chunkyj Vs C. L Finance

[chunkyj]

CCA sent on the 16/1/2008.

Letter sent today with a copy of my application form and two years worth of statments all since I entered into a DMP and there are no charges or insurance shown on these statements (funny how they did not go back to the ones with charges and ppi on them!) still it is not a cca just an application form, Will post this tomorrow if someone can take a look for me that would be great.

[Guest louis wu]

I'm sure someone will be able to have a look and give you some advice.

 

louis

[clutchingatstraws]

Anywhere near posting this one?

[chunkyj]

http://i245.photobucket.com/albums/gg63/chunkyj-photos/clfin.jpg[/img]

 

Here is what I received from C L Finance the other day.

[clutchingatstraws]

To me this agreement is potentially enforceable, do you know how much of the balance is charges and ppi.

 

I know they haven't provided statements yet.

 

Were you a student or self employed when this account was opened?

[chunkyj]

I was working when this account was openend and I know for a fact that at least £700 is ppi and I am sure there are probably at least a few hundred pounds in charges too.

Should I send them an SAR??

[clutchingatstraws]

I woul sar this one

[pt2537]

Yep i tend to agree with a sar,

 

however, can i ask did you take credit when you opened the card,IE when you signed the form did you spend on it there and then?

 

also did they send you any details on cancellation rights?

 

can you let us know as it may be highly relevent

[chunkyj]

The account was opened in 1998 and I can't remember if they sent me cancellation rights or not but I am pretty sure I spent some of the credit on the day the account was opened.

What does this mean??

[chunkyj]

Just been racking my brain and I def did open it at the till when I purchased something so yes I used it the day it was open

[chunkyj]

Can anyone update on this following last week??

[clutchingatstraws]

What happened last week?

[chunkyj]

PT2537 had asked if I had used the accounts when I opened them etc and I wasn't sure if this was relevant to me sending the SAR ?

Should I just go ahead and send it or does the fact that I used the card on the day of issue have a bearing?

[clutchingatstraws]

I would send the SAR

 

I think PT2537 may have something up his sleeve regarding cancellation rights but that is just a guess.

[pt2537]

The reason i asked was that the cancelation rights were stated as not being applicable where credit was given when the account was opened, IE if you used the card when you opened the account.

 

the agreement could have been unenforceable if they failed to send you cancelation rights however it said clearly that cancelation rights dont apply where credit is advanced

 

so if you used the card on the day you opened it then its irrelevent

[clutchingatstraws]

Thanks PT

 

SAR them to reclaim the charges and if the ppi was miss sold I think you can claim that back too.

[chunkyj]

ok that's great guys thanks

I will send the SAR tomorrow and keep you posted

Thanks

[clutchingatstraws]

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html?highlight=ppi+miss+sold

 

This may be of use

[chunkyj]

That is really helpful thanks CAS. I will wait until I get the SAR before looking too deeply into the ppi, i seem to recall cancelling this one but I had so many who knows!

Thanks again for your help