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joanne5865

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About joanne5865

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  1. Thanks for your reply. Link haven't sent me anything to say they are in control of the debt. I am asking for advice as to if the agreement allows for reporting? I wasn't sure if the application forms part of the agreement for three reasons: 1. it is not regulated by the Consumer Credit Act 2. it is not signed by both parties (hence not being accepted by the creditor) 3. I don't know if the notes headed "important information" is on the application. The CCA clearly shows pages 1of2 and 2of2 but the application does not. Any further advice is welcome anyone?
  2. Here is the CCA and Application. My concern is the CRA's Thanks [ATTACH=CONFIG]43510[/ATTACH][ATTACH=CONFIG]43509[/ATTACH][ATTACH=CONFIG]43512[/ATTACH][ATTACH=CONFIG]43511[/ATTACH]
  3. Hi, I have an on going dispute with Link Financial. Link say they assigned the debt from GE Money Home Lending but have to date not shown any proof of assignment. They have however provided me with a copy of the Application form and a copy of the CCA from GE Money Home Lending. The main problem I have with Link is that they are recording adverse data at the CRA's yet the CCA and conditions do not allow for any recording at CRA's. Link have today written to me and said that the application form states that they can report to the CRA's yet this document does not form part of the CCA and is not h
  4. Thanks for your help, I have now read the Act and will be able to quote section 32C in my defence and counterclaim. Joanne
  5. I have a similar problem with PPI is there legislation that allows me to claim back to 1998? Thanks Joanne
  6. Thanks for your speedy reply, is there anywhere in the Act that deals with this issue? Joanne
  7. I have a CCA with a ticked box for PPI, I claimed on the insurance and they only paid part payment. They said the policy was capped and thus only paid to the capped level, my issue is they took full premiums without any further benefits. CL finance have now assigned the debt are they reponcible for the insurance side of the CCA?? Any help would be gratefully recieved. Thanks Joanne
  8. Does a deed of assignment need to be witnessed and dated at the signature page. And can the same attorney sign for both Santander and CL? Many Thanks I apprecaite any help anyone can give.
  9. I had an store card account with GE Money and they changed the account number without my knowledge. They have provided a CCA in the original account number but are taking legal action in the second account number. They say they changed the account number because the card was lost or stolen but i have no recolection of this. Can anyone tell me if they should have modified the agreement or if this is ok for them to do? Many Thanks I appreciate any help.
  10. We too are having some issues with this number 01772220126 The Main Reception Number for Iqor is 01772 832 188, she won't give the company name but at least asks for a reference number.
  11. http://i638.photobucket.com/albums/uu105/m1bos/SainsburyCCA.jpg This is the letter, a bit over the top considering I only made a simple request for the CCA!!
  12. Thanks, thought it wasn't right, but as a newbie, wanted a 2nd opinion. Sainsburys also sent me a charming covering letter, saying the agreement is fully enforceable and they will not enter into any further correspondence re this matter. Also enclosed a copy of their current T&Cs. Will send them the 2nd letter tomorrow and keep you updated:) Thanks again
  13. I have just received my CCA from Sainburys Bank, can anyone tell me if this CCA is enforcable. Many Thanks
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