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1st Credit replyn to a cca request


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Hi i sent a cca request to 1st credit and received the following back from them.Could someone please have a look and tell me if this is enforceable or not.

 

http://i694.photobucket.com/albums/vv301/andypt22/hal3.jpg

http://i694.photobucket.com/albums/vv301/andypt22/hal2.jpg

http://i694.photobucket.com/albums/vv301/andypt22/hal1.jpg

 

sorry only just got hang of how to upload things.

hal3.jpg

hal1.jpg

hal2.jpg

Edited by jimbob22
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i have uploaded them onto photobucket as tinyphoto not working for me.

http://i694.photobucket.com/albums/vv301/andypt22/hal3.jpg

http://i694.photobucket.com/albums/vv301/andypt22/hal2.jpg

 

http://i694.photobucket.com/albums/vv301/andypt22/hal1.jpg

 

i hope these are big enough if theyre not i will try tinyphoto tommorow.many thanks for having a look.

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Firstly - DO NOT CONFIRM anything to them about your signature. You do not have to do this as part of your request. They are talking rollocks.

 

The second picture is just an application form, however, the T&C's (from what I can read, as its still kind of small), looks like it contains all the prescribed terms. The thing is, are these T&C's part of the original application form i.e. is it the reverse of the app. form which they would have to be for it to be enforceable.

 

Then again, there is nothing on the application form that refers to the T&C's being on the reverse. Hopefully someone else will give their opinion shortly, then you will know whether you need to send the dispute letter.

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Thanks for your reply.Have had a play with photobucket and have enlarged them as big as i can.I will post them again.

http://i694.photobucket.com/albums/vv301/andypt22/hal3.jpg

http://i694.photobucket.com/albums/vv301/andypt22/hal1.jpg

http://i694.photobucket.com/albums/vv301/andypt22/hal2.jpg

 

The terms and conditions are photocopied on the back page of the credit agreement page.There seems to me to be nothing to link the first page with the second page.I believe what they have sent me is unenforceable due to the fact that there is no link between the first page and the second page.It does have my signature on it.Would very much appreciate comments or help to formulate a reply and defence to this request for payment from 1st credit.

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  • 2 weeks later...

I sent ist credit a letter disputing the agreement stating it was unenforcable.They have now replied and sent the letter below.It states that the agreement is legal.I would dispute that as the agreement has my signature on on the front page and on the 2nd page it has the alleged terms and conditions.there is no numbers i can see linking the pages.Can you please help me in my response to these letters and how to put 1st credit down.

 

http://i694.photobucket.com/albums/vv301/andypt22/reply1.jpg

http://i694.photobucket.com/albums/vv301/andypt22/reply2.jpg

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Worst Cretins don't like it when you disagree with them, do they?

 

I think that the best response to this sort of nonsense is a short letter - it will irritate them much more than a long and detailed answer to each of their points.

 

Dear Sirs

 

Thank you for your letter dated (date), the content of which is noted. I do not acknowledge any debt to you or any company you claim to represent.

 

My position was clearly set out in my previous letter, and remains unchanged.

 

You ask why I have not signed my letters. The reason is that I am under no obligation to do so, and choose not to sign when corresponding with a company in whose standards I have no confidence. I note that 1st Credit was recently censured by the Office of Fair Trading for non-compliant behaviour.

 

Yours etc.

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What they have sent is not an agreement by any stretch of the imagination, send them this;

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

This account is in Dispute .

 

On xx/xx/2007 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account. In response to this request I was supplied a mere acceptance form which does not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain any of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required.

 

Suffice to say none of the terms are present in the document

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I refer to page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable it would be in everyone’s interest to consider the matter closed and for your client to write the debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously defended and I will counter claim for all quantifiable damages

 

I respectfully request a response to this letter in 14 days

 

 

Yours,

Print name do not sign

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Many thanks for your replies.This site does give you the confidence and support to fight the dcas and their bullying tactics.Shall i send scarletts letter and wait for a reply before i send cerbers letter or both at the same time.

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  • 3 weeks later...

Hi.I received today a letter from connaught collections saying they had been instructed by their client 1st credit for payment on the account.I have not received any correspondance from 1st credit to say the account was being passed on.Also i still have not received an enforceable agreement from ist credit.I have sent 1st credit an account in dispute letter and scarletts letter.any advice please on how to respond.many thanks.

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ACCOUNT IN DISPUTE

 

Your Reference:

Client reference:

 

 

Dear Sir or Madam,

 

I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***DCA*** and has been since ***Date***

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

 

As ***DCA*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to ***DCA*** for resolution of these defaults and breaches, as ***DCA*** cannot lawfully pursue any enforcement activities.

 

If ***DCA***chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

Yours faithfully

Print name do not sign

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Send LCS this;

 

Dear Sirs

 

I refer to your letter of XXXXX 2009 which was received today.

 

Frankly, I am surprised of the need to advise a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); dated XXXX 2009 for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance. Your client had until (date - 12+2 working days from date of sending CCA request) to comply with a legal request.

 

Should your client persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several defaults committed by xxxx under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for, both the banking code and OFT guidelines.

 

Also please note that I will ONLY communicate in writing, any calls made to me will be classed as harrassment and treated as such.

 

Yours faithfully

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