Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


Izzy40

CCA advice please

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4023 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.

Thank you

Recommended Posts

I am about to fire off several CCA requests. Can I do this at the same time as writing a letter advising of a huge change in circumstances with an I/E form or should they be handled separately?

 

My debts are mainly from 2006 ..... because this is quite recent, are they much more likely to be able to provide true copies? Also, where do I stand with a couple of cards opened via online applications in 2006? Any advice please.

Share this post


Link to post
Share on other sites

Hello and Welcome,

 

I'd handle the CCA & I/E form separatley, regarding the online applications.....

 

As The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 any online agreements entered into prior to this date still need a signed executed credit agreement.

Electronic signatures weren't considered valid until this date.

 

Have you any charges you can claiim back ?

 

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

Share this post


Link to post
Share on other sites

Ok, thanks. So as I took out most of the agreements on line in 2006, there seems no point in requesting the agreements?

Share this post


Link to post
Share on other sites

not sure if this is any help to you izzy but i have 2 cc which i applied for online but didnt bother to send the agreement back and still got the cards im so glad now that i was so disorganised then cause i know when i cca them they wont have any agreement :grin: as far as i can gather this will make them unenforceable

Share this post


Link to post
Share on other sites

Ceri, I take it you mean before 2004 as that is what I understand from the above advice?? Mine were taken out in 2006 which the advice suggests would only need the electronic signature. Can someone please tell me if I'm right here?

Share this post


Link to post
Share on other sites

sorry izzy i thought yours fell into the same category :(, good luck anyway

Share this post


Link to post
Share on other sites

Hi, Izzy.

 

Here's the act............

 

The Consumer Credit Act 1974 (Electronic Communications) Order 2004

 

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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...