Cca Requests Updates Please

gargrave50

GeorgeUK wrote: »

:shhh::shhh: Don't remind them.

They are saying that the original agreement isn't available and are closing their file on this. I take it you aren't paying them?

This is good news. The debt may be passed on to someone else but until then, count the days until it's statute barred.

Thanks George - I won't tell if you won't:rotfl::rotfl::rotfl::rotfl:

I haven't been paying because it was put into dispute when they couldn't provide the CCA.

I note they haven't been sending statements (Shop Direct that is), so if they pass the debt to someone else I'll send the appropriate letter saying "naughty naughty this account was placed into dispute on xx 2009 blah blah blah". As immoral as it probably is I plan to blatantly ignore this until then - my morals are telling me to save up any spare cash to make F&Fs on the rest of my debts who are actively chasing me and can provide CCA's.:D

MS_Dolphin

I've done a quick search and not found anything, but apologies if this has been posted elsewhere. Nevertheless, I thought it still worth putting here for all those who are going through multiple hoops with CCC's:

From BBC News today

http://news.bbc.co.uk/1/hi/business/8282264.stm

catwoman150

MS_Dolphin wrote: »

I've done a quick search and not found anything, but apologies if this has been posted elsewhere. Nevertheless, I thought it still worth putting here for all those who are going through multiple hoops with CCC's:

From BBC News today

http://news.bbc.co.uk/1/hi/business/8282264.stm

Thats a very interesting article. It just shows what can be done about this.

stapeley

Just seen the news clip . Confirms what I have been saying NO SIGNED CCA , NO ENFORCEABLE DEBT .

jerry_dean

can a temporary charge on my house be taken out on a PG if the bank have tried to serve a summons to a wrong address

Broken_hearted

stapeley wrote: »

Just seen the news clip . Confirms what I have been saying NO SIGNED CCA , NO ENFORCEABLE DEBT .

Yet the hassle continues.

blueforyou

hariboh wrote: »

Thanks again Natter

I have already sent dispute letter on the 4th August.

I will need to send them something or they will start phoning my work again :mad:

Hariboh - they should NOT be phoning you at all, let alone your workplace. Please see the various letter templates in this thread re harrassment (because that is what it is). For the sake of a few letters, I now get ZERO phone calls.

Ita all about having things in writing - and a lot of OC's and DCA's hate putting things in writing - mostly because what they say is rubbish and they know it.

Let us know if you want any help.

scarednshakin

scarednshakin wrote: »

Looking for a bit of help please. Having asked for CCA from cc companies have received back from Clydesdale and Monument. Monument have sent back a copy of a rapid reply card which has signature on and also enclosed a copy of terms and conditions, these are the up to date T&C as they have late payment fees etc at £12. This account was opened in 2003.

Clydesdale have sent a signed application form and states in the letter that they have sent the T&C from 1999 when account was opened. Reading the T&C they also have late payment fees etc of £12. Are these agreements enforceable? Also both T&C have address that I stay at now not the address I stayed at when accounts were opened. Thanks for any help/advice you can give

Ok update on Monument they have sent out a letter today. I had replied to them saying that the debt was unenforcable and gave 14 days for them to reply. The response is @We wrote to you on 28 July 2009 and enclosed for the purposes of section 78(1) of the Consumer Credit Act 1974 (a amended) (the CCA) an executed copy of your agreement with us. We do not agree with you that the copy we provided does not comply with our obligations under section 78(1) for the following reasons:

1. Section 78(1) does not require us to provide you with an exact copy or photocopy of the agreement you signed. We are not required to provide you with a copy showing your name or your signature and no section of the CCA imposes upon us to retain or produce a copy of your agreement showing your signature.

2. Section 78(1) requires us to provide you with a copy of your agreement which looks like the one you signed but which has been updated to contain the terms and conditions which currently apply to your agreement (rather than those which applied at the time you signed the agreement). The copy we provided you with, is in the appropriate format and does include all of the current terms of your agreement with us.

It then tells me I have 8 weeks to respond to this reply. Right can someone help and tell me what I write back to them?? All they have sent out to me is a rapid reply card and a copy of current terms. Any help would be great.

scarednshakin

Bump please

pebbles88

scarednshakin wrote: »

Ok update on Monument they have sent out a letter today. I had replied to them saying that the debt was unenforcable and gave 14 days for them to reply. The response is @We wrote to you on 28 July 2009 and enclosed for the purposes of section 78(1) of the Consumer Credit Act 1974 (a amended) (the CCA) an executed copy of your agreement with us. We do not agree with you that the copy we provided does not comply with our obligations under section 78(1) for the following reasons:

1. Section 78(1) does not require us to provide you with an exact copy or photocopy of the agreement you signed. We are not required to provide you with a copy showing your name or your signature and no section of the CCA imposes upon us to retain or produce a copy of your agreement showing your signature.

2. Section 78(1) requires us to provide you with a copy of your agreement which looks like the one you signed but which has been updated to contain the terms and conditions which currently apply to your agreement (rather than those which applied at the time you signed the agreement). The copy we provided you with, is in the appropriate format and does include all of the current terms of your agreement with us.

It then tells me I have 8 weeks to respond to this reply. Right can someone help and tell me what I write back to them?? All they have sent out to me is a rapid reply card and a copy of current terms. Any help would be great.

hiya,

i had similar from reply from another bank when they were stalling (they have admitted they dont have enforceable copy).

the only way you could find out for sure is to do a Subject Access Request, it costs £10 but they then have to send you what they have..

sometimes you just have to do the dance with them to get where you want, its a pin in the backside though, if they still refuse to send you the correct copy after your SAR then contact the information comissioner