in dispute anyway, despite the 12+2 letter not being sent?

Thanks, people!

~Jes

gargrave50

gargrave50 wrote: »

Bazza, thanks for the reply. I hadn't actually considered this - interesting point. Should I include reference to this in the letter I'm planning to send? (see above post)

Also, I haven't ever signed my name to any of the letters I've sent re: CCA or payment offers. I have instead initialled them.

However, the agreement they sent to me reminds me of some purchases I made around this time. E.g. Our new TV was purchased via them on 0% for 52 weeks and I recall them sending out a credit agreement to be signed for this item in particular? Not sure if this has anything to do with what they have sent me.

Also from memory I recall them writing to say they were changing everyone's account numbers - could they have sent out new CCA's for signature around this time. And if so, and I have signed one - does that mean I am gubbed?

Going up to the attic tonight to search out my oldest statements for Choice to "prove" the account opening date is wrong. All advice appreciated thanks:o

Hi All,

Just wondered before I merrily send off my letters - if someone could answer the point above. If I have signed a CCA for a specific item on extended 0% terms does that apply to the entire account of just one specific item. This is around the time we originally bought a TV from them. Thanks in advance - hope I'm not gubbed here:rolleyes:

gargrave50

Ooh I remember as well possibly around this time that they were changing their account numbers over and we were all issued with new account numbers. If I signed a new CCA at this time - am I stuffed? Thanks

stapeley

gargrave50 wrote: »

Ooh I remember as well possibly around this time that they were changing their account numbers over and we were all issued with new account numbers. If I signed a new CCA at this time - am I stuffed? Thanks

YES , if it complies with all the terms laid out in the CC ACT . What ever these companies say about supplying terms and conditions that were current at the time , if they do not hold a copy with your signature , they should not be able to enforce the debt . If they tried to take it to court they would need to produce the original signed agreement . And my experience is that very few companies will still have these . What they may have is copies of application forms and in some cases very poor copies of agreements that have been put on microfilm and are not able to scan or reprint very well . These would not be good enough for the courts.

gargrave50

Thanks Stapeley, sorry to sound dim but I've just finished nightshift! The agreement they have sent me I've scanned and uploaded to photobucket (my post with this link are on page 195). This agreement I believe is what they sent me around the time they changed my account number. Does this make the entire account enforceable, as this is not the ORIGINAL executed agreement. Or - are you agreeing that without the original agreement its not enforceable.

The copy they sent me looks enforceable, but certainly is not the ORIGINAL. Thanks Stapeley, sorry for being so dim

stapeley

As with renewing any contract , if you sign and date , any terms within this new contract become valid. Alot of companies realised , abit late in the day , that they wer sitting on unenforceable debt . They sent out new cards and new CC Agreements , asking that they be signed and returned to them. If you were amoug the few that bothered signing and returning these new CCA then they are enforceable .