Is this a valid cca agreement???

**alchemy9** · 19th June 2009 13:53

i got this back from link today,

is this a cca???

I had an overdraft icon

with Abbey icon

for about 4k, I started paying this then I found this site so I requested the CCA agreement. This is what they sent me today, after it was put into dispute using the standard template letter. I requested the cca and sent the letter back to them saying the account was in dispute on the 16th

extact of the lettter i sent....

[FONT='Arial','sans-serif']
You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On 30TH May 2009 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. [/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif']You have failed to comply with my request, and as such the account entered default on 16th June 2009 [/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif']....[/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif']then I got back a letter today, with £1 in it wooo hooo!![/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif']but what do I do next. Can they go after me for the money???[/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif']It is difficult to read... see attched word document..[/FONT]
[FONT='Arial','sans-serif'][/FONT]
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[FONT='Arial','sans-serif']thanks in advance[/FONT]
[FONT='Arial','sans-serif'][/FONT]
[FONT='Arial','sans-serif']Ian[/FONT]
[FONT='Arial','sans-serif'][/FONT]

**PGH7447** · 19th June 2009 13:57

overdrafts are not covered by the CCA - so clownells are right for once

I would in your position send a SAR icon

and get all the statements to see what charges have been applied if any

**alchemy9** · 19th June 2009 14:12

thanks for the quick repsonse.

what would be the advantage to get the SAR icon

? To claim back charges or delay the DCA icon

?

The agreement is not fully readable could this be a defense???

The agreement also states an overdraft icon

of 400 not 4k can they claim 4k (well the remaining amount of 1200) or just 400???

**PGH7447** · 19th June 2009 14:16

both, you send the SAR icon

to the OC and write to clownells and tell them the account is in dispute icon

untilthe oc complies with the request

**alchemy9** · 19th June 2009 15:45

regarding the application form for a bank account, (now that I know this is not tied to a CCA). If the application form is not readable ( see the initial post attached word document) would this stand up in court or would it be thrown out?

**PGH7447** · 19th June 2009 19:32

I dont understand the question, you applied for a bank account presumably they gave you one, you used it and went overdrawn therefore the question is can you reclaim charges - the answer to that one is yes

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