Hi, i have been reading your request for your cca with Halifax, just wondering the out come, i began mine with the Halifax 2 months ago and by God they are now making my life hell, letters, phone calls even text messages, they are brutal!!

Are you able to post the copy they've forwarded?

Hello,

I requested my cca from Halifax which arrived today, though it doesnt look anything like a agreement, just a few sheets of paper with terms and conditions printed on them, my signature is nowhere on it and they are saying thats all they need to supply me with and no further correspondance will be entered into, are they breaking the law?? I am confused, i thought i was supposed to get my TRUE copy. Any advice, thanks

Hello,

 

I would be extremely interested to hear from all caggers regarding their experiences of obtaining true copies of their credit agreements after sending a legal request under section 77/78 of the cca 1974 to the rbs/NatWest.

 

It is my experience that they are extremely reluctant or have mis-placed, lost, disposed of these legal agreements.

 

If enough evidence from customers is obtained, it is my intention to provide this evidence and submitted a mass complaint to the oft and the fsa, and hopefully, rather than tell us they will not investigate individual complaints, but pull their finger out and really investigate this matter and fine the pants of them:grin:

 

Thanks in anticipation:-D

Hi, i recently received my CCA from the Halifax, which is a few sheets of paper that has come out of a printer, my signiture isnt even on it but they are saying they dont need to provide my original copy. Any ideas??

12+2 working days

 

There are mixed feelings about the letter follow up. While there is a template I believe it is a waste of time as they know, or should know, the LAW! They are supposed to be the professionals.

 

GK

Hi, my so called CCA arrived today with a very snotty letter. But it doesnt look like a CCA, its just a computer printout of terms and conditions, my signiture is nowhere on it and it stated in the letter and i quote " The copy of the agreement enclosed with this lettercomplies with the requirements of the consumer credit (cancellations notices and copies of documents) regulations 1983. Regulation 3 (2)b provides that a copy can omit any signature box,signiture or date of signature. In summary we are not required to produce a copy with your clients signature on it. By providing a copy of the agreement complying with the requirements of the regulations the agreement remains enforceable" It then goes on to say the will have no further correspondance with me on this matter.

Anyone got any suggestions, thanks

Hi Vixx,

 

I would suggest a more productive route would be to try CCAing them and looking at the agreement.

 

GK

Hi, thanks for your reply, i have already requsted my CAA, sent with postal order and have had no reply, how much time do they need to reply to my request and does anyone have a letter template to send to them after the time has elapsed, Thanks

Hi just joined forum today and i really need some advice regarding irresponsible lending from my credit card provider.

Years ago i took out a card with had £1000 credit limit, i had no children and lived with parents and had a full time job, finances were good.

Now 8 years down the line i have a house, 2 small children and only a part time job but the bank has seen it fit to increase my credit limit to nearly £13,000 which is maxed out due to having to pay my monthly card bill from my credit card. When i cut up my card to prevent me from using it i was suddenly bombarded with credit card cheques, some i used to prevent me from going into the red, little did i know the huge intrest rate that comes with these and my repayments have gone through the roof, i have struggled for years and now can no longer afford these repayments. What i would like to know is do i have a case against the bank as i was never asked if i could repay the thousands more they gave me, when i did contact the bank about not increasing my limit i was talked out of it. The OFT points out that banks must make checks to ensure the debtor has the means to repay, though no checks were ever made. What is my options, please help