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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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Cap1 & CCA return


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Guest The Terminator
What a thread!! Intresting debate. Its taken me 3 days and i finally get to the end, and it stops!! I know its christmas guys, but please keep up the debate! Like most people who've read this thread, Im Hooked!

Cant wait for the outcome. Keep up the good work.

 

Smoothy

 

Tamadus or Terminator may I PM either of you with a specific question relating to the thread?!

 

Hi smoothy happy new year if I can be of help then please pm me.

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Yes write back stating you will grant them 14 days provided no attempts are made to try & enforce any debt & that if the do all bets are off.

 

Also make it clear that if they don't respond within THEIR deadline you will take any neccessary action you deem appropriate including reporting their criminal conduct regarding non-compliance.

 

Ok, makes prefect sense - why didn't I think of that? lol.

 

I have all the forms to fill in from TS now too, so i will let them know that they will be reported if I don't hear from them.

 

Thanks again

 

PS Happy New Year everyone - hope 2007 brings everything you need to make you happy! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest The Terminator

I received a letter from MBUSA regarding the default notices I sent to them on the 18th December 2006.The letter goes a little like this:

 

Dear Sir

 

Thank you for your complaint of the 18th December 2006 which is now being investigated and will be reponded to by the 18th January 2007........

 

It's quite obvious that this lot are "braindead" due to the fact that is wasn't a letter of complaint more a list of criminial offences that they have committed and are going to have to explain to a judge.

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hi, today i received a letter from a large very well known DCA that I CCA'd in July. They couldn't comply and told me in Sept that they couldn't find agreement. I received a letter today stating that they were closing the file on this because "the debt cannot be enforced without the original credit agreement and you have now advised us that you do not acknowledge this debt any further" I would also say that this was for a not inconsiderable amount of money, and they have details of all payments made to it and direct debt mandate. now there is no way that an established company of this size and notoriety would do this if they had the slightest chance of continuing with it to court. So take heart and don't be fobbed off. I'm not posting the name here because I'm not finished with them but if anyone wants to know pm me.

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That's great news Ecobabe, well done!

 

Do CCA requests only apply to active agreements, or can you send a request for a closed agreement?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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hi, today i received a letter from a large very well known DCA that I CCA'd in July. They couldn't comply and told me in Sept that they couldn't find agreement. I received a letter today stating that they were closing the file on this because "the debt cannot be enforced without the original credit agreement and you have now advised us that you do not acknowledge this debt any further" I would also say that this was for a not inconsiderable amount of money, and they have details of all payments made to it and direct debt mandate. now there is no way that an established company of this size and notoriety would do this if they had the slightest chance of continuing with it to court. So take heart and don't be fobbed off. I'm not posting the name here because I'm not finished with them but if anyone wants to know pm me.

 

 

Well done Ecobabe excellent news.

Was there a default as well if so is your next step to get that remonved?

Well done again, made me smile:D

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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un1boy, it only applies to accounts still being paid, i think, even if it's not the original creditor they need to comply. if account is paid and closed then I think you can only reclaim charges. Bigal, there was no default registered, but there should have been so i think they knew that they were chancing their arm by not having agreement, but it makes it easier from me to deal with. once again I reiterate don't be put off, this proves that we're right about agreement because this was a lot of money that they are writing off. and let's be honest they don't do that lightly!

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Thanks for clarifying that ecobabe!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest The Terminator
un1boy, it only applies to accounts still being paid, i think, even if it's not the original creditor they need to comply. if account is paid and closed then I think you can only reclaim charges. Bigal, there was no default registered, but there should have been so i think they knew that they were chancing their arm by not having agreement, but it makes it easier from me to deal with. once again I reiterate don't be put off, this proves that we're right about agreement because this was a lot of money that they are writing off. and let's be honest they don't do that lightly!

 

Well done ecobabe I knew all the reaserch that was done and is still on-going would bear fruit in the end.Oh by the way you couldn't pm me with that DCA as I'm investigating a few at the moment.

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We also have a request with Barclaycard that the 1 month deadline expires at the end of this week. Can you let us know at some point what you will be doing so we can try and understand our next actions. For the moment we will be writing to warn about the failures next weekend. Appreciate you may not want to publish actions so will it be OK to pm you Tamadeus when we get to the next stage?

 

 

Sure you can Jones I'll be happy to help

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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hi, today i received a letter from a large very well known DCA that I CCA'd in July. They couldn't comply and told me in Sept that they couldn't find agreement. I received a letter today stating that they were closing the file on this because "the debt cannot be enforced without the original credit agreement and you have now advised us that you do not acknowledge this debt any further" I would also say that this was for a not inconsiderable amount of money, and they have details of all payments made to it and direct debt mandate. now there is no way that an established company of this size and notoriety would do this if they had the slightest chance of continuing with it to court. So take heart and don't be fobbed off. I'm not posting the name here because I'm not finished with them but if anyone wants to know pm me.

 

Great news Ecobabe, nice to hear that somebody has managed to pin one of these down:D

 

PM coming your way shortly :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Moorcroft DCA have two of my debts back to the original companies so far, they just close the account after my requests for the credit agreement.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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That's great news Ecobabe, well done!

 

Do CCA requests only apply to active agreements, or can you send a request for a closed agreement?

 

Unfortunatly they only apply to accounts that and I precise subsections 77 and 78 of the act that 'are in debt', if the account is not extant or dormant, the bank has no duty to supply the agreement. Unless you can rember the agreement not complying with section 61 as I can with acouple of mine.

 

Remember the application forms enclosed in magazines, my daughter had one in her Nursing magazine the other day from a well known bank. Only one signature box! Only a small thing I know but enough to nulify the agreement.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Unfortunatly they only apply to accounts that and I precise subsections 77 and 78 of the act that 'are in debt', if the account is not extant or dormant, the bank has no duty to supply the agreement. Unless you can rember the agreement not complying with section 61 as I can with acouple of mine.

 

thanks mate

 

Remember the application forms enclosed in magazines, my daughter had one in her Nursing magazine the other day from a well known bank. Only one signature box! Only a small thing I know but enough to nulify the agreement.

 

Mike

 

Good point!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Has there been any developments on the agreement versus application argument? I have been watching this thread for a while and have even read it several times. Whilst some people say an application isn't an agreement I am not clear that this has been challenged at all. Have I missed anything?

 

In addition I have a copy of a document that says it is an agreement regulated under CCA 1974 but the small print says

 

'Please issue to me a *** *** Credit Card and PIN. I confirm the information I have given is true and complete' etc.

 

Later on it says I agree to be bound by the terms and conditions if my application is accepted. This reads more like an application than an agreement. A standard agreement would normally say that they agree to issue a card, pay suppliers etc and I agree to repay the debt in the manner prescribed. Have I got this confused somehow?

 

The document is signed and dated by me and signed by another person, not in the requisite box but I assume this doesn't make a lot of difference. It has a right to cancel box. When I first saw it I thought it looked fine. I came to look at it again because they have said I agreed to them contacting me by phone (just the 4 times today so far) but I was not convinced. Usually if you challenge these people they back down but it seems not in this case. A closer inspection has now made me question the whole document, especially as they have made me mad.

 

Reference is also made to notes on the reverse of the form, (which I think is supplied as a separate page to me now) on the monthly statements, financial and related particulars and use of information. However the front of the form shows different sections in the terms and conditions as if there was a separate schedule for the terms and conditions at the time I applied that I have not had a copy of. This was only supplied following a DPA request and I was not going to bother with a CCA request as it seemed pointless but I am not so sure now.

 

Hope this isn't too long and rambling a post and any thoughts of others would be welcome.

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Has there been any developments on the agreement versus application argument? I have been watching this thread for a while and have even read it several times. Whilst some people say an application isn't an agreement I am not clear that this has been challenged at all. Have I missed anything?

 

In addition I have a copy of a document that says it is an agreement regulated under CCA 1974 but the small print says

 

'Please issue to me a *** *** Credit Card and PIN. I confirm the information I have given is true and complete' etc.

 

Later on it says I agree to be bound by the terms and conditions if my application is accepted. This reads more like an application than an agreement. A standard agreement would normally say that they agree to issue a card, pay suppliers etc and I agree to repay the debt in the manner prescribed. Have I got this confused somehow?

 

The document is signed and dated by me and signed by another person, not in the requisite box but I assume this doesn't make a lot of difference. It has a right to cancel box. When I first saw it I thought it looked fine. I came to look at it again because they have said I agreed to them contacting me by phone (just the 4 times today so far) but I was not convinced. Usually if you challenge these people they back down but it seems not in this case. A closer inspection has now made me question the whole document, especially as they have made me mad.

 

Reference is also made to notes on the reverse of the form, (which I think is supplied as a separate page to me now) on the monthly statements, financial and related particulars and use of information. However the front of the form shows different sections in the terms and conditions as if there was a separate schedule for the terms and conditions at the time I applied that I have not had a copy of. This was only supplied following a Data Protection Act request and I was not going to bother with a CCA request as it seemed pointless but I am not so sure now.

 

Hope this isn't too long and rambling a post and any thoughts of others would be welcome.

 

MY personal opinion (and others disagree with me :) ) is that as long as the application form carries all the required details and summary boxes then it can double up as the main document of a credit agreement. Terms and conditions at the time of signing are also part of it and should have also been sent. Any copies should be legible. The terms and conditions they print on statements can only be applicable if they supply a copy of the ORIGINAL terms and conditions which is what allows them to alter them.

 

An application form will NOT be classed as part of the agreement unless it carries all the stipulated components. I have one which a certain company claim to be the agreement but carries none of the items required. Hence I am persuing them for non compliance.

 

I am also making official complaints with TS about 1 call a day from another company who refuse to acknowledge my letters let alone answer the questions in them. I consider daily calls from India a breach of my privacy, harassement, and it raises the question of them passing my personal data to a company outside the EU let alone the UK. I am convinced that is an offence under the DPA without my explicit permission.

 

2007 is certainly going to get a lot warmer as I am lighting a lot of fires.

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Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Guest The Terminator

Hi Joneshousehold

 

I brought this point up a while back and I beleive I posted the definitions of an application form and an agreement.They are defined in the Oxford dictionary as two completly different things so an application cannot be an agreement and visa versa.As ecobabe has proved today the original executed agreement as per the CCA(1974).Tamadus made a point in this thread a while back what if the application was unsuccessful an unscrupulous lender could use that application form and claim a debt exist's when it doesn't.What the financial institutions are trying to use are the regulations but unfortunatly the regulations cannot overide stature and as it say's in the Act"original agreement".

 

Hope this helps a little

 

The Terminator

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Guest The Terminator
MY personal opinion (and others disagree with me :) ) is that as long as the application form carries all the required details and summary boxes then it can double up as the main document of a credit agreement. Terms and conditions at the time of signing are also part of it and should have also been sent. Any copies should be legible. The terms and conditions they print on statements can only be applicable if they supply a copy of the ORIGINAL terms and conditions which is what allows them to alter them.

 

I'm one of the ones who disagree:D

 

I am also making official complaints with TS about 1 call a day from another company who refuse to acknowledge my letters let alone answer the questions in them. I consider daily calls from India a breach of my privacy, harassement, and it raises the question of them passing my personal data to a company outside the EU let alone the UK. I am convinced that is an offence under the Data Protection Act without my explicit permission.

 

Will look that up for you and my gut feeling is that you are correct

2007 is certainly going to get a lot warmer as I am lighting a lot of fires.

 

And I've stoked up three already this week on the D&B forum and its only 4 days in:D Its going to get a lot hotter in the coming weeks.

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I know you disagree Terminator :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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There was no agreement for my mortgage!

 

When I asked (4 years ago) for the authority upon which they relied for providing my personal information to third parties, they provided four pieces of paper which they claim was the mortgage agreement entitled 'Application' and pointed out the clause that they could provide my information 'for the purposes of obtaining credit references for the provision of a mortgage or loan'.

 

I do not see this as an agreement, rather an application. An agreement should have followed once they were satisfied they were happy with my credit. Nowadays, such paperwork would simply be a an electronic application to the Credit Reference Agencies. If the result was negative, no agreement would have been offered, if good an agreement would have been drawn up and forwarded for signing.

 

This is simply mal-administration, given the growth in the marketplace at the time.

 

Sorry, they don't have it.

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If, as a response to a cca request, you receive a photocopy of your application form, are we any clearer yet on weather this means they have compied or if you should still carry on pushing for something else? I have recieved 3 today and clueless what to do with them:( they were all received, however, after the companies had defaulted

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Surely a copy of an application form can not be a credit agreement - UNLESS it has been signed by the credit company, eg when you get a copy of your app sent back to you after the loan has started, and it has been signed by the credit company?

 

And - Just a quick one on CCA requests guys, I have used the search function yo no avail, and cannot for the life of me find a CCA Template Letter... Any pointers???

 

Cheers

 

Mike

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If, as a response to a cca request, you receive a photocopy of your application form, are we any clearer yet on weather this means they have compied or if you should still carry on pushing for something else? I have recieved 3 today and clueless what to do with them:( they were all received, however, after the companies had defaulted

 

I would assume that although they have defaulted on the timescale(s) they have issued you with sufficient proof of ownership of the debt (assuming the copies are ligeible, accurate and carry your signature). :(

 

Ive just sent of three CCAs myself, so Im waiting with baited breath!

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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