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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Citi Card lollipop73


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Hello,

 

I am dealing with Citicard for my Mum in Law who quite frankly is one the verge of a nervous breakdown dealing with these arrogant rissoles!

 

 

Can you PM me any help if you are concerned abouyt them monitoring the site before I write off a stuff (insert expletive) you and die letter to them. It is very upsetting to see an old woman have all this rubbish off them.

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No problems, how can we help - if you can let us know what is happenning - though exclude any personal details if you wish.

 

Alternatively you can PM me.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thankyou.

 

My Mum in Law is in her 60s and has been recently widowed-as a result her income has gone down dramatically-so bad in fact all she gets are pensions credits.

 

All her cards are quite old, she has always paid on time but again that was before we lost her husband.

 

 

She has spoken to Citibank and asked them to reduce her payments, explained all her circumstances etc. Their response was basically tough!

 

Well of course my hubby and I care about her a great deal and after finding help here with my own Egg account I offered to help her.

 

 

She wants to pay the debt off, but she can`t afford the payments and they refuse point blank to listen.

 

To be fair she does get a bit flustered and has allowed them to bully her with threats of all sorts. She has even talked about selling her house and getting a council flat in order to pay them off.

 

I have offered to help her in dealing with them because these are utter barstewards and I won`t have my Mum in Law bullied.

 

 

I want to see the original agreement to check if they even have it, and when I get it to check if it is enforceable firstly.

 

If it is all kosher then to demand a reduction in payments-pay them by direct banking payments ( so they can`t argue) and if they do take her to court she at least will be able to show she has acted reasonably. I think if a judge gets a whiff of how they have been toward her they won`t have a leg to stand on.

 

I will scan and post up the letters they sent her tomorrow so you can all get a look at them.

 

Thanks again Enron for your help.

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If you could do that it would be great, obvioulsy exclude all personal details reference numbers etc.

 

Its pretty bad, as if you are in financial difficulty the banks are very keen to say that they are there to listen..... though the reality is somewhat different.

 

The shame of this matter is that if they did take her to court a judge would only make her pay what she could afford, a reasonable percentage of her disposable income after bills, essentials and so forth.

 

I'm gonna ask for advice on this, so no doubt more posts will appear here soon.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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OK what i'm going to suggest is that you handle all the correspondence relating to this.

 

Firstly, find out who the MP that represents the area of your mother-in-law:

 

UK Parliament - Find Your MP

 

Type her post code into the above site.

 

Banks are always at a pains to say they will help people in financial difficult, but if that isnt the case, especially if Citi are hassling her for payment at a time such as this its pretty bad on their part. It would also make for very bad publicity if this appeared in the papers - so I am very surprised.

 

I would request the help of the MP in this matter as Citi have been far from cooperative or helpful.

 

Obviously at the same time request a copy of the executed agreement - it is likely that you will get sent a copy of recent Terms & Conditions - if this occurs get in touch with me, its does not fulfill a s78(1) CCA request, another matter to bring to the attention of your MP if they are helpful.

 

Next if your mother-in-law is being baggered for payments over the phone I would suggest contacting your local trading standards, it might actually be an idea if she is not to make contact with them regardless concerning this matter - i'm sure if you explained the cirumstances they would be more than willing to help with any of the problems you encounter:

 

Again type your mother-in-laws postcode into the above site for details of the local department:

 

Trading Standards Institute - Home page

 

My thinking that there might be something in the banking code which details the banks obligations to help people in difficulty, Citi are a signatory.

 

If you have anymore specific questions let us know.

 

I would be tempted to tell her not to talk to them on the phone, if they are requesting payment that is their operators sole function - to try and extract money from her - you can't reason with them in my experience when there is a problem.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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From the British Banking Code.

 

If they are not adhereing to the Banking Code, Trading Standards maybe interested - could possibly put Citi in breach of Consumer Protection from Unfair Trading Regs. 2008.

 

That said from the bad publciity angle, i'm sure that an MP got involved Citi would take note.

 

--

2. Fairness commitment

 

14.1 We will deal quickly and sympathetically with things that go wrong and consider all cases of financial difficulty sympathetically and positively.

 

14.2 If you find yourself in financial difficulties, you should let us know as soon as possible. We will do all we can to help you to overcome your difficulties. With your cooperation, we will develop a plan with you for dealing with your financial difficulties and we will tell you in writing what we have agreed.

 

14.3 The sooner we discuss your problems, the easier it will be for both of us to find a solution. The more you tell us about your full financial circumstances, the more we may be able to help.

 

14.4 If you are having difficulties, you can also get help and advice from debt-counselling organisations. We will tell you where you can get free money advice. If you ask us to, we will work with debt-counselling organisations, such as Citizens Advice, money advice centres or the Consumer Credit Counselling Service. Their contact details are as follows.

 

Advice UK

Phone: 020 7407 4070

 

Citizens Advice

You can get the phone number of your local bureau from the phone book, the local library or from the website link below.

 

Citizens Advice Scotland

Phone: 0131 550 1000

 

Consumer Credit Counselling Service

Phone: 0800 138 1111

 

Money Advice Scotland

Phone: 0141 572 0237

 

National Debtline

Phone: 0808 808 4000

 

Payplan

Phone: 0800 917 7823

 

You should also be aware that there are other companies that charge a fee for managing your debts. It is your responsibility to check the fees that may be charged before asking these companies to act on your behalf.

 

14.5 If you have debts with many creditors, a debt-counselling organisation may complete a Common Financial Statement (or an equivalent statement we accept) on your behalf, which we will accept as the basis for negotiations with you in drawing up a debt-management plan.

Edited by Enron

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Absolutely shocking,but from a company who continually shows no regard for the rules-its not totally suprising.

 

I agree with Enron-the only purposeful way to deal with these is to use compliance action from the regulators.

 

I believe there is also an element of Harassment here.

 

As always there is a requirement to make them aware of their obligations-and as much as it is often seemingly falling on deaf ears-this at least gives way for escalation.

Something therefore needs to be put in writing giving them 14 days to respond.

Under debt collection guidance they are obliged to comply.Banking codes breach forces breaches of other statute but they well know that the FOS is stretched.

Even increased fees and a reminder recently by the FSA is probably unlikely to faze them.

Therefore I would look for something stronger that they can be held account with in the Courts.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Can you confirm the frequency of these phone calls ?

And has Citi been told to stop the calls ?

 

Is it definitely Citi or are there others involved ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I would be inclined to outline the circumstances as Martin3030 has said and request that you require their help in writing, stating that they are a signatory of the banking code which outlines an institutions responsabilities to help individuals in difficulty.

 

Obviously keep copies of all correspondence to and from them, so you can refer back to it if necessary.

 

At the same time make contact with your MP and Trading Standards just to get the ball rolling on that side. You can inform Citi at a later date of this if they seem uncooperative.

 

The banks have a front that says they are willing to help those in difficulty, it really gets my back up when this materialises as nothing more than bluster for public consumption to give the bank a good image.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Depending on the amount of debt your mum has it might be worth considering a debt reduction program such as CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

At least all interest will be stopped and after she has worked out her income & expenditure any remaining monies can be divided amongst her creditors.

 

Of course you should send the CCAs so you can sort the wheat from the chaff, and by what you've said there is a likelihood that at least some of them will be unenforceable, hopefully those ar$es at Citibank will be one of them.

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Citifinancial subscribes to the Banking Code.

 

In my view, their behaviour is contrary to the Consumer Protection from Unfair Trading Regulations 2008:

 

5.—(1) A commercial practice is a misleading action if ...

 

...it concerns any failure by a trader to comply with a commitment contained in a code of conduct which the trader has undertaken to comply with, if—

(i) the trader indicates in a commercial practice that he is bound by that code of conduct, and

(ii) the commitment is firm and capable of being verified and is not aspirational,

and it causes or is likely to cause the average consumer to take a transactional decision he would not have taken otherwise, taking account of its factual context and of all its features and circumstances.

 

and:

 

7.—(1) A commercial practice is aggressive if, in its factual context, taking account of all of its features and circumstances—

 

it significantly impairs or is likely significantly to impair the average consumer’s freedom of choice or conduct in relation to the product concerned through the use of harassment, coercion or undue influence; and

(b) it thereby causes or is likely to cause him to take a transactional decision he would not have taken otherwise.

(2) In determining whether a commercial practice uses harassment, coercion or undue influence account shall be taken of—

 

the exploitation by the trader of any specific misfortune or circumstance of such gravity as to impair the consumer’s judgment, of which the trader is aware

Trading Standards are the agency who should enforce this.

 

I'd suggest making a formal complaint to your local Trading Standards. This is best done in writing, with a request that they pass the complaint to Citi's local Trading Standards with a view to prosecution under CPUTR. There's no harm in mentioning that you are in touch with your MP.

 

A complaint to Citifinancial should also be made, if only for the purposes of providing an opportunity for escalating it to FOS.

 

I concur with Cerberusaler that if liability for the debt is not disputed, an payment arrangement organised by a third party such as CAB or CCCS would be a good way to proceed.

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Bearing in mind the well known fact that Citi are highly unlikely to have anything remotely resembling a properly executed CCA then I think a simple CCA request should send them back under their stone. Once they eventually admit they cannot provide one then your mum is left in control. She can either tell them to Feck Off or offer them a measley F&F settlement. Send them this by recorded delivery

 

 

Your street

District

County

Postcode

 

DATE

 

 

The Bank

Street

District

County

Postcode

 

Dear Sir/Madam

 

Re:− Account/Reference Number xxxxxxxxxxxxxxxxxxxxxxxxx

 

With reference to the above agreement, I require that you provide me a true copy of the credit agreement

 

I am aware that section 78(1) of the Consumer Credit Act 1974 sets out clearly what is required to comply with my request and quote “shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it” For clarification I require a copy of the agreement, any terms and conditions from the time when the agreement was executed together with a copy of current terms and conditions and a copy of the cancellation notice if the agreement refers to “Your Right to Cancel” within it. I also require a statement of account as laid out also within Section 78(1).if there weren’t any terms and conditions then please confirm this in your response

 

I am entitled to receive the information on request. I enclose a payment of £1.00, which represents the fee payable under the Consumer Credit Act 1974.

 

I note that section 172 outlines that statements by creditors are binding where made under inter alia section 78(1) and I take this to be that any reply made in response to this request is binding upon you. Therefore you should ensure that all documents request are supplied. Any missing documents will be considered not part of the agreement and could therefore affect the enforceability of anything you send.

 

I understand that Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 (SI 1983/1569) at regulation 2 sets out the required time frame for compliance with this request as being 12 working days from receipt

 

 

Should you fail to comply with my request as outlined above, I shall consider the account in dispute. I am aware that where a creditor fails to supply the requested information the creditors rights to enforcement are restricted until such time as they comply. I am also aware that there are certain terms that are required to be within the “Agreement” and should these terms be mis-stated or not present the agreement can be rendered unenforceable in law.

 

Notwithstanding the above, I note that the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557) at Regulation 3 allows the Signature box and signature to be omitted in a copy document but the copy document must contain all the terms off the agreement contained within the signed executed original document

 

I respectfully request that you provide a copy of the original agreement signed by myself that you hold on file and while I accept that you can omit the signature box for the purposes of compliance with my request, you will be aware that any challenge to the agreement in court would require the signed copy of the original agreement. If you still reject this, please provide clarification on the status of the Original Credit Agreement and confirm either that you hold the original signed agreement on file or a copy of it on microfliche or that you no longer hold the file

 

Also please provide details of who I may address a subject access request to under the Data Protection Act 1998 section 7 so that I may obtain a copy of the original agreement should you fail to forward a copy in respect of this request

 

Therefore I look forward to receiving this information within the time frames as indicated above

 

 

 

 

 

Yours faithfully

 

XXXXXXXXXXXX

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I`m blown away by all your help, it will mean a great deal to her when I tell her how much assistance I have got for her.

 

Even though I have all but officially taken over the debt issues for her, I know she still worries herself out of nights` sleep.

 

 

I have already sent them the CCA request on the 30th January and this is what they sent back

 

scan0001-1.jpg

 

 

Followed by a few sheets of t&cs that frankly aren`t worth the paper they`re written on.

 

 

So they are now in default of the request then I assume, and I should send them two letters-one which allows me to act on her behalf ( how do I get round the signature requirement for that?) And another that puts the account in default/dispute?

 

 

As far as the manner used to her on the phone she just is too upset and confused with the things they have said to make much sense to me, and I don`t want to hassle her anymore, I just wanted to take the problem away from her-so for transcripts and the like I need to SAR them for that.

 

Her words ( some of them) "they just talk something about bailiffs and court proceedings and things like that, and that they won`t reduce the payments or freeze interest or anything". ( I think she has been listening to well intentioned but insufficiently informed friends and other relatives).

 

The real problem I think is her shame at not being able to pay her debts-she`s from that generation of people, it has taken her a long time to tell me and her son what is going on as it is.

Edited by lollipop73
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Dont worry about sending a letter which lets you act on her behalf. Just type her name on the letter you are sending them telling them they are in default. Strictly speaking what they have sent DOES comply with your CCA request but would be totally UNENFORCEABLE in Court. To take you to Court to enforce the debt they NEED the origanal executed agreement which has to contain ALL the prescribed terms.

 

As for your wife worrying about these people that is understandable as most of us here felt the same before we discovered CAG and realised that DCAs are full of sh*t. They have NO legal powers whatsoever and rely of lies, half truths and threats to CON people into paying.

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Sorry, just for info purposes, it is my husbands Mum, I am the Daughter in Law.

 

 

She is perfectly happy with me writing them off for her, and although she doesn`t really look at the letters I am sending ( she has a few problems with understanding it all-but that`s only because she is worried) I am showing her and telling her in laymanspeak ( for my benefit tbh asmuch as hers) what I am basically saying.

 

 

 

Can I get someone to have a peek at this for her

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/184548-vanquis-little-old-lady.html

Edited by lollipop73
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Have replied to the Vanquis issue.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Lollipop. I'm no expert, but if you want to find out if they have a cca for this acount, you might have a look at this.

 

why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement

 

I believe that this leaves them with no option to complying with your request for a copy of the original SIGNED agreement.

 

I hope it helps. These guys are bad to the bone.

 

Cheers, T.

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Today I want to set out the letter back to Citi for MuminLaw, ODC-if they have in fact complied how would I word the letter back?

 

What they have sent is totally useless. They could not use it in Court as it does not contain the prescribed terms. The letter that Clemma posted tells them all they need to know

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The letter that Clemma posted tells them all they need to know

 

Ermmm.....:confused:

 

Anyhow, I think this is the letter you need as they have just sent you their current terms and conditions (from what I gather):

 

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 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 cancelable 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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Yup that is a good one or possibly this...

 

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.

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I`m blown away by all your help, it will mean a great deal to her when I tell her how much assistance I have got for her.

 

Even though I have all but officially taken over the debt issues for her, I know she still worries herself out of nights` sleep.

 

 

I have already sent them the CCA request on the 30th January and this is what they sent back

 

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Followed by a few sheets of t&cs that frankly aren`t worth the paper they`re written on.

 

 

So they are now in default of the request then I assume, and I should send them two letters-one which allows me to act on her behalf ( how do I get round the signature requirement for that?) And another that puts the account in default/dispute?

 

 

As far as the manner used to her on the phone she just is too upset and confused with the things they have said to make much sense to me, and I don`t want to hassle her anymore, I just wanted to take the problem away from her-so for transcripts and the like I need to SAR them for that.

 

Her words ( some of them) "they just talk something about bailiffs and court proceedings and things like that, and that they won`t reduce the payments or freeze interest or anything". ( I think she has been listening to well intentioned but insufficiently informed friends and other relatives).

 

The real problem I think is her shame at not being able to pay her debts-she`s from that generation of people, it has taken her a long time to tell me and her son what is going on as it is.

 

Standard response, which we are working on dealing with.

 

Maybe Amanda the Citi employee that looks at these forums could advise, or at least get the people at her company to do the right thing in these circumstances.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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