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Dinkjames

CCA v Bank Charges

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I know the standard advice on here is to pursue both courses of action, namely reclaiming CC charges and requesting a copy of the CCA.

 

Having done both for 3 accounts, I have not yet had a satisfactory response to the CCA requests from any of the companies. In relation to the charges, I have had the standard response back stating the £12 is legal, blah, blah and we ain't paying. One of them has had the LBA already and the time limit has expired.

 

My question is, do I pursue the credit card companies for the charges on the account? Does that support the fact that I have an agreement with them (even though they haven't produced one)? At the moment, none of them have produced an agreement. In the POC's you have to give dates of charges, plus the T&C's. I don't want to be in a situation where my actions of pursueing them for charges, has me on the ropes with the DJ should they take me to court over the enforceability.

 

All the three accounts have been incorrectly defaulted (dodgy DN's)

 

Advice and guidance would be appreciated.


Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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Bump.

 

Does anyone have an opinion please?


Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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