Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Ok then. Taking on Argos once more.
This is for my Hubby's account. Will send the CCA off tomorrow morning.
Letter goes to the following adress (1st class recorded) with £1 PO included:
Argos Card Services
Royal Avenue
Widnes
WA88 1AL
Will also S.A.R. them on Monday.
will post the CCA in a minute.Just uploading it. Not too sure about the Link thing yet, hope they are working. Although i think the pictures might be a bit small??I had it all scanned into a pdf file, but not sure how to link one on here??
The CCA is made up of 4 stapled together printouts. No signature from me or them and no adress deatils on there. I assume they're trying it on. Although they do state in their letter that they can omit the adress and signature bits?? Anyway, will post it in a minute and then maybe someone can advice on my next step.
Sorry for the lenghty post
As you may be able to see, they're just printouts with space for any adress details or signatures. Also, the only space that would be signable, is the cancellation form bit.
Another thing i noticed, Enclosure 1 has a little print at the top of the 3rd page:
Argos small print doc 9/5/06 2:28 pm Page 1.
And Enclosure 2 has the foloowing printed at the top:
Argos Card Executet T&C's 16/3/07 4:55pm
Now i'm not sure on this one, but i believe to have seen somewhere on CAG that it has to be the T&C's from when the account had been opened??
I would be grateful if anyone can advice me on the legibility of those please. And what my next step should be.
In the meantime i will prepare the non compliance letter in case someone confirms to me that they have not complied with my request.
Thank you
No answers yet to the above. Will concentrate on my S.A.R. to Argos for now.
Letter is ready to be sent and will be in the post on Mon 30th via recorded.
Hi there,
Don't want to be a pain,but i really need to know if the above "CCA" is enforcable, or is it a "CCA" at all??
There 12+2 days runs out on Wed.
Thanks
The Documents that have been provided may well contain the required terms thats not disputed but clearly its not the agreement you signed.
i suggest that you ask for the agreement within the SAR and also put in a line which says " in the alternative, please confirm the status of the original agreement, do you still hold on your records the original bearing my signature or a copy of it"
there was a case recently that held you may not be entitled to a copy of hte agreement but you ARE entitled to know if they actually hold it
Hi pt2537,
Thanks for your reply. So shall i just leave it at that (no non compliance letter?), and send my S.A.R (which i wanted to do tomorrow morning anyway? Obviously i will have to amend it to include the line you mentioned.
Thanks again for your reply, i felt a bit lonely on m ythread lately :o
just for your information the case i refered to is Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec)
just incase they come back with some rubbish saying they dont have to tell you if they still have the original, let me know if that is the case and we can fillet their donkey for them
Please supply me with a complete list of transactions and charges relating to my account history with your organisation.
Alternatively, a complete set of statements for that period will be acceptable.
Furthermore, with reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. In the alternative, please
confirm the status of the original agreement. Do you still hold on your records the original bearing my signature or a copy of it.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.
If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.
I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act Subject access request fee.
If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.
I have now asked for the agreement within the S.A.R., which will be sent tomorrow morning.
Still not sure if i have to send the Non compliance letter re. CCA off or not?
I think i just leave it at that. After all, the charges should amount to a little bit. Now i am wondering how i'm gonna calculate the interest. I've got my spreadsheet from Steven4064's signature, i believe this is the right one??
Shall i just take the interest of the Argos website or would it be best to just leave it with just the charges. There are many different opinions out for the different type of interests, and if to claim it or not.
Oh no! I just read a few threads and noticed that others have sent £11 instead of £10 when they requested the agreement within the S.A.R.??
Have i jeopardised mine now by just sending the £10?? I did send £1 with my initial CCA request, and thought i didn't have to pay again, as they hadn't supplied what i've been asking for.
Oh no! I just read a few threads and noticed that others have sent £11 instead of £10 when they requested the agreement within the S.A.R.??
Have i jeopardised mine now by just sending the £10?? I did send £1 with my initial CCA request, and thought i didn't have to pay again, as they hadn't supplied what i've been asking for.
Hi,
the fee for a SAR is £10 , well actually its a maximum of £10
if you already sent the one pound fee, then you do not need to send it again, all you need to do is send the £10 fee and a SAR and thats that
jellybabe vs Argos (Hubby's account)
Reply With Quote
Re: jellybabe vs Argos (Hubby's account)
Re: jellybabe vs Argos (Hubby's account)
Originally Posted by jellybabe
