Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1

    Default Intelligent Finance CCA response

    Hi All,

    Had a response from IF to a CCA Requesticon on a credit card.

    Quote:
    "Further to our letter,
    at the moment we are not able to provide a copy of the original signed agreement
    but I have enclosed a copy of your original Terms and Conditions,

    however we can confirm that our procedure has always been to obtain our customer's signature to an agreement
    containing the prescribed terms before entering into a credit card agreement.
    As such, we are confident the agreement remains enforceable.

    By providing you with the documents attached to our previous letter,
    we have satisfied our obligation to provide a copy of the executed agreement under Section 78.

    However, even is an agreement is unenforceable,
    the contract still has legal effect and is not void,
    the lender is merely prevented from seeking an enforcement order from the court.

    It has always been our process to ensure that an agreement complying with the CCA requirements
    would have been signed by the customer before setting up a credit card account.

    Should this proceed to court we will adduce evidence to confirm this..."

    It goes on to warn about using the services of claims management companies etc....

    They have attached a badly photocopied version of the Terms and Conditions.

    I'm confused here - am I still in dispute with them until they turn up a copy of my signature? Should I start paying them again?

    As always, any help much appreciated.

    JJ


  2. #2

    Default Re: Intelligent Finance CCA response

    nope std bowlarks

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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