Lowell and GE Money bhs gold Storecard Default notice could be unlawful/defected ?

[24233513afw]

Can somebody please advise me if this copy of CCA is enforceable, any advise would be appreciated.

 

The account was opened in 2000

 

Copy of agreement

 

Cheers

AFW

[dx100uk]

most if not all of the 'paperwork' getout of debt free

arguements are now invalid thanks to the reclaim co's

 

why are you disputing this, not your debt?

 

have you any previous threads running on this same debt

with the bagkground history?

 

dx

[PriorityOne]

Can somebody please advise me if this copy of CCA is enforceable, any advise would be appreciated.

 

Rate of interest and APR are in there.... which would make it ahrd to defend o unenforceabioity grounds, IMO.

 

most if not all of the 'paperwork' getout of debt free

arguements are now invalid thanks to the reclaim co's

 

 

No true DX. Difficult due to DCAs cherry-picking the bits of Waksman they like, etc..... but the arguments are still very valid.

[24233513afw]

Hi PriorityOne and dx

 

Have checked all my past thread and dont have one running for this debt.

 

Was going to try and dispute this debt, especially with all the payments and interest I have paid them over the years, lots of charges too, however cant claim through FOS as the charges where too early and dont have the strength just now to take it to court, (Husband very poorly and has been for sometime now, but I;m feeling the strain of it all and to top it we have a new DCA that CL Finance have sold this too (dont want to mention there name as they monitor this site according to othe Cags).

 

I thought with it being a store card application form that I filled in the store at the time of applying it may not be enforceable.

 

ANyway I shall write explaining there is lots of charges (wont cover the debt) but will request that they accept a minimum payment from us.

 

Many thanks for your expert opinions, its greatly appreciated.

 

Enjoy the rest of your day

Cheers

AFW

[PriorityOne]

Hi PriorityOne and dx

 

Have checked all my past thread and dont have one running for this debt.

 

Was going to try and dispute this debt, especially with all the payments and interest I have paid them over the years, lots of charges too, however cant claim through FOS as the charges where too early and dont have the strength just now to take it to court, (Husband very poorly and has been for sometime now, but I;m feeling the strain of it all and to top it we have a new DCA that CL Finance have sold this too (dont want to mention there name as they monitor this site according to othe Cags).

 

You would be unwise to dispute it on the grounds of unenforceability..... but you can still dispute it on the grounds of the balance alleged to be outstanding. Do you have details of all charges in front of you? What were these for? Were they added before the account was sold on or have they accrued afterwards? How much is (alleged) to be outstanding on this? Please name the DCA.... as they all have different tactics.

 

I thought with it being a store card application form that I filled in the store at the time of applying it may not be enforceable. This doesn't look like a run-of-the-mill store application though; the rate of interest is clearly stated on there... It is essentially still a pre-application for credit though...... Which company sent this to you and was it part of a CCA request?

 

ANyway I shall write explaining there is lots of charges (wont cover the debt) but will request that they accept a minimum payment from us. If charges are on there, then your letter needs to be stronger. Don't ask them to accet a minimum; tell them that's what you'll pay..... but before you do it, please answer the questions I've posted.

 

Many thanks for your expert opinions, its greatly appreciated.

 

Enjoy the rest of your day

Cheers

AFW

 

[dx100uk]

pers i'd do an soc

lets actually findout with comp int how nuch charges & PPI you can reclaim

 

dx

[24233513afw]

Wil repost

Edited October 9, 2011 by 24233513afw
deleted most of reply

[24233513afw]

Hi

PriorityOne & dx

 

Firstly, many thanks for your help its greatly appreciated.

 

I do have all late payment charges that I received when I SAR GE Money but not sure how to calculate contractual interest. These charges where all applied before they sold it to Lowells. Theres no PPI to claim.

 

Amount owing approx £2,800.

 

The copy of the CCA I uploaded on CAG was a copy of the application I signed in the store I have original but received this copy from CL Finance a while ago when I requested SAR.

 

Whats a SOC dx ?

 

As for letter I'm not to good a wording letters of this sort and any help you can offer would be greatlty appreciated.

 

Cheers

AFW

[dx100uk]

see no.3 in my sig for how to do it

 

dx

[24233513afw]

Read your No. 3 sigmature, not sure how to calculate the interest.

 

Also forgot to mention Default notice could be unlawful/defected ? not sure reaf here on CAG there was a huge case going on with someone named Durkin but can't find outcome result.

 

I can post copy of default notice tonight.

 

Cheers

AFW

[ims21]

Hi

 

I've attached a spreadsheet you can use to calculate your claim.

 

Amend your personal details in the blue section and cgange the APR figure to the one bening charged on your card or, if you want to go for interest in restitution, use a nominal rate of 24.9%.

 

Then move to the white list section underneath the coloured bits and list each of the charges you are reclaiming. Enter the date of the charge, a description and the amount. The sheet will do the rest for you.

 

Please note that the sheet is protected in certain areas to prevent alteration to the formulae. If you get a protection message it means you are tryin to change data in a protected cell.

 

When you have finished listing the charges you will have your claim amount.

 

ims

 

 

CISheet.xls