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About xma

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    Basic Account Holder
  1. Yes, after looking into what a real CCA agreement looks like I have to agree.
  2. I will do that in an hour or so Hi, The file is attached and as already mentioned this document has had my name and CURRENT address where I have lived for the last 5 years only on it. There is no credit spending limit and neither does it state that spending is unlimited. danskebank.pdf
  3. Hi, Saturday 15th Sept I received a reconstituted copy of the original CCA agreement. As mentioned in an earlier post since this bank replied to my initial request stating they were unable to retrieve the original agreement I had a phone call more or less saying I would be hearing from them. I am hoping you can advise me on the validity of the reconstituted document provided... Please correct me if I am wrong but it is my understanding that reconstituted CCA agreements must meet certain requirements. The document they have provided bears no signature, which they claim is not necessar
  4. Hi, Since my last post I have now received a letter from this bank informing me that they are looking into my complaint, assuring me of the 'very high standards they set', that they hope to get to the bottom of things within 20 days, but if they do not will write to inform me they are trying hard, or something to that effect. Today I again received the monthly statement for this credit card along with a default notice stating if the arrears are not paid within 21 days they might choose to terminate the agreement and demand full payment. They go on to say they may instruct a collecti
  5. Sorry only noticed your post today. Danske Bank and it is a credit card debt
  6. Hi, Since last time we spoke the only form of correspondence received from this bank has been their credit card statements asking for the monthly payment with notes including demands for payments to be made and notification interest charges were still being applied. I wrote back informing them that as they failed to provide an original copy of the CCA agreement the account was in default and unenforceable and I would not be making any further payments to the account while it remained in default. Yesterday I received a phone call from one of their staff asking questions attempting to
  7. Hi, I checked my credit file this morning and nothing had yet been reported on it. I may have misunderstood what was being said... "As required under the Consumer Credit Act we have included a Notice of Default Sums in relation to this charge". This note was included on my monthly cc statement because I stopped paying last month after sending the initial CCA request letter which they received 3 days before the payment was due. As mentioned earlier I assumed that once they had signed for the letter that the account was then in dispute. The only other time I failed to meet th
  8. Okay, thank you and please forgive my ignorance I will start a new thread next time.
  9. Thanks for your reply Andyorch but isn't there a need to confirm my position on the matter? I ask because I have seen letters others sent to DCA's explaining their rights, what and what not the DCA can do when an agreement was not provided. This bank has obviously not accepted the account is in dispute so should I not write and insist they remove the information they have placed on my credit reference?
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