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Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Other Institutions

Other Institutions Been subject of excessive unfair bank charges by some other company? Banks, Building Societies, other companies? Discuss getting your unfair charges refunded here


Welcome to The Consumer Action Group

and
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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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Old 26th October 2006, 17:56   #1 (permalink)
shazbaz
Basic Account Customer
 
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Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 76
shazbaz Novitiate
Red face What Now ???????????

hi I'M having no luck with getting any information from these people.I sent the first letter on 26th october,they sent back fee stating they no longer have this information. This account account was paid in full in 2003.I then sent lba in dec.
They responded saying they no longer hold this information,
Sent another letter on 14th jan asking them to provide this information.(IF THEY HAVE BEEN DESTROYED)

1.WHO AUTHORISED THIS.
2.WHEN.
3.WHERE
4.HOW

Also a copy of the destruction certificate.

I have had no reply, what do i do now?

xxx shazz xxx THANX

Last edited by shazbaz; 5th February 2007 at 17:28.
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Old 26th October 2006, 18:03   #2 (permalink)
shazbaz
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Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 76
shazbaz Novitiate
Default C.C.A letter; Anyone help !!!

HI has anyone got a template please,to send for a copy of credit agreement.
thankx
xxx

Last edited by shazbaz; 26th October 2006 at 18:08.
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Old 27th October 2006, 16:39   #3 (permalink)
Acerfan
Classic Account Customer
 
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Default Re: C.c.a.letter Please. Anyone Help

Hi,
Got this off the debt & baillifs section of forum. Send with a £1.00 postal order

If you haven't checked it out, look at the thread
Loan Company Cannot Supply The Original Agreement

Good luck

[your address]

[date]


[their address]

Dear Sir/Madam

Re:− Account/Reference Number XXXXXXXXXXXXXX

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
[name]

Last edited by Acerfan; 27th October 2006 at 23:14.
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Old 29th October 2006, 13:46   #4 (permalink)
shazbaz
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Watch out, there are Claims Touts about!

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Posts: 76
shazbaz Novitiate
Default Re: C.c.a.letter Please. Anyone Help

most helpful
THANX
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