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The address I have been using is balloon st, Manchester.
I have been requesting a copy of my CCA from Co-op (ex N/R) for months now, 3 times they have sent me a copy of the application.
I have now threatened them with Court and fos.
Today out of the blue, no mention of CCA or anything else, just stating that I was one of the lucky ones chosen if I can come up with £3100 within 15 days they will slash my balance by 50% and that will be the CC settled and closed.
I don't have £3100 but do you think this is a conincidence or are they genuinly offering to cut customers balances????????????
Received A Letter Today Stating That In Accordance With The Cca 1974 They Have Provided All They Need To (application Form), And That They Will Continue To Rely On This Documentation, And That If They Do Not Receive Paynment They Will Refer This To Debt Recovery.
We had a co-op (ex Northern Rock) credit card. When we applied for the CCA they told us they didn't have it but the fact that we'd reclaimed unfair charges was enough for them to pursue the case and proved that an agreement was in place. We pointed out that the reason for requesting the CCA was to make sure it complied with all terms and conditions. The balance was just over £8k. That was 2 years ago and we've not heard anything more from them and the entry on our credit file has been totally removed. - - - Moral of the story - - - -Stick to your guns!!!
Ours was 8-9 years old. From what i can work out no paperwork was transferred to co-op from NR and it all depends on whether NR have kept details or can be bothered to look for them!
Good luck with yours!!
LOOKING FOR SOME HELP OUT THERE, (THE SAGA CONTINUES).
GOT ANOTHER LETTER TODAY FROM CO-OP REGARDING MY N/R CC, THEY ARE SAYING THAT WHAT THEY HAVE SUPPLIED HAS MET THE REQUIREMENTS OF THE CCA 1974 AND ATTACHED A SET OF terms and conditions.
i AM LOOKING AT THE APPLICATION FORM AGAIN AND THERE IS NO % RATE, NO signature FROM N/R, NO MONTHLY AMOUNTS ETC.
Hi Pinky - ask them for the entire document, there is a reverse to your page. They have just sent me one although I am unsure if it is actually the reverse. I am going to request the true copy in its entirety under CPR. Better that you make sure they don't have everything before it gets rough.
I got some internet t&c's printed off with the year 2000 (my application date) scribbled on in pencil. Like I am going to believe that!!
They have also sent a letter saying they will not communicate any further on this subject. I bet if I sent a letter saying I want to pay the alleged balance off in full they would communicate.
Update. After passing the account to a debt collection agency, the debt collection agency has come back and said that the application form is the creidt agreement. They have stated that once the application form is signed, it becomes the credit agreement. Does not sound right. Anyone had any experience with this or could re lokk at the scan I have of the agreement?
Update. After passing the account to a debt collection agency, the debt collection agency has come back and said that the application form is the creidt agreement. They have stated that once the application form is signed, it becomes the credit agreement. Does not sound right. Anyone had any experience with this or could re lokk at the scan I have of the agreement?
Now had a demand from yet another debt collection agent.Any advice?
Hi everyone I have a NR cc that was transfered to the co-op and I was told it was not enforceable by a solicitor who was acting for a claims co now I have just heard that they have sent terms and conditions that were on the back of the form I signed.It says on my paperwork rerms and conditions on the reverse but how do I know that what they sent was on the reverse as the cca I got looks like a screen print.Does anybody know how I can obtain a proper copy of the original as I am sure they dont have it.The solicitor has backed out saying that as they have sent terms and conditions they were probebly on the back but they couldnt copy them properly,yer right.anybody any ideas.
Same with myself. They have sent T&C's on what would have been on the reverse. They will not confirm one way or another if they have the original document to back this up.
I am still waiting for them to take action so that I can then go through the court process. That's when they will have to declare if they have it or not. The alterative is to make an offer to inspect the original document at one of there offices. They probally won't respond but at lease it adds to your case.
Co-Op Ex Northern Rock- Is this enforcable?
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Originally Posted by roygoodbeat
