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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
14th February 2008, 21:52
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#1 (permalink)
| | Gold Account Customer
I am in: Deepest Darkest Derbyshire
Posts: 660
|  GE Money help with a CCA reply
Hi everyone,
I CCA'd GE Money for a Dorothy Perkins card.
They sent me this one page document as a reply.
Please could someone look over it because it looks suspiciously like an application form and not a valid CCA.
If this is the case could someone please help me out with a good letter to fire back at them ( believe it or not this is the first ever piece of paper I have had for a CCA request the others simply never complied with anything)
Thanks in advance I'm feeling a bit rusty  http://img.photobucket.com/albums/v3...cs/GEMONEY.jpg
__________________ NatWest : £857.00 won! March/07 NatWest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08 NatWest for my partner : £2,101.00 won! Feb/07 Studio Cards : Refund for admin charges £108 Won! Dec/07 Complaint made to FOS for P.P.I Jan/08 Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case ) Littlewoods : defaulted on CCA request Feb/07 DCA's that crawled out from the woodwork and have crawled back : 28 so far!! My favourite link on CAG: Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums Please sponsor my mum : http://www.raceforlifesponsorme.org/janetfry | 
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14th February 2008, 23:22
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#2 (permalink)
| | Site Team
I am in: Southampton (actually Eastleigh)
Posts: 9,968
| Re: GE Money help with a CCA reply
Hello there Caz
I hate to say this but it looks good to me.
it looks like ,although i cant clearly read it, that the prescribed terms are in the box at the bottom,
it seems to set out the rate of interest, credit limit and payments etc.
did you use the card on the day you applied for it? if you did then they normally dont allow you to cancel, so the cancellation rights arguement could be shot too
regards
paul
__________________
PLEASE DO NOT PRIVATE MESSAGE ME AND THEN WAIT FOR A REPLY, ESPECIALLY IF YOU NEED URGENT HELP AS YOU MAY NOT GET A REPLY IN TIME
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15th February 2008, 09:26
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#3 (permalink)
| | Gold Account Customer
I am in: Deepest Darkest Derbyshire
Posts: 660
| Re: GE Money help with a CCA reply
Thanks Loads Paul
Yes unfortunately I did use it on the day - so that's that one out the window but I'm glad someone came along that could say it looked good.
I'm getting a bit confused with the whole application not being a CCA and this is a copy of the application form I filled in at the Store.
Onwards and upwards it's time to sit and wait for my S.A.R to be returned so I can plough ahead with my claim for all the high fees that have been applied over the years 
Thanks again! | |
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15th February 2008, 09:30
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#4 (permalink)
| | Site Team
I am in: Southampton (actually Eastleigh)
Posts: 9,968
| Re: GE Money help with a CCA reply
Quote:
Originally Posted by Caz1974  Thanks Loads Paul
Yes unfortunately I did use it on the day - so that's that one out the window but I'm glad someone came along that could say it looked good.
I'm getting a bit confused with the whole application not being a CCA and this is a copy of the application form I filled in at the Store.
Onwards and upwards it's time to sit and wait for my S.A.R to be returned so I can plough ahead with my claim for all the high fees that have been applied over the years
Thanks again! | Hi Caz,
Basically , a document,providing it contained the prescribed terms and was signed in the prescribed manner would be enforceable by a court under s127(3) .under that section it is rather irrelevant if it is an application or the final credit agreement ,if it contains the required parts it could be enforced
regards
paul
__________________
PLEASE DO NOT PRIVATE MESSAGE ME AND THEN WAIT FOR A REPLY, ESPECIALLY IF YOU NEED URGENT HELP AS YOU MAY NOT GET A REPLY IN TIME
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15th February 2008, 09:46
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#5 (permalink)
| | Gold Account Customer
I am in: Deepest Darkest Derbyshire
Posts: 660
| Re: GE Money help with a CCA reply
Thanks Muchly
My head was zooming lastnight after reading all the arguments about CCA's and whether they were valid or not so that settles it!! OOoooo what a weight off my noggin
The charges far out weigh what's owed anyway and it's always nice to get them back and make a clean slate....Thanks you're a God send < clicks your scaley things > | |
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15th February 2008, 11:57
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#6 (permalink)
| | Platinum Account Customer
I am in: Liverpool
Posts: 1,683
| Re: GE Money help with a CCA reply
I have to concour with paul...the prescribed terms do seem to be there, although dificult to make out from your scan
Sorry
Dave | |
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15th February 2008, 14:49
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#7 (permalink)
| | Gold Account Customer
I am in: Deepest Darkest Derbyshire
Posts: 660
| Re: GE Money help with a CCA reply
Thanks for your time Paul & Dave it's much appreciated. | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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