Well, with the help of this site all can be done without these companies, I am in the process myself. I would rather donate to this wonderful and helpful site than pay one of these companies, which is what i will do as soon as my finances are in order.

Hi, Just recieved a reply to my 2 cca's today and just wondered if anyone could advise me what to do regards this letter which I have recieved for both my credit cards with the bank. I have not recieved any agreement or even a application form. All that they have sent me is a printed terms and conditions which looks like its just been typed up and this letter in both envolopes. Dont know if its just to warn against any action or what. I Have also requested a SAR too and was wondering if I should wait or reply to this letter.

They have not sent me anything with any signature on at all.

Any help would be greatfully recieved

many thanks in advance

http://i386.photobucket.com/albums/oo308/faulty500/consumer%20credit/halifaxletter.jpg

bump

Well ive just sent for my cca's and sar from halifax and had same sort of letter saying my interest rate has gone to 27.95% So who knows

plus 2 £35 charges in the same day for going over overdraft by £18

Your not alone

regards

brooky

Hi dont know if this will help its a template letter off the site

Your Street

Town

City

Postcode

DATE HERE

Company Name

Road

Town

City / County

Postcode

Dear Sirs

Harassment by telephone

FORMAL COMPLAINT UNDER THE CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

Yours faithfully,

[NAME HERE] (type don't sign)

Hi all, After reading hundreds more posts on the forum I am a little worried that I have sent my cca requests off wrong. I have sent the cca requests off using the letter template on the 3rd of june and they have been delivered. The thing that worries me is that I have not signed the cca request as people say but I also have not printed my name in pen ( just done done it on the computer). Also I have sent the postal orders off without them having a name on them. I am now worried that they may just send them back as being incomplete. Could anyone please advise me if I have done this wrong or am I stressing for nothing.

Also yesterday I recieved a letter saying my interest rate is going up to 27.95 % variable when im sure when I took the card out it was supposed to be 17.9 % for the life of the card, can they do this ?

I have had these 2 cards with them around 9 years and have always paid the minimum, never defaulted and previously remortgaged to pay them off. What a great help they are.

Many thanks in advance for any help recieved and like you say the more posts you read the more you learn

Kind regards

brooky

Dont know if anyone has posted this, but this is an interesting read

Crackdown on debt loophole swindlers | This is Money

Well letters sent and delivered, lets see what they come back with

Many Thanks for your speedy response, will update as the request unfolds

regards

Hi, First let me say what a wonderful site this is. So much information in one place is great. I am currently starting with the request for cca's from 2 credit cards I have had with the halifax since 1999. After reading the addresses for the Halifax I am still unsure where to send these requests to, regarding not sending to a P.O Box for recorded delivery purposes and also I am under the impression that I should not sign any of these requests, Is this the case ?

Many thanks in advance and I keep you up to date as the case unfolds.

Regards