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

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    loachy Novitiate

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    Default Sainsburys Cca - Help Please!

    Hi

    Received this response (attached) from Sainsburys today following my CCA request about 12 days ago. Have they sent me the right thing - there are no signatures etc on this form. Should I be requesting something different in order to get a copy of my original signed agreement? If they have sent me the right documentation through is it enforceable? What do I do next? HELP!!!






















  2. #2
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    Default Re: Sainsburys Cca - Help Please!

    its a bit small

    can you upload by googling photo bucket

    under the new cca regulations, a creditor can send you a manufactured copy of an agrement to comply with the cca

    thats why no sig

    but

    they need the original to enforce

    its smoke screen and mirrors

    no cca
    no liability to pay, only on your terms


  3. #3
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    loachy Novitiate

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    Default Re: Sainsburys Cca - Help Please!

    Hi

    Thanks for your response. Is there a way I can make them provide me with a copy of the original signed document? I've seen some stuff on here about Subject Access requests - is that what I should do next?

    I have uploaded the scans to photobucket but I can't add them to this site. I get a message saying invalid link??? I'm new to photobucket so I am probably doing something wrong but I can't work out how to get the link on here - any suggestions?

    Thanks


  4. #4
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    Default Re: Sainsburys Cca - Help Please!

    Finally sussed photobucket so better images are on there now! Hope someone can help me with this

    Thanks


  5. #5
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    Default Re: Sainsburys Cca - Help Please!

    may i ask when the account was opened


  6. #6
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    Default Re: Sainsburys Cca - Help Please!

    I can't be sure because there is noting on this paperwork they have sent me with either a signatureicon or a date on but I think it was around 2004/5.


  7. #7
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    Default Re: Sainsburys Cca - Help Please!

    I am in the same boat, same letter, same copy. Got this today.

    Why are banks not following the rules correctly?

    What reply should I send? There is no mention on these documents of the credit limit ect.

    I have tried the data protection access request too but that has failed. (Outside of the 40 days.)


  8. #8
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    Default Re: Sainsburys Cca - Help Please!

    Hi there, I know this is a few months ago now but I have recieved an almost identical reconstituted agreement as a response from Sainsburys, just wondered if any of you had any successes or advice?


  9. #9
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    Default Re: Sainsburys Cca - Help Please!

    The agreement that I received was dated October 2006, yet the account was taken out in 2004. I have pointed this out to sainsburys but they have ignored my complaints and have had their hounds 'Albion Collections' constantly call and mail me.

    Still unsure what I have to do next.


  10. #10
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    Default Re: Sainsburys Cca - Help Please!

    Now had Sainsburys solicitors write demanding payment. Sainsburys have ignored my letters and ignored that this is in dispute.



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