Help! Is this a valid CCA or not please?

[Having_A_Knightmare]

Did you get any original terms and conditions

[Having_A_Knightmare]

Write to them and tell them they are still in brach of section 77-79 due to the lack of T&C.

 

See what they come back with

 

Something like below will be ok for now.

 

Re: Consumer Credit Agreement 1974 Request

 

Thank you for your letter dated 26th September 2007.

I must inform you that you have yet to present all the information required.

The sections pacifically states that all documents mentioned must be presented. The original terms and conditions which form an integrated part of the agreement are missing.

I must remind you that until this information is made available the agreement is still in default and any action taken by you to enforce it will be in breach of section 78 and will be reported to the appropriate authorities.

You’re faithfully

[Having_A_Knightmare]

I think the delivery thing is OK

[Having_A_Knightmare]

I dont agree.

 

Section 78(1) says and all other documents. T&C are a key piece of info.

 

They are still in default under section 78(6) so they cannot enforce the debt.

 

HAK

[Having_A_Knightmare]

I know what you meen with Judges nowerdays:confused:

[Having_A_Knightmare]

The APR is good point.

 

If you look at the below post and work your way from the recent thread there is info on there.

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html

 

HAK