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  1. Sorry, one other thing popped into my mind once I'd posted. Do they have to supply details on ALL variations that have taken place throughout the life of the agreement, eg interest rate going from 1 to 2 to 4 and not just that it's gone from 1 to 4?
  2. Thanks again. Have read what your wrote (above) and also the OFT document you gave the link for. Am I right in thinking that it's not sufficient for them to send the T&C's as they were when the agreement was signed and a copy of the latest T&C's? Ie, if something has changed, they have to explicitly state what was changed. As I understand it that seems right and is backed up by Carey v HSBC.
  3. Thanks again. Have looked at the point you mentioned:: If an agreement has been varied by the creditor under a unilateral power of variation, the creditor must still provide a copy of the original agreement, as well as the varied terms; Now I'm probably being stupid but I don't understand what that means.
  4. Rebel11, Thanks for the reply have some reading to do then! I also found - typically after saying I couldn't - this http://www.consumeractiongroup.co.uk/forum/showthread.php?162851-Consumer-Credit-Agreements-a-guide-to-enforceability Is the OFT stuff you sent more accurate?
  5. I've 'done' about 5 CCA requests for a member of my family. One's replied saying they're still trying to find all the documents - happy days! But...the others have sent back copies of the signed application form and copies of the terms - albeit ones that seem to have been typed up to use in their replies, ie not the original ones. Anyway, I've searched these forums and can't find listed exactly what makes something enforceable or not. Can anyone point me in the right direction please. Only ask as I'd rather not scan everything in and then have to ask someone else to look at them on my behalf. All help gratefully received.
  6. Silverfox, thanks for having a look and the comment. Sorry to hear it's enforceable but...she had another account with the same company (albeit a diffferent part of the group) and the CCA request to them resulted in them writing back saying they couldnt find the agreement and so would not be pursuing the debt! So one out of two isn't bad! Thanks again for the help, much appreciated.
  7. Sorry to pester, but can anyone have a quick peak at the images and advise please. Thanks.
  8. Performed a CCA request for the wife and her Littlewoods account, got this back - looks like 'just' an application form to me and not what they should have sent, but could someone confirm whether it is the right thing or not please. Also, if this is the CCA, is it enforceable? Links as follows: http://i413.photobucket.com/albums/pp213/goldenapplecorps23/Littlewoods/100705CCAScan1.jpg http://i413.photobucket.com/albums/pp213/goldenapplecorps23/Littlewoods/100705CCAScan2.jpg Thanks in anticipation of some help.
  9. Cerberusalert, Thank you once again for your help and for the letter template. Really very grateful I should add that having received that I also sent an SAR and got nothing more!
  10. Cerberusalert, Thank you once again for your help and for the letter template. Really very grateful!
  11. Quick update first, question to follow! After a bit of letter tennis, the DCA returned it all to the original creditor (Mint) and I CCA'd them. Mint sent back a letter, the original application form and two pages of 'terms and conditions'. All the scans can be found using the following links: Mint letter: MINT :: 100702PatMintCCA1.jpg picture by goldenapplecorps23 - Photobucket Original Application Form: MINT :: 100702PatMintCCA2.jpg picture by goldenapplecorps23 - Photobucket The two pages of T&C's: MINT :: 100702PatMintCCA3.jpg picture by goldenapplecorps23 - Photobucket MINT :: 100702PatMintCCA4.jpg picture by goldenapplecorps23 - Photobucket Mint say that this is 'True Copy' (see their letter) and that it is enforceable but is it? Can anyone help please. Any advice and comment gratefully received as always and thanks in advance for any assistance received.
  12. Cerberusalert, Thanks for looking at it, shame it's enforceable but I suppose 2 out of 3 being not so is quite a good result. Well they've sent a 'Notice of Default Sums under the Consumer Credit Act 1974' if that's what you mean...
  13. Wife's got a few Shop Direct Accounts, after some CCA requests we've been lucky with 2 accounts where they admitted they didn't have the original CCA and so said they would no longer pusure the debt! So firstly thanks to all on this forum for what they do - this stuff does work! However, her Littlewoods account sent back this http://i413.photobucket.com/albums/pp213/goldenapplecorps23/100315CCAScan.jpg From the little I know, I suspect this one is enforceable but can someone better versed in all this let me know what they think please. Thanks in advance.
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