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


crk81

Great Universal credit agreement

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4004 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

hi guys,

 

 

Had a default on my credit file from CAM (credit account managment)

 

sent in a cca req to the debt they are refering to & they have brought back the below agreement, this is a agreement i took over, i can never remember having a default notice, fine i do agree i owe the money, i would like a breakdown of charges etc.. so i believe i am going to have to send in a SAR to see what has been added, but once its all confirmed genuine, is this agreement right, can they share my data with CRA's, no where on the agreement states this although part of it refers to they can add charges for letters issued etc.., also shouldnt they provide t&c as it mentions in the agreement.

 

http://i44.photobucket.com/albums/f31/crk81/GUSCreditAgreement.jpg

Share this post


Link to post
Share on other sites

further to the above, i today receive a further letter from CAM advising me that Shop direct have unforunately been unable to provide a copy of the default notice but they can advise it was sent around 24th dec 2008. they have however been able to supply a reproduced sample copy of the default notice, the actual default notice having left shop directs control when was sent to me.

 

guess al have to do my homework i am sure this is still not legal & i am going to have to fight this matter further.

Share this post


Link to post
Share on other sites

dont sign that form and don't send it back.

If they can't provide you with a valid cca then they can't enforce the debt.

In fact any letters you send to them send recorded delivery and never sign any of them! They obviously don't have a cca otherwise they would be waving it in front of you.


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

Share this post


Link to post
Share on other sites

no m8, that credit agreement above on my 1st post has my sig on it, i just blanked it out. so i know i am liable for debt, on another note tho got this email back from CAM today (only sent my email yesterday & letter)

 

Good Afternoon,

I am writing in response to your recent email regarding this account

In regards to the default notice as previously advised, Shop Direct have advised that they send all default notices 28 days prior to an account defaulting. As previously stated Shop direct do not keep originals as this would have been sent on to you. However, as Shop Direct have been unable to provide the notice of default and as requested as a gesture of good will we will remove the default from your credit file. Please allow up to 28 days for this to reflect in your file.

In response to your possible subject access request on this account then we would require you to put this request in writing to us. Shop Direct will also request that the subject access request is accompanied with a cheque for £10 made payable to Shop Direct financial Services. We will of course forward this on to Shop Direct.

We can confirm that if you are willing to make a full and final settlement payment we would be able to close the account with a one off payment of £460. This would need to be paid via a cheque or postal order sent to Credit Account Management at the address detailed below. If you would prefer to pay this account in monthly instalments then we would allocate this account to a collection agency who will be able to take your payment and will be able to advise you of acceptable monthly payments.

Our contact address: Credit Account Management

PO Box 650

Weybridge

Surrey

KT13 3EN

Please advise us of you next course of action and if you have any further queries please do not hesitate to contact us on 0845 839 6323.

 

 

if they remove the default then can then apply another at a later date?

i don't think i am in a postion to pay the settlement figure so would more than likely look at repayment spread over say 12mth period.

Share this post


Link to post
Share on other sites

That Agreement is totally unenforceable.

 

It does not have any of the prescribed terms.

 

DO NOT pay a penny.

 

Jogs

Share this post


Link to post
Share on other sites

thats what i was thinking, doesnt even state apr, that i even give them permission to share my data, i'll let them remove the default (i think they know they have balls things up & thats why they have agreed to this) and just await any letters from them in the future. thanks for the advice guys much apprciated :-)

Share this post


Link to post
Share on other sites

Quote: no m8, that credit agreement above on my 1st post has my sig on it, i just blanked it out. so i know i am liable for debt,

 

That isn't a valid CCA. Infact it is far from it. You are not liable for any debt and if they have made a mistake and got no signed agreement then tough luck for them.


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

Share this post


Link to post
Share on other sites

send them the account in dipute letter in the templates section. that'll get them moving.


VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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...