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Pentax

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  1. Hi, Yes, that's exactly what I got (see 'will someone please check these Halifax docs') My own take (fwiw) is that they have complied with the CCA78 request, and that the account cannot be held to be in dispute. That, of course, is not to say that they have the original signed document - which is the nub of the matter for me. If they have it, I pay, if they haven't got it, I don't. It's the finding out that's the tricky bit Having said that, I might have inadvertently discovered a way to obtain it (if it exists) I won't say more at th is stage because I've been p
  2. Hi, I have the original agreement (cardholders copy) that was sent to me to me with my first Halifax credit card in 2003 (the credit card was stuck to it) original_agreementt Photo Gallery by Lastlight at pbase.com Everything appears to be in order - except that there is no signature/date, or space for signature/date (except in the cancellation box) I might be clutching at straws here, but *should* this original copy of the agreement contain a signature in the same way that (I suppose) the agreement held/not held by Halifax does? Put simply - should this agreement be a
  3. Hi, I have the original document to which my first Halifax card was attached when it arrived in 2006. This is headed 'Credit Agreement Regulated By The Consumer Credit Act 1974' - and is, I presume, identical to the one that I probably signed (honestly can't remember) and which Halifax may, or may not have, on file. The wording is identical to the 'true copy' apart from one instance of the interest rate applicable for cash advances - 25.5% on the original, and 25.4% on the 'true copy' Now, I know that no court would regard this small discrepancy as significant - and, in fac
  4. Lee & djc, thanks for your replies. I've read every post in the thread that djc recommended, and find it fairly discouraging - but it also contains some wise advice about proceeding with caution. I've given the matter some serious thought. Lee, your response from HBOS is indeed identical to mine (except that they had the courtesy to address you by your name - I have been downgraded to just 'Dear Sir/Madam ) Obviously, what we both want is proof (or as near to 'proof') as we can get) that they don't have a properly executed & signed copy of the agreement tucked away
  5. Thanks in advance - Just to recap: Have one Halifax CC, taken out in 2003, no other loans or agreements with HBOS. I applied for my CCA, just received what they assure me is a copy of the 'executed agreement' They go on to state that they have provided all the information they need to meet the requirements of Section 78. The docs are certainly not copies of originals, they seem to have been just typed up and have no company logo, no dates, and no signatures of either party. Further, they sent two copies (which I have uploaded as 'Document One' & 'Document Two'
  6. I'm a bit curious about the motivation of those who, like myself, are taking on the banks and loan companies - and, in particular, HBOS. Obviously, the bottom line is money - or the lack of it but I wondered if anyone else felt that there are wider issues involved. In my case, I have to admit that I greatly dislike Halifax/BOS. I've had my credit card for six years and have never missed a single monthly repayment - but one one occasion last year I genuinely forgot to cough up in time for the money to reach them on the due date. The payment was, in fact, three days late i
  7. Thanks Milly - not feeling alone in this sort of thing is very important to me (and, I suspect, to most people) I'm curious about the 'lifted' signatures - presumably, it would be difficult to prove? I had wondered about the wisdom of sending *any* signed letter - even signed by a relative with a completely different style. On the other hand, if loan companies are prepared to forge, then they might well be sharing authentic signatures between themselves - even if on an 'unofficial' basis. If that was the case, my letter with the 'wrong' signature might well head 'em off at
  8. Thanks Milly - what happened to the 30 days? What happens if they produce the signed agreement withing thirty days (or at any time in the future)? - I suppose that means that the agreement is back on again? Interesting point about the signature. I was actually on my way to post a signed CCA request when I suddenly realised that an unscrupulous lender (not HBOS, naturally!) might stoop to forging an agreement if the originall signed copy was nowhere to be found. Probably just my suspicious mind However, I decided to return home, reprint the letter, and get a family member
  9. Hi, Credit card agreement, commenced 2003, no arrears (yet) 13K balance The 12 day CCA deadline for a response from HBOS to my CCA rquest & £1 PO payment (sent special delivery) has now expired (Sunday) and no response has been received from them. So, they are now in default? I understand that they have a further 30 days to comply - should I write to them at this stage claining an account default and withholding any further repayments? I ask because between now and the 30 day dealine, a monthly repayment will become due - and, presumably, if the account is in defau
  10. Still waiting for a response to my CCA request - but odd things are happening Two cheques (so far) totalling about £300 from BOS in respect of 'incorrectly calculated' settlement figures on old loan agreements. The payments are in respect of loans that ended several years ago - no further details, no account numbers, just a couple of nice cheques So - has my CCC request woken them up? are the auditors in?, has there been an outbreak of conscience at BOS HQ? I'm not complaining - and I had other agreements with them that might yield further surprise payouts - but it's a b
  11. Hi, I posted this on the long running 'Company can't provide loan agreement' thread, and was advised to transfer it here - hope that's OK. Hi all, Not sure if this thread is still on-going, but here goes anyway I began by reading the first 40 pages, or so, of the thread - by which time my head was starting to spin a bit. Fast forwarding to recent posts, am I correct in thinking that the doubts expressed by some earlier posters about the effect of later amendments to the 1974 act have not been borne out? i,e, that it *is* still possible to use the 1974 act to ren
  12. Thanks again - I'll start a thread on the HBOS forum. I'll also settle down to read your own saga a bit later - it doesn't look like a 'skim' thread Actually, my reservations about punitive action by HBOS are because the the card is *with* HBOS - I've only been late with on payment, and they were on me like a Rotweiller on a burglar! I always transfer payments from my non-HBOS internet bank account. I genuinely forgot on one occasions, and the payment to HBOS was received by them three days past the deadline. On the third morning (while the payment was still negotiating t
  13. Thanks for a quick reply - what forum would be best?, I'm getting lost in the labyrinths of this site (but, then, I am a bear of very little brain ) It is a 2003 credit card agreement (Halifax) One point you might be able to assist me with - I understand that if the do have a signed agreement, then all is lost. However, as the CC company can, apparently, supply an unsigned copy and *still* comply with my CCA request, how on erath do I find out whether they are keeping a signed copy up their sleeve in order to produce it in court? I also read some posts which indicate that the
  14. Hi all, Not sure if this thread is still on-going, but here goes anyway I began by reading the first 40 pages, or so, of the thread - by which time my head was starting to spin a bit. Fast forwarding to recent posts, am I correct in thinking that the doubts expressed by some earlier posters about the effect of later amendments to the 1974 act have not been borne out? i,e, that it *is* still possible to use the 1974 act to render a credit card agreement unenforceable if the CC company cannot produce a signed copy of the original agreement? I have sent my CCA request
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