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shaz1000

CCA Request

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3997 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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Hi can someone tell me what letter or what is the format of the letter i need to send to my bank in order to receive a copy of my CCA? Is it just a matter of sending £1 and saying you want a copy? My bank has already admitted they destroyed it but are still pursuing me for the interest which i dispute. the financial ombudsman seem to be on the side of the bank

 

thanks Shaz

Edited by citizenB
post merged from another thread.

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Hi

I have posted in a few places. However, I would like to learn the correct format/template for requesting my CCA from my bank. I am disputing the interest they have applied. I did ask the Financial Ombudsman to get involved but they said if the bank had destroyed the CCA there was nothing more they could do. Is this correct - what is the role of the FO? I did request my CCA before but didnt send a £1 although the bank acknowledged they received the request.

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click blue dca link for templates

 

number 8 for cca.

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Hello shaz1000,

 

Did your bank send you anything at all in response to your CCA request and did they actually put in writing that they no longer have your agreement?

 

Onwards and Upwards

 

Chalkitup

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Hello shaz1000,

 

Did your bank send you anything at all in response to your CCA request and did they actually put in writing that they no longer have your agreement?

 

Onwards and Upwards

 

Chalkitup

on the phoned they said it had been destroyed. in writing they say it is not available

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What sort of account was it ? what Bank was it ?

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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What sort of account was it ? what Bank was it ?

 

Regards.

 

Scott.

it was a credit card - where i transferred balance from another card. bank = abbey

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How old is the account ?


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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How old is the account ?

it was opened april 2008

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it was opened april 2008

 

 

Hello shaz1000,

 

I am getting confused here .... (not difficult really) ...... is this thead about the same account that you are talking about on the Tesco etc thread?

 

If so...... opened in April 2008 .... and they admit they have destroyed the agreement and it is not available???? .... seems strange!!

 

The following I posted on the other thread ..... if both threads are the same account I will only post here now ...

 

CAUTION

 

Am I right in thinking you are starting to ask questions (i.e. CCA request) to your bank regarding your credit card account that is with the same bank where you have a current account?

 

If so .... proceed with caution .... I strongly suggest you first open another (parachute account) bank account somewhere with a bank that is not connected with your current one and change over any direct debits AND especially stop your wages being paid into your current account if this is at present happening. Otherwise you are in a tricky situation taking matters further because the bank may pay your credit card from your bank account funds with a gem called "Right to Offset". (This effectively means they can take money from your current account to bring the credit card account repayments up to date).

 

Onwards and Upwards

 

Chalkitup

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Hello shaz1000,

 

I am getting confused here .... (not difficult really) ...... is this thead about the same account that you are talking about on the Tesco etc thread?

 

If so...... opened in April 2008 .... and they admit they have destroyed the agreement and it is not available???? .... seems strange!!

 

The following I posted on the other thread ..... if both threads are the same account I will only post here now ...

 

CAUTION

 

Am I right in thinking you are starting to ask questions (i.e. CCA request) to your bank regarding your credit card account that is with the same bank where you have a current account?

 

If so .... proceed with caution .... I strongly suggest you first open another (parachute account) bank account somewhere with a bank that is not connected with your current one and change over any direct debits AND especially stop your wages being paid into your current account if this is at present happening. Otherwise you are in a tricky situation taking matters further because the bank may pay your credit card from your bank account funds with a gem called "Right to Offset". (This effectively means they can take money from your current account to bring the credit card account repayments up to date).

 

Onwards and Upwards

 

Chalkitup

Yes, I have already changed over all direct debits etc. My main reason for saying my account was with the bank was because i notice someone said not to sign the CCA request letter. But the bank already have my signature. My mortgage is also with the same bank.

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Who should i make the £1 cheque payable to?

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after requesting signed copy of CCA was sent some standard document not signed anywhere. is there anything i can do? bank also added late payment charge

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Hi, shaz.

 

Send the 'dispute' letter, see what they come back with.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

I'll move this thread to the Abbey Forum.

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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