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.
I wrote to Tesco Visa on the 12th February 2007 and requested the credit agreement in accordance with the Consumer Credit Act 1974.
They replied on the 3rd April 2007, first letter back, nothing in between.
"As I am unable to provide you with a copy agreement at the date the card agreement was made and a copy of the current terms of the card agreement, as an exceptional matter and in line with the Consumer Credit Act requirements, the current balance of £9K has been discharged and is no longer obligatory."
Robertxc v. Abbey- £3300 Settled in full Robertxc v. Clydesdale- £750 Settled in full Nationwide v. Robertxc- £2000 overdraft wiped out, Default removed by order of the sheriff Robertxc v. Style Card- Default removed by order of the sheriff Robertxc v. Abbey (1)- Data Protection Act action. £750 compensation Robertxc v. Abbey (2)- Data Protection Act action. £2000 compensation, default removed
The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.
Dont suppose he will be getting any clubcard vouchers in May then ?
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One question though, is this write off following a default on the balance outstanding as well as penalty charges following closure of the credit card ?
If so, this may set a precedent for any debt where the original signed agreement cannot be provided ( or am I just being thick here ? ).
Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.
Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.
GE Money - Received settlement of £441, being total charges requested. No interest though.
CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!
EOS Solutions "ceased action on account" on behalf of a friend.
All in all, quite busy at the moment and enjoying every minute of it
The account had (has) been defaulted and I am set up with Payplan to clear my debts to this and others.
In fairness to them, they have never involved a DCA, have not hassled me with phone calls and they froze interest as soon as I told them I was talking to Payplan. So of all my creditors they easily been the best to deal with. Even to the point of holding up there hand and saying we have no agreement (not here is any old application with a signature). Like I said one letter requesting CCA and then they write back as my first post above.
What I found most interesting was "in line with the Consumer Credit Act requirements, the current balance of £9K has been discharged and is no longer obligatory."
Payplan emailed me back yesterday and said they will contact RBOS to confirm they have zero balance.
I have written to Tesco to say no agreement therefore no Data protection therefore remove all Credit Reference Agency info.
That letter should be laminated and stored with your most prized possessions - it's worth 9K!
Regards, Pam
VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE: http://www.consumeractiongroup.c o....l#post53879 9
Anyone seeing this who wants to help by copying it to their signature please do.
That letter should be laminated and stored with your most prized possessions - it's worth 9K!
Regards, Pam
Good LORD!! Well done you! That's great news.....
I have a v. old Tesco card.....CCA here we come!
How old was this account?
CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!
I AM NOT SCARED ANYMORE!
MBNA - To quote "The Carpenters", We've Only Just Begun..................
HSBC - Settled.
Capital One - S.A.R - (Subject Access Request) issued.
Goldfish - S.A.R - (Subject Access Request) issued.
Tesco - SAR issued.
Davey! I can see you use Motley Fool too, a v. useful site!!
Will be over to your thread shortly.....
CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!
I AM NOT SCARED ANYMORE!
MBNA - To quote "The Carpenters", We've Only Just Begun..................
HSBC - Settled.
Capital One - S.A.R - (Subject Access Request) issued.
Goldfish - S.A.R - (Subject Access Request) issued.
Tesco - SAR issued.
Tesco Visa no CCA £9K written off!
Reply With Quote
Originally Posted by InKogneeToh
Re: Tesco Visa no CCA £9K written off!
