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Credit Agreement Letter - Is this ok ?


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Me

Halifax Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS

 

 

27th June 2006

 

 

Credit Agreement Request

Account Number: XXX

Dear Sir/Madam,

 

Please can you send me a signed copy of the Credit Agreement for the above account as regulated by the Consumer Credit Act 1974. I enclose a £1.00 cheque in payment of the statutory fee.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities

 

Yours faithfully,

 

 

 

Me

 

 

 

 

was sent on 27th June, if i allow 2 working days to deliver, it means their 12 working days to deliver said agreement expired yesterday

 

if the template is ok, what next ?

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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anyone ?

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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Then you now have a right not to pay any more against this debt until they do supply you with the paperwork requested. They are now in default of the regulations governing this issue.

 

If they do not respond within a month, then they have committed an offence.

 

To quote alanfromderby in another thread

The debt is unenforceable if the claimant has not got a signed copy of the original agreement - they cannot take any action through the courts without this document.

 

However, it is important to understand that if the company chasing the debt already holds a CCJ, then the debt has been "established" legally - and the above does not apply. However, if you know that the original debt includes unlawful charges, you may be able to get this set-aside.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...

fast approaching 1 month on this

 

whats my next step ?

 

can they claim they didnt recieve documentation ?

 

do i have to notify them that 1 month has passed ?

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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