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Howler14

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About Howler14

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  1. For Information there is no copy of any agreements, and no communications before may 2007. I'm going to write to them, as many of the requested elements have not been supplied, so I'll add that the the letter too.
  2. Interesting response recieved to a Subject Access Request. Tesco Personnel Finance have admitted in writing that my original application form is not available. This is now the second time they have done this.
  3. Does this letter have to be signed as I have had a response from Tesco Personal Finanace stating that I forgot to sign it. Egg processed it with out a signatute.
  4. Recently sent a Subject Access Request to Tesco Personal Finance, they returned as I hadn't signed, do I sign or not.... The big question.
  5. Well I took the approach of totally ignoring anything that didn't come from Tesco Personal Finance. May to July was Triton, starting with the payment demand, and progressing to the notice of legal proceedings but never anything more than a letter or phone call (which I just hang up to). In August we had the Green and Co solicitors letter, ignored this too. This stated they were going to commence court proceedings, nothing yet. According to the Law Society these don't exist, interesting. Now we have Allied international Credit, these are idiots my account is with Tesco so they
  6. Turn up for the books here, I have found my original new credit card pack for Tesco. It bear no relationship what so ever to the information they sent me.
  7. Today I recieve a letter from Triton Credit Services demanding immediate payment.
  8. Today, I have recieved a letter from Tesco Personal Finance stating that they have terminated the account as I have not met the conditions of the default notice. Asked to destroy the card and contact at arrange methods of payment.
  9. I have already made a claim for the PPI and have an offer of all my payments back to the year dot on this, no interest though; as yet I have not accepted as it was a request in that claim that started this claim as I was told by the individual I was dealing with that he couldn't find my CCA.
  10. Feel free to use any of the templates here, but also take into account other contibutors comments that way we should be able to build a good knowledge base for future readers.
  11. Well I wrote to them again pointing out that they have made a mistake, just to be kind as with my case the CCA they have sent me is one they issued about a year ago. I have never recieved the original document issued when I took out the card. But for my action all I got was another copy of the same letter. I'm currently preparing documents for a defence, and deciding whether to wait for them to start the action or to start it myself. Anyone got any thoughs on what is the best action to take.
  12. I replied with the following: Account Number: Your recent reply to my request under section 77-79 of the Consumer Credit Act 1974 I note that you have replied to the above by sending a copy of your company’s current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act. To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement
  13. Place your page images in something like Photo Bucket (Image hosting, free photo sharing & video sharing at Photobucket) then add links to the images from there. That is what I have done.
  14. I wrote the following to Tesco Personal Finance: ACCOUNT IN DISPUTE Dear Sir/Madam Thank you for your recent letter sent to me dated 13 February 2009, the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 29th January 2009. Upon receipt of
  15. I wrote the following to Tesco Personal Finance: ACCOUNT IN DISPUTE Dear Sir/Madam Thank you for your recent letter sent to me dated 13 February 2009, the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 29th January 2009. Upon receipt of
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