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drewsters

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About drewsters

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  1. I forgot to mention that since I sent the original letters we have moved house, had a baby and I've started a new job, so haven't had as much time to spend on this as I might, but hoping to get back on track with it now!! Drewsters
  2. An update: HFC I responded to them after they sent a copy of the application form, stating that in the absence of a proper agreement between us, I wanted the account balance reduced to zero and all credit files updated. They have since written to me twice saying that they are investigationg the complaint but that no conclusion has yet been reached. The most recent letter states that 'As soon as all the relevant information has been gathered and the investigation has been completed, a full response will be issued in writing.' They also go on to say that I have the right to complain to the Financial Ombudsman, 'however I hope you will not find this course of action necessary'. Egg Received copy of credit agreement back, which included all the prescribed terms. No further action. Northern Rock (administered by Co-operative Bank) Received a copy of a set of terms but no signed agreement. Wrote back with the same response as to HFC but have yet to hear anything. Chasing as we speak. It would be good to hear from anyone else wityh any success stories (or otherwise!). Cheers Drewsters
  3. dpick, Thanks very much for the help - I will send a letter off to Marbles and see what I get back. Regarding the ones who have not replied, I will wait until the 12+2 and 30 days has passed, but what should I then say to them? Is there a standard letter available anywhere on here that I can use regarding their breach of CCA 1974 in not providing the documentation I have requested? Thanks very much, drewsters
  4. Hi all, II have recently submitted CCA requests for credit agreements from 5 credit card providers, and received the first response from HFC for my Marbles card. They have sent me what appears to be my application, which is headed: Your prioroty application for the marbles card Credit Agreement regulated by the Consumer Credit Act 1974 It has sections with my personal details, somewhere to include details of an additional cardholder and a long section of terms relating to the use of my personal information. It is signed by me and HFC, but there is no mention anywhere of interest rate, amount of credit etc. Accompanying this document are a set of Ts & Cs for the credit card, but again there is no mention anywhere of interest rates, amount of credit etc. I have 2 questions as follows: 1. Is it likely that they have just sent the wrong document, or is it more likely that the proper CCA does not exist? 2. If a proper CCA does not exist, can I challenge them myself to have the balance cleared, or would I need to do so through a lawyer? Also, given that it is about a month sionce I sent the initial letters, and I have only had responses from 2 companies, what should be my next step with the others? All help gratefully received by this novice! Many thanks drewsters
  5. Hi all, I'm new on here and this is my first post, so I apologise in advance if I am going over old ground. I have recently submitted CCA requests for credit agreements from 5 credit card providers, and I received the first response today, from HFC for my Marbles card. They have sent me what appears to be my application, which is headed: Your prioroty application for the marbles card Credit Agreement regulated by the Consumer Credit Act 1974 It has sections with my personal details, somewhere to include details of an additional cardholder and a long section of terms relating to the use of my personal information. It is signed by me and HFC, but there is no mention anywhere of interest rate, amount of credit etc. Accompanying this document are a set of Ts & Cs for the credit card, but again there is no mention anywhere of interest rates, amount of credit etc. I have 2 questions as follows: 1. Is it likely that they have just sent the wrong document, or is it more likely that the proper CCA does not exist? 2. If a proper CCA does not exist, can I challenge them myself to have the balance cleared, or would I need to do so through a lawyer? Many thanks drewsters
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