cca recieved is this enforcable opions plz

[mdj80]

hi recieved this edited cca from 1st credit,last friday & ive had them ringing me this morning,ive posted these on a different thread & had different responses for this & would like to clear this up.

 

is this enforcable?

 

this is the letter

http://i705.photobucket.com/albums/ww58/mdj80/o.jpg

 

 

the edited agreement

http://i705.photobucket.com/albums/ww58/mdj80/p.jpg

 

 

many thanks mdj

[Uptotheneck]

It looks enforceable to me, but I would probably SAR the OC for an unedited version and default notices etc.

 

Someone else may give you a different answer.

 

 

 

David

[sploits]

Havent you got this on a different thread were we had established that you HADNT recieved the true copy of the executed agreement so I posted a letter for you to send to 1st credit? Forgive me if I'm wrong

[Pinky69]

Spoilts - yours was only one of several opinions and the poster was seeking other opinions. My view is that it is enforceable. I am of the view that a judge would simply say "Did you borrow the money for the television? Then pay it back."

[sploits]

And i was under the impression as where several other posters that it was an EDITED CCA and not a true copy of the original. IF that is the case then the OP hasnt been sent what they asked for. Again forgive me if I am wrong

[sploits]

MDJ80 the CCA you recieved from 1st Credit, did it contain your signature?

[mdj80]

yes this is on a different thread has i was getting different answers &not too sure what to do.

 

this is only a edited version accoring to them & it does contain my signiture,they say they want me to provide them with my signiture & they will send me a complete copy of the relevant documents.

 

when i sent of my cca i wanted a true document plus a statement of account.

 

pinky no it was finance for a tv from currys with hfc which i had made payments on

[sploits]

If it has your signature on then it is looking enforcable. It appears to have everything required. Not sure why they would want your signature for statements of accounts though? You only usually have to send your signature when you send a SAR to the ORIGINAL creditor NOT 1st Credit.

 

You do need to get your statement of account so it might be best to SAR H.F.C. and see where you stand. there could be alot of charges that you can claim back

[mdj80]

is there a template letter for that many thanks

[sploits]

Delete/amend to suit

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]