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.
Hi can someone tell me what letter or what is the format of the letter i need to send to my bank in order to receive a copy of my CCA? Is it just a matter of sending £1 and saying you want a copy? My bank has already admitted they destroyed it but are still pursuing me for the interest which i dispute. the financial Ombudsman seem to be on the side of the bank
Hi
I have posted in a few places. However, I would like to learn the correct format/template for requesting my CCA from my bank. I am disputing the interest they have applied. I did ask the Financial Ombudsman to get involved but they said if the bank had destroyed the CCA there was nothing more they could do. Is this correct - what is the role of the FO? I did request my CCA before but didnt send a £1 although the bank acknowledged they received the request.
the kite over Blighty, shooting down the DCA's!! Tally-Ho here we go!
Posts
492
Re: CCA Request
Originally Posted by shaz1000
it was opened april 2008
Hello shaz1000,
I am getting confused here .... (not difficult really) ...... is this thead about the same account that you are talking about on the Tesco etc thread?
If so...... opened in April 2008 .... and they admit they have destroyed the agreement and it is not available???? .... seems strange!!
The following I posted on the other thread ..... if both threads are the same account I will only post here now ...
CAUTION
Am I right in thinking you are starting to ask questions (i.e. CCA request) to your bank regarding your credit card account that is with the same bank where you have a current account?
If so .... proceed with caution .... I strongly suggest you first open another (parachute account) bank account somewhere with a bank that is not connected with your current one and change over any direct debits AND especially stop your wages being paid into your current account if this is at present happening. Otherwise you are in a tricky situation taking matters further because the bank may pay your credit card from your bank account funds with a gem called "Right to Offset". (This effectively means they can take money from your current account to bring the credit card account repayments up to date).
I am getting confused here .... (not difficult really) ...... is this thead about the same account that you are talking about on the Tesco etc thread?
If so...... opened in April 2008 .... and they admit they have destroyed the agreement and it is not available???? .... seems strange!!
The following I posted on the other thread ..... if both threads are the same account I will only post here now ...
CAUTION
Am I right in thinking you are starting to ask questions (i.e. CCA request) to your bank regarding your credit card account that is with the same bank where you have a current account?
If so .... proceed with caution .... I strongly suggest you first open another (parachute account) bank account somewhere with a bank that is not connected with your current one and change over any direct debits AND especially stop your wages being paid into your current account if this is at present happening. Otherwise you are in a tricky situation taking matters further because the bank may pay your credit card from your bank account funds with a gem called "Right to Offset". (This effectively means they can take money from your current account to bring the credit card account repayments up to date).
Onwards and Upwards
Chalkitup
Yes, I have already changed over all direct debits etc. My main reason for saying my account was with the bank was because i notice someone said not to sign the CCA request letter. But the bank already have my signature. My mortgage is also with the same bank.
after requesting signed copy of CCA was sent some standard document not signed anywhere. is there anything i can do? bank also added late payment charge
CCA Request
Reply With Quote
LOWELL DETESTER
Originally Posted by Chalkitup
