cca with term different to original signed marketing letter

[curtainriser]

Hi

 

This is my first time here and I will be brief...

 

I am desperate for legal advice because I can see an unpopular

debt collector mentioned here often is aiming to sue me soon, even though they have defaulted under the consumer credit act s78, account in dispute and I have stop paying installment to them....

 

here is the question....

 

if a letter by the creditor signed by their marketing manager, offer me to apply for a card advising me stating what the credit card APR is during a promotion period and fixed for x months and then when the credit card terms and conditions is issued and received, it states the the same term APR IS FIXED BUT FOR X-1 MONTHS, i.e less time, so have they infringed the cca 1974 due a misleading promotion and different pres-scribe term in the terms and conditions to the one advertised.

 

Now they did apply the right promotion period according to the credit

cards statements. i.e x months but the original terms and conditions remained unamended because the pre-scribed terms and conditions promotion period,, x-1 months, remained incorrect. ... but

 

Now if the creditor and the court aim to enforce such initial agreement terms and conditions if it has all precribed terms correct with the signed document,

would they infringe the cca1974 and trading standards because what they advertised and what they wrote in the terms and conditions is different???

and incorrect and where can I find the trading standards or legislation that states this is considered an infringement of trading standards????

 

 

Any help please .........any litigator in the house????

 

Many thanks

 

cr

 

CAN THEY ENFORCE THIS TERMS AND CONDITIONS WITH AN INCORRECT

PRE-SCRIBED TERM!!!!!

[curtainriser]

Hi

 

This is my first time here and I will be brief...

 

I am desperate for legal advice because I can see an unpopular

debt collector mentioned here often is aiming to sue me soon, even though they have defaulted under the consumer credit act s78, account in dispute and I have stop paying installment to them....

 

here is the question....

 

if a letter by the creditor signed by their marketing manager, offer me to apply for a card advising me stating what the credit card APR is during a promotion period and fixed for x months and then when the credit card terms and conditions is issued and received, it states the the same term APR IS FIXED BUT FOR X-1 MONTHS, i.e less time, so have they infringed the cca 1974 due a misleading promotion and different pres-scribe term in the terms and conditions to the one advertised.

 

Now they did apply the right promotion period according to the credit

cards statements. i.e x months but the original terms and conditions remained unamended because the pre-scribed terms and conditions promotion period,, x-1 months, remained incorrect. ... but

 

Now if the creditor and the court aim to enforce such initial agreement terms and conditions if it has all precribed terms correct with the signed document,

would they infringe the cca1974 and trading standards because what they advertised and what they wrote in the terms and conditions is different???

and incorrect and where can I find the trading standards or legislation that states this is considered an infringement of trading standards????

 

 

Any help please .........any litigator in the house????

 

Many thanks

 

cr

 

CAN THEY ENFORCE THIS TERMS AND CONDITIONS WITH AN INCORRECT

PRE-SCRIBED TERM!!!!!

Edited March 31, 2009 by citizenB
moved posts retitled

[johnerog]

Hello curtain riser, first things first. What steps have you taken so far?

If your account is in dispute it should not be passed to a third party.

Edited March 31, 2009 by citizenB
posts moved from incorrect forum, retitled

[curtainriser]

Hello curtain riser, first things first. What steps have you taken so far?

If your account is in dispute it should not be passed to a third party.

 

 

Hi

 

thank you for your reply. Yes it was in dispute from the beginning BUT

only informally becasue I did not request for cca just done by phone.

 

then I defaulted on the account, no default notice ever received and it was passed to an unpopular debt colletor you all know...

 

To this debt collector being very aggressive, I did cca request many months ago, no reply ever and defaulted may months ago and I have complained to consumer direct but nothing happens.

 

I stop paying installement to this debt collector, because defaulted and in dsipute and also can no longer afford it, and being threatened with legal proceedings!!!!.

 

I have investigated every detailed of this and hence post#14731on this Consumer credit Agreement thread

 

any ideas!!!

 

Thanks

CR

Edited March 31, 2009 by citizenB
moved posts from incorrect forum, retitled

[johnerog]

Does this collector have a CCJ against you?

Edited March 31, 2009 by citizenB
moved mposts from incorrect forum, retitled

[curtainriser]

Does this collector have a CCJ against you?

 

not yet but they are aiming to......... very worried!!!!

Edited March 31, 2009 by citizenB
moved posts from incorrect thread, retitled

[johnerog]

Curtainriser..

sent you PM. Please remember I am not a lawyer. But i have been there!!!

Edited March 31, 2009 by citizenB
moved posts from incorrect thread, retitled

[curtainriser]

Curtainriser..

sent you PM. Please remember I am not a lawyer. But i have been there!!!

 

 

many thanks

Edited March 31, 2009 by citizenB
moved post, retitled