Thankyou, that is very helpful

Hello everybody, on this lovely sunny day. I have received from Barclaycard today {after a request for a CCA} a letter stating "The information we must provide to you under the terms of section 78 is prescribed by the Consumer Credit Act AND by the Consumer Credit {Cacellation Notices and copies of documents} Regulations 1983. Under Section 78, we must supply you with a copy of your executed agreement and a statement of account which is praticable to refer. {!!!!???}. They sent me, Terms and conditions, Cancellation form and interest rates. Nothing signed, no sign of my address at the time, nothing. Is this what they should send me for a CCA request??

cerberusaalert............The thing they sent me was a Credit agreement with my details and the wrong address written in by someone else, and no signature.

Thankyou. Good thread.

It was actually 2003 and i think it was online, but am not sure. They are being paid via a DMP at the moment, but the letters they are sending me are saying i'm not paying enough, my behaviour is unjust, blah blah blah and they are getting my back up. They dont know me from adam.......

Yes thats right S. Beat. So what would my next move be? Pay up, or another Template letter?

It was in 2005. Who are JD Williams? They said they were Solicitors.

Hi. Had sent a non compliance of CCa letter to a catalogue company, and today recived this reply from J D Williams " We have complied with our obligations to supply you with a true copy of your credit agreement [THEY DID NOT IT WAS NOT SIGNED]. A true copy is defined by Regulation3 of the CCA 1983. The true copy need not, by law, contain either the signature of the debtor or the date of the signature in our case. No default therefore arises. In addition it should be noted that any failure to comply with the duties set out under section 78 of the CCA 1974, would not constitute a criminal offence in any event following the repeal of section78 {6} {b} by the CCA 2006. Therefore, your claims in this regard are without any legal basis. Having been provided with this true copy there is no basis for you to either allege that you are exonerated from payment under the agreement or that we remain in breach of our obligations under the act. So i can be absolutely clear, is it your case that you : deny any receipt of the agreement deny signing the agreement admit or deny receipt of the goods and service admit or deny performing your account as if you had signed the credit aggreement So that we can consider your claim further please answer all of the above questions. There is a statutory right under Section 10 of the data protetion act 1998 [the act] to require a data controller to stop processing data. A common misconception is that this grants a data subject a general right to prevent a data controller form legitimately processing that subjects data. That act provides no such general right. providing we process data in compliance with the data protection principles in the act you may only request we cease processing where : the processing is likely to cause damage and distress, OR the purpose of the processing is for direct marketing. Your claim that your consent to process personal data was given in the form of a signed credit agreement is INCORRECT. We obtain our consent to process personal data at the time the customer applies for one of our catalogues or opens an account. There is no data protection rubric concerning processing of your data in our customer credit agreement. You DID consent to the uses of to which your personal data has been put. The lack of a CCA, or your signature thereon, is not relevent to the issue. I'm sorry this is such a long thread, but any feedback will be most appreciated x

Oh and it a catalogue account not a credit card.

With regards to the above Littlewoods form, the rest of it was just my name address signature and how many people in household etc..... Its not a CCA is it?

From littlewoods.

Think this is it, with help from my 9 year old!!!!!

mmmmm Copy and paste??

Cannot figure out how to get letter from photobucket to my thread!!!! Help.

Sorry that s wway too small will try again....

Hi Received this letter from Vertbaudet after sendting them the letter template you send after they do not provide a CCA. This is their reply. Does anyone know if Droyds is an inhouse debt collector? Or has this debt been bought by Droyds, if so why ar Vertbaudet still responding? Thankyou.

I have today received a photocopy of my 'original' CCA from Littlewoods catalogue. It is dated 14/09/01, which is correct. It has my name, address, signature etc in my writing. However, it has no date or signature in the box that says "signed on behalf of Littlewoods", so no date or signature from them. Is this still enforcable?

I took out a loan with the Abbey National. It is being collected by Direct Legal & Collections. My question is can you ask for a CCA on a bank loan?

We took out a car loan with Hoopoe Finance in 1999. We couldnt keep up the payments and so handed the car back. We have over the years paid back various monthly amounts, as and when we could afford it. The amount of finance was £10,000.00 ish, so we have been paying this off for 10 years. The debt was passed to !st credit, but then when i queried the amount owed, it went back to Hoopoe Finance and we have been paying them ever since. I got a statement of account today that says we still owe £5,219.00!!! Rubbish. My question is do they need a CCA or not as they are not a DCA, but a finance company.

Hi Fuzzybobble. Am interested in a full and final settlement with a number of DCA's who cant supply the CCA, just to get rid of the debt. How would i negotiate a lower amount? Would it be a case of 'anything is better than nothing?'

Ok. So what can i expect, if i ask for a settlement figure. The debt is a couple of hundred pounds. I've heard that they will knock some off for full payment.

Als they have sent back the Postal Order on the debt for BT and said that i should read BT's terms and conditions, and should there be any areas that i still feel to be in dispute i should contact them, until that the time the outstanding balance is still due. Does anybody know if BT have a special clause in thier Terms and Conditions, that says they dont need to provide a CCA?

Of what i might do i meant to type!!!

Well, thats what i thought, its like they want to be fore warned of might i might do!!!

Hi all. So have sent all my CCA letters off. Today have had a reply from Moorcroft who say they are actively seeking a CCA and will forward it when they get it, and that my account is on hold.However at the bottom of the letter they say 'Please could you give and indication of the information you will be providing, when giving evidence to the Court or providing information to the relevant statutory authoritios, in relation to the alleged subject matter of the account.'Do i have to answer this?Thankyou.