This is not a CCA? HBOS credit card

[berrylover]

I wrote to a credit card company asking for a CCA. The 12+2 is not up until 18th of july but they have sent me back a letter which says:

 

Dear Miss XXXX (obviously that is my real name )

 

Thank you for your statutory request for information with respect to the above agreement.

 

Enclosed is a copy of the executed agreement.

 

As at the date of this letter:

1) The balance of the account is £1796.61

2) The credit limit is £1500.00

3) The current interest rates are 20.83% per annum for purchases, 20.83% per annum for balance transfers, 20% for cheques and 20% for cash advances (19.9% apr).

4) The arrears on the account are £141.21

5) The amount currently payable by you to reach us by 4th July is £36.03

6) Further payments will be payable each month at the rate of 2% of the balance outstanding or £5, whichever is more.

 

Please note that the information we have provided you with is all the information we are required to provide you with Under Section 78 of the Consumer Credit Act.

 

Yours faithfully,

 

blah blah blah

 

 

and they have sent me a recent copy of a credit card agreement which is unsigned and a poor copy of my original application form which is signed.

 

 

Now I have looked through and surely if they have just sent the application form which has no prescribed terms on it that is not my CCA. Am I right?

 

I can scan a copy of what they have sent me if it helps.

Edited July 10, 2008 by berrylover

[Captain Spaulding]

Hi,

 

Who is the collection agency thats dealing with the alleged debt? A copy of a current agreement is worth as much as used toilet paper. You will have to post the 'application form' up on here so people can check for the right terms, then you can get some answers and directions on how to respond

[berrylover]

Its not a collection agency, its bank of scotland credit card.

 

Scanned copy, and if you can read any details (name address etc) dont worry, they are all different now.

Edited July 9, 2008 by berrylover

[Captain Spaulding]

So RBS has not passed it to a debt collection agency right?

 

Great for posting it, can you make it bigger - I cannot see anything thats written

[berrylover]

No its still with bank of scotland. I asked them for a CCA and that is what they sent me. I will try and make it bigger. Will post it up when I have ok.

[babybear39]

You should blank out your details because DCAs and banks frequent these forums

[berrylover]

Thanks then. So DCA's look at this site? What the heck for? To see how much we are laughing at them?

[Captain Spaulding]

Haha, more like to try and bridge the gaps and find more sneaky, unlawful ways to go about business!

[babybear39]

DCAs, banks and financial institutions all frequent this site to gain any advantage or forwarning of what people are doing.

[Captain Spaulding]

oh and that too....

[berrylover]

[Captain Spaulding]

 

Still no good I'm afraid, cannot read any of it... Make it humongous!

[babybear39]

Can you upload it to photobucket or similar then post the image html here please?

[Captain Spaulding]

The picture is in photobucket, just needs to be made massive...

[babybear39]

Oops :o

[Captain Spaulding]

Did my previous post sound a bit sharp, sorry really was not meant how it sounded...

[babybear39]

No worries I was having a blond one

[berrylover]

I am trying to make it huge and am failing misserably (said the bride to the groom on their wedding night!)

[IdaInFife]

righ click on the pic in photobucket, then click on copy shortcut.

 

 

that way when we click on link we can zoom bigger

 

 

idax

[berrylover]

Edited July 9, 2008 by berrylover

[berrylover]

Have I done it? Probably not

[cymruambyth]

Sorry I can't help but no it hasn't worked yet!

[berrylover]

I'm sorry I cannot seem to make it any bigger. Someone who knows what they are doing is welcome to copy the picture in the thread and blow it up if they want to and then re-post it.

[berrylover]

Anyone able to increase the size of my scanned piccy? Please?

[Guest forgottenone]

DCAs, banks and financial institutions all frequent this site to gain any advantage or forwarning of what people are doing.

I can vouch for that. I also consider it a form of harassment. Although, what could be done am not sure ...

 

Might I make a suggestion, as even with my 20/20 vision feels like I have severe myopia ... If you have scanned that image with the lid of your scanner open it will cause distortion eg blurring as it needs to be done in an enclosed, darkened condition in order to achieve true resolution. Don't know if you have, but looking at it ... it has all the telltale signs suggesting that.

 

Whichever, afraid you will need to re scan, upload it to photobucket. Apart from that don't know what to suggest ... unless that's how you received it in it's original state?

 

PS I am not being sarcastic, just helpful. I've done the same thing myself with scanners ... and I am not in anyway a Ludite with IT.

Edited July 9, 2008 by forgottenone