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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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LMD75 versus Tesco


lmd75
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I took out a Tesco credit card online in Q1 2009 and have just CCA'd them. They sent me the following 9 pages together with my latest credit card statement which just looks like a generic copy of my application form with added terms and conditions?

 

Is this CCA unenforceable? If not then what is the best way of dealing with them in regards to coming up with alternative /reduced payment method as I am financial difficulty? Am I better off going via CCCS or writing to them directly? Many thanks.

 

http://img14.imageshack.us/img14/9717/tescocca1of10edit.jpg

http://img24.imageshack.us/img24/2201/tescocca2of10edit.jpg

http://img411.imageshack.us/img411/9135/tescocca3of10edit.jpg

http://img9.imageshack.us/img9/9747/tescocca4of10edit.jpg

http://img17.imageshack.us/img17/6752/tescocca5of10edit.jpg

http://img223.imageshack.us/img223/6590/tescocca6of10edit.jpg

http://img147.imageshack.us/img147/9403/tescocca7of10edit.jpg

http://img183.imageshack.us/img183/1003/tescocca8of10edit.jpg

http://img178.imageshack.us/img178/999/tescocca9of10edit.jpg

Edited by lmd75
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Would someone be kindly enough to help me out with this agreement. I have received another exactly the same from Natwest and Tesco. Need to come up with a plan sharpish. These agreements were taken out after 2007 online.

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  • 2 weeks later...

Hi,

As it was taken out in 2008 and it has your details and a tick in the box, I would say it is enforceable.

 

They key financial info is there along with all the other terms and it is before your signature (tick)

 

You could try writing to them at first but if they don't respond positively then go to CCCS or Payplan and see if they can help.

 

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

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Thanks very much Silverfox for replying - atleast I now know that I have three cards that are enforceable - very much appreciated.

 

Is there a template letter that I can send them all to try and freeze interest and is there a minimum that I can offer?

 

I would rather not deal with anyone via phone and keep everything in writing.

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Have a look here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Lots of letters to choose from.

 

Absolutely keep everything in writing. You need a paper trail to show you are trying to deal with this

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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