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rreeves2682

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About rreeves2682

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  1. I recently wrote to Halifax requesting a signed copy of the credit agreement... this is what I got in reply... I can advise that on the 11th Aug 2009 we sent you a copy of the reconstructed version of the executed agreement comprising both the original and current terms and conditions. By providing this information we have fulfilled our obligation under section 78 of the consumer credit act. The regulation define what a is required of a “copy”. Whilst regulation 3 provides “every copy” of an executed agreement… shall be a true copy”. Regulation 3(2) (b) provides that a copy can omit
  2. I recently wrote to Halifax requesting a signed copy of the credit agreement... this is what I got in reply... I can advise that on the 11th Aug 2009 we sent you a copy of the reconstructed version of the executed agreement comprising both the original and current terms and conditions. By providing this information we have fulfilled our obligation under section 78 of the consumer credit act. The regulation define what a is required of a “copy”. Whilst regulation 3 provides “every copy” of an executed agreement… shall be a true copy”. Regulation 3(2) (b) provides that a copy can omit
  3. This is great... Thank you cerberusalert. I'll get this off today Will keep updating as I'm sure I'll need more help this one. :o)
  4. Halifax have failed to send me anything with my signature on yesterday i got this reply from them.... Does anyone have a template letter i can post back to them... they are causing so much stress According to our records we supplied copies of the agreement in place at the time account was opened and the one currently in place. By providing you with these copies, we satisfied our obligation under section 78. At the moment we are unable to provide a copy of the signed application form. However we can confirm our procedure has always been to obtain our customers signature to an agreeme
  5. Can anyone shed any light... I really need some advice on the following.. I have written to Halifax to request a true copy of my credit agreement. I have been sent a letter from them it reads.. Thank you for your statutory request for information in respect of the above loan agreement. please find enclosed a signed copy of the executed agreement. PLease find enclosed a state,emt of your acount. This provides the other information you require. They have infact sent me a Preference Account form stating only my name and address there is nothing on the form that states how much t
  6. CAn anyone help with this one... (have been sent a photocopy of a preference account) I recently wrote to Halifax requesting they supply me with a true - signed agreement. This was sent on 16th June, This was the 2nd letter requesting the CCA (first letter sent 28th May) never heard a thing, i finally got a letter from them last week 09/07/2009, thanking me for my request for information in respect of the loan. please find enclosed a signed copy of the executed agreement. (they have also supplied a statement of the account) The weird thing is my request was for a loan and the ''signed''
  7. Thanks for your advice – I have never done anything like this before, nor have I ever been sent a letter by a collections agency. I got the loan in 2006 but don’t actually remember signing anything, I have just popped letter 2 in the post! They have been ringing my mobile for days; I have barred their number from my phone for the time being. As I explained to the guy from Halifax last night - I am under the impression that the account in now in dispute as they haven’t bothered to reply to my cca request. Lets see what response I get from letter 2! Should I stop my monthly direct debit until
  8. I need some advice on the following... on the 28th May I sent off the CCA letter to Halifax, they cashed my £1.00 cheque on the 1st June, I should of received a letter from them on the 16th June (latest) instead of receiving a letter from Halifax I have been sent a letter from Albion collections stating I owe £9262.26 NOW. I phoned the collections agency straight away to let them know that I am still waiting for a response from my letter dated on 28th May, and that I had only spoken to Halifax the day before, I then phoned Halifax again to ask why my account had been sent to Albion (Payments h
  9. I need some advice on the following... on the 28th May I sent off the CCA letter to Halifax, they cashed my £1.00 cheque on the 1st June, I should of received a letter from them on the 16th June (latest) instead of receiving a letter from Halifax I have been sent a letter from Albion collections stating I owe £9262.26 NOW. I phoned the collections agency straight away to let them know that I am still waiting for a response from my letter dated on 28th May, and that I had only spoken to Halifax the day before, I then phoned Halifax again to ask why my account had been sent to Albion (Payments h
  10. Thank you for all of your replies and helping move the thread! - I'll get on with the template letters this evening. Will keep you updated. :o)
  11. Hi N.P I dont have a copy of the agreement, however i am in the process of writing to them myself to request a true copy of the signed agreement, I am paying them at the moment, however feel reluctant to pay this months having had been told it does not comply with the consumer act and is found to be unenforceable. I have written to the loan company requesting the agreement to be sent - i am still waiting a reply (this has just gone over the 12 days the bank has to get back to me) i have had no response to this as yet. I ideally need a template letter to dispute the credit card as i have n
  12. I am new to the site, I recently had a company contact me saying they can see if a loan and/or credit cards taken out before April 2007 could be unenforceable. I sent off the forms for both a credit card and loan, they have recently got back to me stating that they have found the credit card does not comply with consumer act and is found to be unenforceable. I can either pay this company a one off sum of £495 or 3 payments of £175. Does anyone have a template letter i could use to send to the credit card company direct.
  13. I am new to the site, I recently had a company contact me saying they can see if a loan and/or credit cards taken out before April 2007 could be unenforceable. I sent off the forms for both a credit card and loan, they have recently got back to me stating that they have found the credit card does not comply with consumer act and is found to be unenforceable. I can either pay this company a one off sum of £495 or 3 payments of £175. Does anyone have a template letter i could use to send to the credit card company direct.
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