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About circatrova

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  1. Thanks Bazaar,your 2 bobs worth is most welcome, and is a very sensible synopsis,I just find that after reading so much on here,my mind sometimes spins and I am unsure of most effective way to proceed. Much Appreciated Circa
  2. Thank you Slick ,I totally agree with you on the CCA impasse,and I know some of this work is somewhat pioneering as maybe with CPR in this context,I just find the impasse and B/C total lack of sensible communication very frustrating. I like difinitive answers and know now that in this case it is not always possible,the banks truly are a law unto themselves. You response does give me an alternative line ,so I will now chew over and make a decision and act on it. So thank you for help it is much appreciated. Kind Regards Circa
  3. Many Thanks Slick, You say If you're going to try the CPR 31.16 route,can I ask what other options/directions are open to me? I have read the thread you suggested and whilst it makes fascinating reading I found it to be somewhat ambiguous and inconclusive, with the costs issue seeming a real danger,I say that respectfully as i know the subject was intelligently debated. Cant find much other giudance to follow the last letter from B/C ,if there is no other routes to follow at this time can you please let me know so as to make a decision on what to do next Your Help much apprec
  4. Hi Slick,Happy New Year Thanks for the link to the thread,is this the right area to formulate a response,I find alot of this difficult to understand and could do with an explanation in laymans terms Can you recommend the correct response to to the B/C letter containing the first heading HOW DOES THE ACT DEFINE AN 'EXECUTED AGREEMENT'? Stuck what to write next,what line does the argument take? Regards Circa
  5. Hi Tosh,thank you for that.Can I ask if your letter/response to B/C has been tested ,have you had a reply?Has the author of this letter had a positive response? I am not familiar with Civil Procedure Rules ( Pre action protocols and Part 31.16),is this to be used if you are bringing legal/court action as a claimant?and can it only be used in this context,in other words: do you have to start action to use this protocol?. I am really confused by the gobbledegook they have sent me and cant see how this mitigates the illegibility issue of the T&Cs they have sent me., Thanks again f
  6. Hi Slick, Sent off the letter as suggested and pointed out that illegible photocopies of T&Cs is not sufficient and got this reply ,can you please help ?. Any idea what to send next, Many Thanks in advance Circa I write further to the letter whereby you note disatisfaction to the documents you received to a request made under section 77/78 of the consumer credit act 1974 Firstly, credit cards are regulated under section 78. Section 78(1) of the act stated that the creditor shall give the debter a copy of the excuted agreement and a statement of account which is practicabl
  7. Yep thanks for that Bazarr,but Slicks letter also confuses me with the legal speak from the Consumer credit act/law. Thats why I asked for a brief description in Laymans terms to the part I had Highlighted. Or if you can point me to the correct letter in the templates libruary,(maybe a more concise version)because I do not understand which bits are relevant to me in Slicks letter, Hope you can help me , Many thanks
  8. Hi Bazaar,thanks ,had a look cant find anything suitable,would you be kind enough to help. Many Thanks, Circa
  9. Hi Slick,thank you for your help,can you just clarify for me: Iam I understanding the item correctly under what may be omitted? Siginature?,is that correct that a signiture or signiture box as in, "The regulations state: (2) There may be omitted from any such copy- (a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations thereunder as to the form and content of the document of w
  10. Hi Slick finally got a response from B.C . As I have 2 CC accounts I requested 2 copies of CCA one for each account . They have sent a very poor photocopy of a leaflet with terms and conditions on it,there is nothing filled in by anyone and obviously no signiture from myself.I dont think I need to post this up for acknowledgement of it not being the true agreement,but can you advise me on what next,are there any good letters to send when there is no proper CCA in place?. On the second account they sent a letter saying they needed more to for their investigations. All would be apprecia
  11. Fozzybobble,thanks for a sincere reply,sorry about typo 43 should read 34,but your reply made me laugh an I take your point. Good luck with your Moorcroft ,your letterhead cracked me up. Kind Regards Circa P.S and yes my credit rating is also shot !
  12. Hi Fuzzybobble, I do enjoy your posts.Obviously cant help but notice what outstanding success who have had on the DCA front,ie Fuzzybobble 43-DCA 0. What I want to ask you,its a bit awkward,and dont know how to phrase,because I definately do not want to offend. Have you had such a high level of success,because you credit reference file is lets say not perfect,for e.g if someone already has a CCJ or more then the DCAs threats of court action and subsequent CCj are fairly meaningless and I read on the forum somewhere that if you already got CCjs then they dont bother chasing as hard
  13. Paul,Good Afternoon, Thanks again for detailed intelligent reply. I totally agree with the reasoning behind stopping payment,its just I know their administration is very very poor or sinister or both and that they will just keep adding charges and interest,and its all the work/energy thats involved undoing all that incompetance. Good luck with yours, Kind Regards Circa
  14. Paul,Thank you very much. Your second letter is v simular to the last one I sent. So will construct something along the lines of your 3r and see if that helps. Thanks again for a prompt and helpful response. P.S May I ask if you continued to make payments on the account whilst in dispute as this is another area where there seems to be confusion as the right thing to do,either morally or in view of any future potential litigation. Kind Regards,. Circa
  15. Paul Hi, I have exactly the same situation with B/C ,can you give me any advice as to the outline of the stern letter that finally got a response from them,as the have just totally ignored all my recorded del requests for a CCA,laterly using a Curly Ben letter that I thought would do the trick,but no luck,the arrogance is staggering. I am frustrated to say the least. Any help much apprecited, Regards Circa
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