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bcfc4ever

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About bcfc4ever

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  1. Thanks, it will be good to give them something back to think about for once
  2. Hi Thanks for that. Ive got the letter. Im going to send it as it is. I wont put anything in about PPI, because that will confuse matters I think Fingers crossed! Thank you for your letter of xxxxxxxxxxxxxxxx to my request under the Consumer Credit Act section 78. In your response you confirm this as a true copy of the original agreement executed by yourselves on the xxxxxxxxxxxxxxxxx As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer Credit Act 1974 and would therefore only be enforceable by a court under s65. Ho
  3. Finally, I have drafted this letter to send off. Let me know your thoughts I wrote to you on xxxxxxregarding the above accounts and received a response from you dated xxxxx which therefore means that these accounts remain the subjetc of a lawful serious error My request for a copy of my properly executed Consumer Credit Agreeement remains outstanding. You have failed to comply with my request ; instead you habve supplied illegible copies of application forms fir Account Number xxxxxxxxxxxxxxxxxx and xxxxxxxxxxxxxxx The act demands that I be supplied with a true copy of any pro
  4. Thanks for that. Ive done my homework:), and hopefully answered your questions one account signed on /before 2006? These are two Accounts. Personal Reserve was signed in 1998. BudgetCard was signed in 1993 are there prescribed terms in the T&Cs they have sent? Or is to such a poor copy that even looking at what they sent, its still not legible (which on its own would make the account unenforceable) They have sent me T&C's for the Personal Reserve, and the copy is illegble. I can just about make out a note on Interest Rate which says the rate before September 1996 is 14.9
  5. Hi there, Thanks for that, My thoughts were that the agreements I posted wasnt defective. However I think that the other two they sent me are defective. No prescribed terms, interest rate etc etc. Could you give me your opion on these two and let me know whether you think Im correct in thinking these are defective. Here are copies of the other ones- they didnt send me copies of the agreement, just copies of the application form With regard to the PPI, my approach on this is straight forward. They didnt ask what my circumstances were, they didnt check the suitability of the product. Ive
  6. Hi can anyone help with this at all??????
  7. Thank You. Can anyone help on this at all?
  8. Hi I need some help I got into some financial difficulty a long time ago, and Ive been trying to pay off my debts since then. I have a number of debts that have gone to dca's and Ive been paying them and increasing payments when they asked. Some of them I can handle, but some of them are way too agrressive, so I decided to try and do something. I have cca'd ( think thats the right term) 3 of them and I have received back the following I have also received back 2 application forms ( Not the agreements) with standard terms and conditions. One of them has PPI Insurance I request
  9. Hi thanks for that. No they didnt move me onto a more card. Ive received copies of my application forms today, along with photocopies of the terms of use ,and a brief statement of transactions( which I didnt ask for)- all of this was requested back on 2nd of december. The copy theyve sent me is quite poor, and Im sure that the agreements theyve sent me are unenforceable. Ive been paying a dca on these for ages, and Im just looking where I can go next with this. Any help would be appreciated
  10. Hi, Ive just moved this thread to this forum, because I think it makes more sense here than in the General Consumer Section I would be really grateful for any help you can give me Ive CCA'd Rockwell for 3 Marks and Spencer Accounts that go back to 1993. I CCA'd them on 2 December 2009, and had 2 repsonses today, so they are outside of the 12 day period. Im still waiting for the third Ive also had a letter from Marks and Spencer direct asking me to sign a letter confirming my address(Ive moved since the account went to Rockwell) - Im not doing it, because I dont trust them
  11. Hi, Ive just moved this thread to this forum, because I think it makes more sense here than in the General Consumer Section I would be really grateful for any help you can give me Ive CCA'd Rockwell for 3 Marks and Spencer Accounts that go back to 1993. I CCA'd them on 2 December 2009, and had 2 repsonses today, so they are outside of the 12 day period. Im still waiting for the third Ive also had a letter from Marks and Spencer direct asking me to sign a letter confirming my address(Ive moved since the account went to Rockwell) - Im not doing it, because I dont trust them
  12. Hi, just thought Id update you. No agreement still form Hillesden. No payments made since December. Theyve just sent the " we'll get back to you letter" I'll let you know how things progress
  13. Hi, I would be really grateful for any help you can give me Ive CCA'd Rockwell for 3 Marks and Spencer Accounts that go back to 1993. I CCA'd them on 2 December 2009, and had 2 repsonses today, so they are outside of the 12 day period. Im still waiting for the third Ive also had a letter from Marks and Spencer direct asking me to sign a letter confirming my address(Ive moved since the account went to Rockwell) - Im not doing it, because I dont trust them Whats my next step? From what I can see theyve only sent me copies of the Application Form and a copy of the Direct Debit M
  14. Thanks for that. I will post a copy of the agreement if they ever manage to produce one-even if they do it will make interesting reading
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