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
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    Default IS this CCA enforceable?

    Good morning all,

    Please could anyone advise if this is an enforceable CCA - received from Lowells for a Vanquis credit card.
    They've added a sticker with a company reps signature over the date with my signature, which is oddly located - I always sign squarely in the centre of any box. Plus are the elements all correct as I have looked but just not sure.

    Many thanks in advance.

    Attached Images Attached Images

  2. #2

    Default Re: IS this CCA enforceable?

    can you pop those up in ONE PDFicon please read uploadicon

    and wheres the rest of it?

    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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  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Nov 2017

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    Default Re: IS this CCA enforceable?

    Hello and thanks for your reply.

    I've been trying to uploadicon this as one PDFicon for nearly an hour now and I'm totally at a loss - I have done this before many times for my studies and in work situations, I am pretty computer literate.

    I have scaneed as jpg so that I could easily remove details using paint, then I have used an online PDFicon creator to convert/merge into one pdf file and I have also used word, adding the two files and 'print to pdf', I've checked the sizes and even compressed down to 474kb but none of these pdf files are being accepted by the uploader.

    I keep getting this response "this png image has the incorrect file extension" - but it is most definitely is not a png image!
    problem.png

    What am I doing wrong please?


  4. #4
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
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    Default Re: IS this CCA enforceable?

    merge_from_ofoct.jpg

    Right, I've used an online jpg merger - I hope this is acceptable as it's just not taking my PDFicon's.

    These two sides of A4 were all Lowell have sent me as proof of my CCA with Vanquis. I do not know what you mean by the 'rest of it' - is there terms/conditions missing then, please?

    Along with this they send a few sheets of copy statements, without a running total, just a list of purchases and charges with amounts and dates.

    Also the covering letter states "We trust that this now answers your query and look forward to hearing from you to discuss affordable repayment options", I just don't know what to do as I am struggling with normal bills right now, I'm on a low income and cannot work anymore than I am as I don't yet qualify for free childcare hours for my baby.

    Thanks again.


  5. #5

    Default Re: IS this CCA enforceable?

    ah i'll guess you are using a mac?

    there is currently some kind of issue following our recent forum upgrade

    i'll look at them later but atleast we can now zoom ok

    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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  6. #6

    Default Re: IS this CCA enforceable?

    uploadicon don't appear to now work at all in PDFicon

    dx

    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

    Follows
    1
    Following
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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