Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. 13th June 2008 12:08 #1
    heartopp heartopp is offline
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    Default Is this a Credit Agreement

    This is what I have gotten from Barclaysicon in my little Data Protection Act pack (and I have also sent a CCA request)

    Now this is what they have sent me, is it a cca?





    Thanks

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  2. 13th June 2008 23:36 #2
    slick132 slick132 is offline
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    Default Re: Is this a Credit Agreement

    Hi Heartopp and welcome to the BC forum,

    I'll ask someone to stop by and comment on the documents.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

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  3. 14th June 2008 08:18 #3
    heartopp heartopp is offline
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    Default Re: Is this a Credit Agreement

    Quote Originally Posted by slick132 View Post
    Hi Heartopp and welcome to the BC forum,

    I'll ask someone to stop by and comment on the documents.
    Thanks... I have been told now that its not... It has no credit limit for starters.

    What next?

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  4. 14th June 2008 09:59 #4
    SteveH2508 SteveH2508 is offline
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    Default Re: Is this a Credit Agreement

    Quote Originally Posted by heartopp View Post
    Thanks... I have been told now that its not... It has no credit limit for starters.

    What next?
    They have included a statement that you will be advised of the credit limit at the bottom of the first column (Term 4) which is sufficient to comply.

    Nationwide
    - Prelim sent 02/07
    - MCOL filed 04/07
    CHARGES SETTLED IN FULL!!
    Woolwich
    - Prelim sent 04/07
    - Offered 90% - 06/07 accepted
    MBNA
    - Prelim sent 02/07
    - CCA request sent 03/07
    - CCA reply (illegible + no T&Cs)
    - DCA sent packing
    - Restons now trying
    - gone quiet
    Citicard
    - Prelim sent 02/07
    - CCA request sent 04/07
    - replied 04/07
    No contract & not enforcing!
    - passed to 1st Credit
    - gone quiet
    Egg
    - Prelim sent 02/08
    - 3 letters - full offer 03/08
    SETTLED IN FULL!!
    (All starry, rep, clicky thingies gratefully received!)
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  5. 14th June 2008 10:50 #5
    foolishgirl foolishgirl is offline
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    Default Re: Is this a Credit Agreement

    IMO looks OK providing Page 2 is the back of page 1. Did you take this out 2004? This is the date mentioned in the T&Cs on page 2. If so, it's likely to be correct as the banks have been more careful re. accurate data on recent CCAs.
    I'm sure someone else will check it too...

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  6. 14th June 2008 13:43 #6
    steven4064 steven4064 is online now
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    Default Re: Is this a Credit Agreement

    Hi heartopp

    THis isn't a copy of an executed agreement because it doesn't comply with s61 of the CCA 1974. However, it is enforceable by a court (s127 of the CCA 1974) as it has your signatureicon and the prescribed terms (albeit on the rear side - foolishgirl's proviso is right). SteveH is correct.

    Steven

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  7. 14th June 2008 14:28 #7
    slick132 slick132 is offline
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    Default Re: Is this a Credit Agreement

    Hi HO,

    Have you checked if you've suffered unlawful panalty charges on this a/c.

    If so, you can set about reclaiming them to reduce your debt to BC. Read the guide in Link No1 in my signatureicon below, if y7ou've not done this before.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.
    Reply With Quote Reply With Quote
  8. 14th June 2008 20:37 #8
    heartopp heartopp is offline
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    Default Re: Is this a Credit Agreement

    Quote Originally Posted by slick132 View Post
    Hi HO,

    Have you checked if you've suffered unlawful panalty charges on this a/c.

    If so, you can set about reclaiming them to reduce your debt to BC. Read the guide in Link No1 in my signatureicon below, if y7ou've not done this before.
    lbaicon has gone in...

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