Argos Additions Reply To CCA

[A6er]

Hi Guys

 

I just received this in response to my CCA request to Argos Additions 2 weeks before Xmas.

 

 

 

What if anything is my next move and is their reply valid in any way.

 

Thanks

 

[Rayne]

Your next move is to use that as loo roll as thatas about as much use as its for No, I would actually keep that cos atm they have an unenforcable debt and the account, so ling as it's past the initial 12+2 days from when u made the CCA requesf, is now in dispute and will remain so until they produce a properly executed CCA.

 

Yo COULD send them the account in dispute letter but there's not a great deal of point, they KNOW what the law is, and you'd be wasting the cost of postage to remind them

[Rayne]

omg my spelling

[42man]

Thank you for your response to my request under the Consumer Credit Act section 78.

 

I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence of any prescribed terms and my signature means that a court would be prevented from enforcing it under s127(3)"

You had until (date here) to provide me with the true copy I requested. After that date you entered into default of my request and I am therefore advising that the matter is now in dispute . Whilst the matter is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else.

 

Please note you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies including any defaults. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.

[A6er]

I would actually keep that cos atm they have an unenforcable debt and the account, so long as it's past the initial 12+2 days from when u made the CCA requesf, is now in dispute and will remain so until they produce a properly executed CCA.

 

I thought as much.

 

Thanks for the reply.

 

[A6er]

Thank you for your response to my request under the Consumer Credit Act section 78.

 

I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX..

 

But where do they actually say that in the letter, all I can see is where they admit they cant locate an agreement, or is it "between the lines" so to speak?

 

As for the rest of your reply, I have copied and pasted it and will send it off asap so thanks for taking the time to advise on this, I really appreciate your help.

 

[blind-as-a-bat]

I thought shop direct was littlewoods, kays etc, i did not know they where connected to argos

[A6er]

I thought shop direct was littlewoods, kays etc, i did not know they where connected to argos

 

I called the thread Argos Additions as thats who they were when I first used them but they later become Additions Direct who are now owned by Shop Direct Group.

 

SDG also own other well known catalogue shops such as

 

Additions Direct

Choice

Empire Stores

Great Universal

Kays

Littlewoods

Littlewoods Direct

Littlewoods Ireland

Marshall Ward

 

Hopes this clarifys things.