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    • I think my post is too long so I've split it ino two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I think my post is too long so I've split it into two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good.
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further. It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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Template to request CCA for Overdraft.


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Hi,

I might be being stupid here as it might already be on here,

but a friend of mine has a current account, with overdraft,

which has been in dispute due to over £2000 of charges.

 

Now to avoid the bank using the Supreme Courts ruling and start trying to collect,

we intend sending a cca request,

which we know doesn't exist,

as we've had full disclosure from a Sars request got over 5000 bits of paper! That really pleased TNT!

 

As it's an ovverdraft we know they will say a cca is required,

so is there a request that explains why it is required?

Thanks in advance.

Jon

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Overdrafts aren't regulated by the CCA and so a CCA request won't yield anything unfortunately.
I understand from this site that bank accounts aren't but an overdraft requires some kind of CCA. Perhaps i'm wrong i'll have look fo`r the thread I saw before>
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I understand from this site that bank accounts aren't but an overdraft requires some kind of CCA. Perhaps i'm wrong i'll have look fo`r the thread I saw before>

This is one of the posts i've seen. With full disclosure there is no sign of the required letter, default notice etc.

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icon1.gif Re: My First Solictor's Letter

Quote:

Originally Posted by HeftyHippo viewpost.gif

I know if they don't produce a CCA, they cannot pursue the credit card, so a CCA request is being sent, and that will reveal the enforceability or otherwise of the credit account, but the overdraft is not covered by the CCA and could still result in legal action.

 

.

 

WooooooooooW up a bit here.

 

An overdraft is a debtor creditor agreement as defined under section 8 and 13 of the CCA and is running account credit as defined in section 10. This has high court case law - coutts vs sebastyn.

 

When they say it is not CCA, what they mean is that there is part v exemption from the CCA but,

-they still need to show the contractual arrangement set up with 30 days of the o/d

-they still need a valid default notice

-they still need a termination notice.

 

A current account is covered by the banking code (FSA) and does not offer credit facilities. An overdraft is a credit agreement and as such CCA.

 

This is my specialist area I've seen off HSBC and LTSB on this. They will try to tell you that CCA does not apply to an o/d this utter nonsense. What tehy mean is that they have the part v exemption. So a Subject Access Request requesting specifically the default and termination notices plus the letter they sent you within 30 days of setting up the o/d (which must include interest rate and conditions such a limit) will tell you if they can enforce it. But I would still start with a CCA for the o/d it is for them to prove part v exemption.

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This has been debated and concluded several times.

 

Overdrafts are backed by case law but I understand the conclusion is CCA's a not covered for OD.

 

Thank you for your letter dated the 13th ..... the contents of which have been noted.

 

Your letter states that overdrafts are not subject to the Section 77 of the Consumer Credit Act, as you will be no doubt be aware the case Coutts & Co v Sebestyen[2005] EWCA Civ 473 clearly states the opposite.

 

I require that you send me a true copy of the executed agreement as required by the Consumer Credit Act 1974. If you are unable to supply the requested documentation because no such agreement exists then I require written confirmation of this.

 

etc etc

 

WHAT IS BADLY NEEDED IS A LETTER TO COVER THE CHANGES TO BANK CHARGES RULE.

 

DCA's are gonna have a field day. All those OD charges on hold are now suddenly gonna be hounded by pond life and this is so unfair as £35.00 bank charge is still taking the p*ss, I don't care what the court says.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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  • 2 weeks later...

subbing and Jon888999...I sent off long ago to LTSB for my girlfriends overdraft CCA. I will have to dig the letter out as it was a while ago but was wondering if you could help me out and guide me through this process as you seem to have had success with them in particular??? Although the debt is now with Moorcroft DCA's :confused:

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subbing and Jon888999...I sent off long ago to LTSB for my girlfriends overdraft CCA. I will have to dig the letter out as it was a while ago but was wondering if you could help me out and guide me through this process as you seem to have had success with them in particular??? Although the debt is now with Moorcroft DCA's :confused:

 

I don't have the answers yet.

 

Best thing to do is to post on bank charges forum and keep checking back.

 

There WILL be a letter produced and I think initially it will center around the interest on OD charges being claimed back which essentially puts the account in dispute until thhat aspect is returned.

 

I would not be too worried by the scare monkeys Moorcock and in my experience there pre-school (pre-court) division are one trick ponys with very little taste for the court although I don't know if this would change when CCA are debated by the courts.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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At risk of hijacking this thread, I have a nasty letter from SCM regarding recovery of my LTSB overdraft. Any help out there?

 

see below, there are lot of caggers as we speak working on a draft letter, sit tight.

 

£35 charge I still don't get the part where this is fair. I would accept £5 as a charge for me not able to manage my money correctly, but £35 is just blantant profit.

 

Someone will sort the banks out and it won't be the OFT or the GOVERNMENT it will be CONSUMERS cos we've had enough of this p*sstaking

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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see below, there are lot of caggers as we speak working on a draft letter, sit tight.

 

£35 charge I still don't get the part where this is fair. I would accept £5 as a charge for me not able to manage my money correctly, but £35 is just blantant profit.

 

Someone will sort the banks out and it won't be the OFT or the GOVERNMENT it will be CONSUMERS cos we've had enough of this p*sstaking

 

many thanks!

 

(there was nothing to see below though, sadly!)

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At risk of hijacking this thread, I have a nasty letter from SCM regarding recovery of my LTSB overdraft. Any help out there?

define nasty?

 

 

 

 

And to answer the original question, just send the standard cca request letter and see what reply you get.. The objective is to find out what they think covers an overdraft more than anything

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define nasty?

 

 

 

 

And to answer the original question, just send the standard cca request letter and see what reply you get.. The objective is to find out what they think covers an overdraft more than anything

 

Letter opens: "We have been instructed by LTSB who advise us that despite several reminders your account remains out of order. etc...."

 

Final para: "EREMEMBER THIS IS A FORMAL DEMAND PRIOR TO THE COMMENCEMENT OF LEGAL PROCEEEDINGS AND YOU ARE STRONGLY URGED TO MAKE IMMEDIATE PAYMENT TO AVOID THE ABOVE ACTION"

 

It's clearly a template as it begins dear sir/madam and ends "faithfully" scm solicitors. (the signature is a scrawly scm funnily enough!)

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Letter opens: "We have been instructed by LTSB who advise us that despite several reminders your account remains out of order. etc...."

 

Final para: "EREMEMBER THIS IS A FORMAL DEMAND PRIOR TO THE COMMENCEMENT OF LEGAL PROCEEEDINGS AND YOU ARE STRONGLY URGED TO MAKE IMMEDIATE PAYMENT TO AVOID THE ABOVE ACTION"

 

It's clearly a template as it begins dear sir/madam and ends "faithfully" scm solicitors. (the signature is a scrawly scm funnily enough!)

 

 

Depends where you are up to on the merry-go-round. HAve they had a prove it and/or cca request? If not start there

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Depends where you are up to on the merry-go-round. HAve they had a prove it and/or cca request? If not start there

this is the beginning of the merry-go-round! I have been in financial difficulty for sometime (haven't we all?) and went into a temporary extended OD with them. In a nutshell, the OD went back to original figure and i've been unable to maintain it within the agreed figure despite all outgoings now being cancelled. Since their letter I have received a polite template letter from LTSB adding a further 250 quid in charges..... this is now the vicious circle from which i cannot escape. (When I phoned the bank I was told (recorded) that the account is in the hands of SCM and I should wait for them to contact me in afew days.)

 

So, to get this in my head right, are you suggesting I send them a CCA letter? To what end?

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This has been debated and concluded several times.

 

Overdrafts are backed by case law but I understand the conclusion is CCA's a not covered for OD.

 

Thank you for your letter dated the 13th ..... the contents of which have been noted.

 

Your letter states that overdrafts are not subject to the Section 77 of the Consumer Credit Act, as you will be no doubt be aware the case Coutts & Co v Sebestyen[2005] EWCA Civ 473 clearly states the opposite.

 

I require that you send me a true copy of the executed agreement as required by the Consumer Credit Act 1974. If you are unable to supply the requested documentation because no such agreement exists then I require written confirmation of this.

 

etc etc

 

WHAT IS BADLY NEEDED IS A LETTER TO COVER THE CHANGES TO BANK CHARGES RULE.

 

DCA's are gonna have a field day. All those OD charges on hold are now suddenly gonna be hounded by pond life and this is so unfair as £35.00 bank charge is still taking the p*ss, I don't care what the court says.

 

I was under the impression that overdrafts ARE CCA regulated but are exempt from Part V of the act (The form and content of agreements) ?

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I was under the impression that overdrafts ARE CCA regulated but are exempt from Part V of the act (The form and content of agreements) ?

 

yes that is correct. Although technically they are only exempt if the bank has registered with the oft.

 

What I advise normally, esp with a dca and an od that shall we say lapsed a couple of years ago, is to send a cca initially. Their reply will give you an insight into the tack they will take. Some will say od's are not cca at all n which case you can simply ask them what laws cover them - that makes their heads spin:D. Others will state the exemption and you can then attack them on that.

 

What is often missed is that the determination does not get rid of the need for an agreement, item 2 of the determination gives the timescale under which they must send a letter detailing the apr, terms, and contractual arrangement.

 

The main thing to watch out for is the common practice 'con' of saying that current accounts are not covered by the cca - this is true because a current account under the banking code cannot offer any credit facilities, an overdraft is a separate arrangement and is section 10 running account credit.

 

(I'm sure you know this sequenci, but it's worth stating for the benefit of the OP)

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DG2007, have you had a default notice?

Is this the first letter you have had from SCM? - who you should know are pet, tame and internal to the bank, ie the desk next to the one that send you the bank letters.

 

If you do send a cca - and there's no harm in it - then I would not mention coutts at all, let them educate themselves, and it would be section 78 in theory.

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DG2007, have you had a default notice?

Is this the first letter you have had from SCM? - who you should know are pet, tame and internal to the bank, ie the desk next to the one that send you the bank letters.

 

If you do send a cca - and there's no harm in it - then I would not mention coutts at all, let them educate themselves, and it would be section 78 in theory.

 

Hi HB, thanks for your interest and assistance. No default yet, this is the first letter from SCM. (I have had past dealings with them on DPA non-compliance and my charges claim so not totally unaware of their petness and ineptitude!)

 

I haven't elaborated on the basic CCA template and have used s78 as that applies to rolling credit........ regarding Coutts, I never put food on their plate so only share my "knowledge" when necessary... Just need to refresh my memory on the reply time limits now and sit back and relax for a fortnight!

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Hi HB, thanks for your interest and assistance. No default yet, this is the first letter from SCM. (I have had past dealings with them on DPA non-compliance and my charges claim so not totally unaware of their petness and ineptitude!)

 

I haven't elaborated on the basic CCA template and have used s78 as that applies to rolling credit........ regarding Coutts, I never put food on their plate so only share my "knowledge" when necessary... Just need to refresh my memory on the reply time limits now and sit back and relax for a fortnight!

 

Will be interesting to see what approach their reply takes.

 

Technically you should have got a DN prior to going to scm (sections 87/88 are not in part v)

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Will be interesting to see what approach their reply takes.

 

Technically you should have got a DN prior to going to scm (sections 87/88 are not in part v)

 

 

Thats interesting. Should I mention the DN? Ask for it?

 

Their first letter does mention a default in passing, but not one that specifically relates to me. They simply mention that if I settle the debt within the prescribed period it will be recorded (on my credit file) but will not lead to the original default being removed.....

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Thats interesting. Should I mention the DN? Ask for it?

 

Their first letter does mention a default in passing, but not one that specifically relates to me. They simply mention that if I settle the debt within the prescribed period it will be recorded (on my credit file) but will not lead to the original default being removed.....

 

 

NO NO NO

 

you want them to terminate without a DN and/or take you to court without a DN. This would constitute unlawful rescission and is the best easiest defence for an od.

 

 

the default they refer to is the cra default which is nothing to do with the actual cca default.

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NO NO NO

 

you want them to terminate without a DN and/or take you to court without a DN. This would constitute unlawful rescission and is the best easiest defence for an od.

 

 

the default they refer to is the cra default which is nothing to do with the actual cca default.

 

gotcha! cheers! So, letter will be posted first thing..........

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