abbey credit card - looks unenforceable??

[rubyredshoes]

Hi again to everyone - Abbey have replied to my request

 

The agreement is very difficult to read - doesn't appear to have many of the prescribed T&Cs. Can anyone have a look for me please?

 

Also, very strangely, abbey (santander) have said in their letter that the state of the account is nil outstanding, and nil unpaid. Does this mean they have sold the account to a 3rd party? At my reckoning there was approx £2000 o/s.

 

 

 

http://i829.photobucket.com/albums/zz211/clare007/abbey1.jpg

Edited October 10, 2009 by cerberusalert
Img removed, it shows your name & address.

[Huff&Puff]

It's a bit hard to read, but it looks like all the prescribed terms are there. I think that one is enforceable

[rubyredshoes]

Thanks huff and puff. I am a bit confused by the enclosing letter though. Abbey states that the

"state of account, total sum paid £919. Outstanding balance is 0.00..Total sum which has been payable under the agreement but unpaid by the client £0."

I know the balance is more like £2800, - do you think abbey has made a mistake or sold the account on? or could it be most of the balance comprised the excessive charges they levied and they have now removed them? is this just wishful thinking? Anyway I have composed a letter = does this sound ok?

 

Thank you for your prompt reply to my request for a true copy of my credit agreement.

I note that you state in your letter dated 17 September 2009, that the state of the account is as follows:

“The total sum paid £919.62 and the outstanding balance £0.00. Total sum which has become payable under the agreement but unpaid by the client - £0.00.”

I would be most grateful if you could now confirm that this account is satisfied, or whether you have indeed passed this account to a 3rd party, and if so, please provide details

I would appreciate your prompt response

Yours sincerely

[Huff&Puff]

I think the £0 business is all done for tax fiddling purposes. They will write off an unpaid debt against tax, then sell it on to a DCA anyway, thus getting paid twice if the DCA can get payment

[Hardupnotfedup]

Why stir it up by writing to them if they have made an error just wait for them or a third party to contact you

[itsamomentintime]

where are the APR figures?

[Huff&Puff]

where are the APR figures?

 

Section 1c, it looks like. 15.9% (variable).