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Old 1st August 2008, 21:24   #1 (permalink)
The_Internet
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Question Is this a properly executed CCA, as supplied by the DCA?

A DCA has sent me the following 'agreement' and has said that now they have proved I owe the debt, they want the money ASAP.

I requested this data, via a CCA request. They are into the 9th day of 12+2.

Is the attached form, a bona-fide agreement bound by the CCA laws, please?

Material facts:

1] Original credit card agreement was made in 2000
2] The debt has been sold and resold to around 4 DCA's, this is the 4th one to ask for the money and the only one to provide any 'proof' of owing it.
3] NO OTHER pieces of paper, except the demand from the DCA to now pay the money, accompanied the letter. No statement of account, no deed of assignment, no other bits and pieces whatsoever.
4] All the relevant data on the sheet has been deleted by me; the signature WAS mine and all seemd in order with the hand written and machine completed data on the form.

I am resigned to paying, as this looks like a full agreement? It certainly mentions the CCA laws etc, plenty of times.

If it is NOT...is there a standard/template letter here on the forum that I could use to give a full, comprehensive, point-by-point breakdown of their failings and why I dispute the 'agreement' etc.

Again, I would like to extend my sincere an dheartfelt thanks to all who have helped me [and countless others]. If it were not for you wonderful people, I'd still be living in abject fear, unable to even answer the phone or the door. You have effectively cleared up the rubbish from my life. THANK YOU, for ALL you do.

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The_Internet
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Old 1st August 2008, 21:52   #2 (permalink)
creditcardmug
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Default Re: Is this a properly executed CCA, as supplied by the DCA?

Is that it, it doesnt even come close IMHO
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Old 1st August 2008, 21:57   #3 (permalink)
hsbclinkdcms
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Default Re: Is this a properly executed CCA, as supplied by the DCA?

The Pescribed Terms are these

A Amount of credit
A term stating the amount of credit CAN'T SEE ONE

B Repayments
A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-
(a) Number of repayments;
(b) Amount of repayments;
(c) Frequency and timing of repayments;
(d) Dates of repayments;
(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

C Rate of interest
A term stating the rate of interest to be applied to the credit issued under the agreement ONLY BALANCE TRANSFERS MENTIONED
D Credit limit
This may be a term or the manner in which it will be determined or that there is no credit limit. CAN'T SEE ONE

As said looks inadequate.

Last edited by hsbclinkdcms; 1st August 2008 at 22:05.
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