CCA legal for CC debt

[Datrigga3]

Hi,

 

I have heard that some CCA's aren't legally binding but when googling it brings up all these companies that charge massively to do it.

 

Is there any way I can find out if my Halifax Credit Card that I took out in April 2007 can be claimed on and if so how do I do it my self.

 

Also can you claim back on old credit cards?

 

Datrigga3

[Guest Old_andrew2018]

Hi,

 

I have heard that some CCA's aren't legally binding but when googling it brings up all these companies that charge massively to do it.

You can do it yourself with help from CAG,

Is there any way I can find out if my Halifax Credit Card that I took out in April 2007 can be claimed on and if so how do I do it my self.

You may find that an agreement issued as late as 2007 will be enforceable, you can still get it checked here.

 

Also can you claim back on old credit cards?

You can claim/recover any penalty charges, in order to start the ball rolling you need to send an SAR to the organisations.

 

Datrigga3

 

You could ask a MOD to move your thread to the appropriate forum.

 

Regards

 

Andy

[Datrigga3]

Sorry first timer on this forum. Any idea where I should be looking at on the forum for this?

 

Datrigga3

[Guest Old_andrew2018]

Hi Datrigga3 [/url] click on the triangle, this will open a dialogue box, you can leave a message asking for your thread to be moved

 

Andy

Edited May 11, 2009 by old_andrew2007
typo

[Datrigga3]

Thanks Andy

[citizenB]

Will move you to the Halifax forum.

[citizenB]

As Old Andrew has suggested, send a Subject Access request. You will need to include a postal order for £10.00. Then once you get your statements you can go through them and compile a spreadsheet. Then start the process of reclaiming your charges.

 

Credit card charges are not part of the OFT v Banks stay so there should be no problems.

[Guest Old_andrew2018]

Hi Datrigga3,

 

Looking again at your post, can I ask a question about old credit cards, were you referring to recovery of charges on cards which you've paid off, or checking agreements on older cards you still use.

 

Andy

Edited May 11, 2009 by old_andrew2007
added info

[citizenB]

This link has all you need.

 

The Consumer Forums - Bank charges templates (consumer)

 

Letter 2 : Is the Subject Access Request.

Link 8 : is the Interest caclulation spread sheets

Letter3: is the preliminary approach to the company for payment.

 

HTH

[Datrigga3]

Hi guys and thanks,

 

I not wanting to claim on charges as I have nothing to cliam on that front.

 

What I want to find out as some of these copies say is that some CCA from credit taken out before June'07 aren't legal.

 

Just wanted to find out if this can be doen by my self or not?

[citizenB]

Ah, right.

 

You need to send a CCA request. You will find that in the first link in my signature. You will need to send a £1.00 postal order. The company has 12 + 2 working days to provide you with a copy of your agreement.

 

I think "not legal" is not strictly correct. What you are looking for is confirmation that when you originally opened the account you were afforded all the protection required under the CCA1974.

[Guest Old_andrew2018]

Hi

 

DON'T SIGN the CCA request, as advised on the template Print your name and address.

 

Andy

[Datrigga3]

I take it that even though I have my bank account with them that my account would be uneffected by this?

 

Cheers guys for the info I look at sending the CCA request letter.

[citizenB]

I take it that even though I have my bank account with them that my account would be uneffected by this?

 

Cheers guys for the info I look at sending the CCA request letter.

 

It may well be in your interest to look for a parachute account with another bank. It has not been unknown for banks to help themselves to monies from current accounts to pay credit card or loan accounts.

[Datrigga3]

Ta Citizen B i'll keep you guys posted.