A & L Ppi

[deb4tlj]

CCA sent to A&L on 13th December, signed for by them on 19th December. Just checked my CC account online and they've taken the £1.00 CCA payment off my balance! Do they usually do this? :o

[rory32]

Yes.

[deb4tlj]

Having checked online to download the last 6 months statements from this CC account I now find the account to be "suspended"? Any idea what this means and isn't it funny how it's only been suspended since I CCA'd them ?

[PriorityOne]

How old is this account ? Is it still with A & L or with their in-house debt collectors ?

[deb4tlj]

I've had this CC account with A&L about 2 years now. It's still with A&L although dont know for how long now- I have always paid more than the minimum each month and always on time. I CCA'd them prior to SARring them as I'm fed up of their charges and their interest rate rising appallingly. Just seems really funny to me that they should suspend the account just because I CCA'd them? They signed for the CCA request on the 19th of December and took the £1.00 CCA fee off my balance on the 20th December. I think they're up to something.....

[PriorityOne]

If you're not in arrears, then there was no point in CCA'ing them... A SAR is the one you want re. charges. They have probably assumed that you're about to default; hence the suspension.

[deb4tlj]

Wasn't too sure about the CCA going off instead of the SAR - should have checked on here first I guess! LOL They assumed wrong - I just want my charges back.

[deb4tlj]

These morons are really getting my back up now! Got a lovely letter from them yesterday saying my account was suspended due to my breaking their terms and conditions! A quick explanation;

 

12th December went £2.11 over my limit on the CC

Didn't know about this until the statement came through the post by which time they had added on the following;

 

07/11/2007 07/11/2007 0602PAYMENT - THANK YOU £50.00CR

13/11/2007 01/12/2007 OVERLIMIT FEE (BASED ON BALANCE 1,502.11) £12.00

22/11/2007 22/11/2007 LATE FEE £12.00

01/12/2007 01/12/2007 PAYMENT PROTECTION COVER £12.40

01/12/2007 01/12/2007 INTEREST CHARGED £31.13

New Balance: £1,569.64Minimum Payment: £72.53To Reach Your Account by: 24/12/2007

 

By now my balance is £69.94p over the limit of £1500! I rang them and rang them and all I get is we are right and you are wrong and no we won't cancel the PPI and no we won't lower the interest rate! I CCA'd them on the 19th December and the stinking letter is dated 22nd. I think personally they've taken the hump cos I got snotty with them on the phone - if it wasn't for their damn charges I wouldn't be this much overlimit in the first place! GRRRRR! I made a payment of £73.00 on the 20th December so my balance is now £1485.50. How come I get this snotty letter on the 22nd?

[deb4tlj]

[deb4tlj]

Anybody got a good letter I can send them about their unlawful charges making me go waaaaaaaay over limit?

[PriorityOne]

Well, seeing you as you have sent a CCA request off... I would wait and see it they're able to comply.

[deb4tlj]

Rang these numpties this afternoon in order to cancel the payment protection cover on this CC (seeing as we all know it's not worth the paper it's written on ) and they said, "please hold, have to transfer you to the right department" - they then proceeded to keep me on hold for 20 minutes before finally hanging up on me! This is just making me madder and madder at them now!

[PriorityOne]

Deb.... everything needs to be put in writing. 'Phone calls get you absolutely nowhere and cost you money to make in the first place. The S.A.R - (Subject Access Request) is what's needed in order to re-claim unlawful charges and A&L are unlikely to take any notice of you unless you go through the reclaiming procedures on here.

 

However, if they're unable to comply with your CCA request, they might wish they'd treated you with a bit more respect..... because without an enforceable CCA, you'd be within your rights to withhold all further payments after a certain timeframe and they would be stuffed for the whole balance.

 

As the have treated you so shoddily... and as you've already sent one off, the ball is now in their court.

[deb4tlj]

Well, they signed for the CCA on the 19th December and I'm giving them until the 11th January for the 12+2 deadline - thought I would be generous and allow them time for the Xmas and New Year holiday days.

[deb4tlj]

Received this this morning and have scanned it in to put on here. Don't know whether they've met their obligations or not so would like some advice please.

 

 

 

Also were 4 pages of T&C's headed CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 (although the interest rate in here is stated as 24.9% when the original rate upon taking out the card was 15.9%), a recent statment of account (dated 1st December) and another sheet entitled MAKING A PAYMENT.

Any advice gratefully received.

[Hopeful1]

Hi!

 

Don't know if you've already seen this thread, it may be of some help:

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/105315-my-agreement-enforceable-useful.html

[deb4tlj]

I don't believe it - they've done it again!!!!!!!!!! Made a payment of £73.00 in December to bring the balance below the credit limit and after just checking online, they've added on another £12.19 PPI - which they won't let me cancel cos they keep putting the phone down on me! - and £33.73 interest which now makes my balance over again at £1,543.72!!!!!!!!!! That means there'll be another overlimit charge next month!!!!!!!!!!!!!!!! I can't believe these bl***y people!!!!!!!

 

Got my CCA this morning but it's a barely legible photocopy so I can't tell if it's right or not. I guess I'm gonna have to SAR these muppets next!

[deb4tlj]

Thanks Hopeful, I've read that but it make little or no sense to me. The photocopy they've sent is barely legible with a magnifying glass so I can't read a lot of it - it's as clear in the "flesh" as it looks on here!

[rory32]

It's making my eyes hurt trying to read it. I would point out though that they have to supply you with a legible copy of the agreement.

[deb4tlj]

Thanks Rory - I gave myself a headache trying to read it too! Even tried with one of those jewellers eyeglasses, all to no avail! LOL The bit I find odd though is that it states in the letter;

 

Copy of the Original Credit Card application

 

So have they complied with my request? I don't understand these things - yet!

[Hopeful1]

Thanks Hopeful, I've read that but it make little or no sense to me. The photocopy they've sent is barely legible with a magnifying glass so I can't read a lot of it - it's as clear in the "flesh" as it looks on here!

 

 

I thought it had just scanned badly, as i can't read it! :o

 

As Rory says, it has to be legible.

[deb4tlj]

I thought it had just scanned badly, as i can't read it! :o

 

As Rory says, it has to be legible.

No, Hopeful, unfortunately this is as clear as it gets - I scanned it at 1200 dpi to make sure the copy I put on here matched the one in the flesh.

[rory32]

I would therefore write back to them and inform them that the copy of the agreement as supplied is illegible and as such the account is currently unenforceable.

[deb4tlj]

I would therefore write back to them and inform them that the copy of the agreement as supplied is illegible and as such the account is currently unenforceable.

 

Thanks Rory, anybody got any ideas on how to word this?

[Rtech]

Make up a letter around this...:-

 

The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 SI No. 1557

 

Legibility of notices and copy documents and wording of prescribed Forms

2.-(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the colour of the paper