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Letter from BCard

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Hi, just found this particular forum (thanks AA) so am posting a copy of one I put in the Debt collection forum.


Recieved a long letter today BCard with respect to a CCA request. When I requested they sent me a copy of my original details; address, dob, job, etc with my signature on the bottom. But no prescribed terms or terms and conditions. They say that by sending that they have completed their obligation under section 78. They say that because it has my signature on it it shows I have a contract with them, and they have adhered to the requirements under section 60 of the CCA 1974.


Not sure what to make of it really. Any help would be gratefully appreciated as I thought they had to provide all the t&cs and prescribed terms.


Thank you

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Received a simliar letter yesterday for another BC account. All they originally sent was a copy of the T&CS when the account was opened although there is no date or any of my details. Well, they class this as a executed CCA. Anyone else had this?

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Hi Beetzart,


If you're going to discuss another BC a/c, please start a new thread for it so the a/c's don't get confused.


Re your first post, they may have complied with their obligation to supply certain data, but this does not make the Agreement enforceable in court.


Re the second post, BC seem to be sending out a lot of T&C's recently but, without your signature, they have failed to comply. Here's a reply for them.


Dear Sirs,


Account Number: XXX


Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974


I note that you have replied to the above by sending a copy of your companies current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act.


To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a "true copy" of the agreement.


This breach of the agreement can be demonstrated as follows;


As you will know section 180(1) (b) authorises, "the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form." This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557.


Before leaving section 180 there are two other sections that should be remembered these are:


Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements;


And more importantly


Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations.


You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations.


Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557.


The regulations state:

(2) There may be omitted from any such copy-

(a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations thereunder as to the form and content of the document of which it is a copy;

(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies);


It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations.


The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso.


Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions.

It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented.


I hope this explains why your reply was unacceptable. I await a True copy of my agreement and would remind you again that, whilst the request has not been complied with, the default continues.


Yours faithfully

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