Cca Requests Updates Please

rog2

longforthesun wrote: »

Hi all I posted a CCA requested to Lloyds on the 11th August. I sent this recordred but so far it is not showing as been received nor has my chq been cashed. Now i know it is only the 17th so may take a few days still but when do i start counting my 12 +2. If I can not get proof from my recorded delivery (I have had this before with lloyds they did receive my letter but post office had no note of anyone signing the letter) do i wait till they cash my chq or just take it from the 11th.

Once you have proof that your cheque was cashed you will have proof that the letter was, in fact received - you can, reasonably, assume that the letter was received two working days after you posted it.

magoogy

thanks - i feel better now knowing i am ok.......fingers crossed but not heard off any dca in a couple of weeks...

thanksall

get_me_out

Hi

Hubby has sent a letter to capquest asking for a copy of his cca from the Clydesdale bank re his mastercard opened in 1999. Debt has been with 2 other companies prior to capquest. Going back to 2002.

They have wrote back saying the Clydesdale have said if he goes into branch with 10.00 they will provide copy statements.

What do I reply to them?? We don't live anywhere near a branch now down in England. Surely it's upto them to provide CCA not just copy statements.

Any advise please?? I've just gone BR so need to help hubby now to get this sorted out.

longforthesun

Sorry to ask but I cant find the naswer. Is the 12 + 2 working days?

fiveyearplan

yes, working days.

fiveyearplan

get_me_out wrote: »

Hi

Hubby has sent a letter to capquest asking for a copy of his cca from the Clydesdale bank re his mastercard opened in 1999. Debt has been with 2 other companies prior to capquest. Going back to 2002.

They have wrote back saying the Clydesdale have said if he goes into branch with 10.00 they will provide copy statements. Thats absolute rubbish! You're not asking for statements but a true credit agreement. Did you husband use the template letter?

What do I reply to them?? We don't live anywhere near a branch now down in England. Surely it's upto them to provide CCA not just copy statements. Don't reply to them. Do everything in writing.

Any advise please?? I've just gone BR so need to help hubby now to get this sorted out.

They're trying it on. Did your husband send #1.00 postal order, use the template letter and whatever he does do not sign the letter just write his name - they have been know to scan in signatures.

blind-as-a-bat_2

get_me_out wrote: »

Hi

Hubby has sent a letter to capquest asking for a copy of his cca from the Clydesdale bank re his mastercard opened in 1999. Debt has been with 2 other companies prior to capquest. Going back to 2002.

They have wrote back saying the Clydesdale have said if he goes into branch with 10.00 they will provide copy statements.

What do I reply to them?? We don't live anywhere near a branch now down in England. Surely it's upto them to provide CCA not just copy statements.

Any advise please?? I've just gone BR so need to help hubby now to get this sorted out.

They are taking that the statement "obligation also extended to providing a statement of account " as wanting all your statemants, oh dear
:rotfl:

I would be tempted to just ignore it, you have asked for a copy of the CCA and obligation also extended to providing a statement of account and that is what they must supply end of

Just carry on and issue notice of default after 12+2.

bet they will bring it up again but its just incompatence, stupidity or a smoke screen IMO

rog2

longforthesun wrote: »

Sorry to ask but I cant find the naswer. Is the 12 + 2 working days?

Just to clarify, lfts:

it is Twelve Working Days - the +2 is to cover for non-working days (i.e. Sundays) It is NOT 14 working days.

get_me_out

fiveyearplan wrote: »

They're trying it on. Did your husband send #1.00 postal order,Yes postal order sent and letter sent recorded delivery. use the template letter and whatever he does do not sign the letter just write his name - they have been know to scan in signatures Yes used that template and just typed name, they reply saying they are holding account for 28 days while they get the information. Even asked me to send them proof of statement that we last paid on (not likely as don't have it).

So I will just sit and wait the 12+2 working days and send second letter. Thanks for your assistance everyone. Things some companies will try :rotfl:

stapeley

stapeley wrote: »

Interesting development with Clap quest . They have sent a four page summary of the fully history of my account to date . They are so helpful !
It points out dates of letters and so called arrangements on the account . It does not mention the many intimidating phone calls pressurizing me to agree to unrealistic payments . It also refers to consumers reading websites that in there words " that encourage and advise people to request copy agreements and any related documentation in and attempt to delay any collection activity on the account or evade their debts altogether ."
At the end of the letter they write . " We are unable to hold your account indefinitely and it would seem are unable to resolve this matter with yourself . Therefore you may wish to refer your complaint to the F O S within six months of this letter."
The main complaint is they have only supplied a copy of a application form, the terms and condition that they say apply to the account are on separate pages . There is no way of being certain they are within the four corners of a document as required in the C C ACT . The battle goes on !

It is no good me getting F O S involved , they will not make a legal judgement on if a agreement is enforceable or not ! I do not think it is , they say it is . Its their MOVE ! All i will do now is give them details of my financial situation , which will show I have no excess monies and have no assets . So will they waste there money going to court ? Very doubtful !