Cap1 & CCA return

[ladybird17]

can u save them into word or something and then cut & paste? I had this trouble earlier and in the end I e-mailed them to Smoothy and he posted it for me. I'll see if he's online

[Bailiffchaser]

Open a account @ Free Image and Video Hosting - Photo Image Hosting Site : Photobucket.com and then just upload them and post a link here to it !!!! simple !!!

[Guest Battleaxe]

You can email to me and I will upload them if you like

[Mike220359]

Err.........

 

Think that needs clarification, credit card agreement can just have the line (this is not word for word, but similar) "The credit limit will be set by us and varied from time to time"

 

E.g: It does not have to state "Credit limit is £10,000"

 

Think this is actually in the 1983 CCR's rather than CCA 1974 but not 100% sure as dont have access to it at the moment (got the lot from TSO the other day and have barely put it down since!)

 

 

If I've read this wrong, PLEASE shoot me down, i'd love to be proved wrong on this one!

 

Absolutley right but the lack of one of these terms negates the agreement. As an aside I've got an application/agreement from LTSB that hasn't got any of the above.

 

Mike

[Guest The Terminator]

can u save them into word or something and then cut & paste? I had this trouble earlier and in the end I e-mailed them to Smoothy and he posted it for me. I'll see if he's online

 

I know what the problem is I saved them in pdf format

[Seahorse]

PDF is fine Term. I can pop them onto a server for you for folks to download if you want. I'll PM you my addy.

 

Seahorse

[m55dlc]

Whoa, is this Consumer Credit Act Agreements or an IT Geeks convention?

[ladybird17]

yeh - over my head too m55:eek:

 

I'm only too grateful when I turn my PC on & something happens!!

[Guest The Terminator]

http://i149.photobucket.com/albums/s50/rambo_056/front1.jpg

 

 

http://i149.photobucket.com/albums/s50/rambo_056/rear1.jpg

 

This is the MBUSA mailer from around 2000/2001.

[ladybird17]

how do I make it big enough to read?

[Seahorse]

Yup, too wee Term. :-|

[bfb]

I would echo the point about being wary of posting enough details about ones cases to allow identification and thereby personal cost

 

I have raised s85 claims with several institutions some have asked for a copy of the section Which seems improper for holders of licences under the act

 

I believe that direct debits taken by lenders in breach of S85 of the Act fall foul of the Direct Debit Guarantee and should be refunded immediately by the bank who paid them

[ladybird17]

bfb - can you elucidate further with your S85 claims - as no one here, to my knowledge has got as far down the line as you seem to have done. Thanks!

[Bailiffchaser]

how do I make it big enough to read?

 

 

DOUBLE CLICK ON THE PHOTOS !!!

[Seahorse]

DOUBLE CLICK ON THE PHOTOS !!!

 

Nope, the images ARE small.

[ladybird17]

I HAVE double clicked on the photos! Still too small for my poor old eyes

[Joa]

ok - one village idiot to another then:D

 

S85 of the CCA says that every time a credit token (which we have established is a credit card), subsequent to the first, is sent out, it must be accompanied by a copy of the executed agreement.

We have established that cards are sent out on "credit card mailers" (industry practice) - which are generic, so we are contesting that they cannot be construed as a "copy of the executed agreement".

 

Crikey, that's summarising about 6 weeks of postings into 6 lines, but should give you the gist.

 

Looovely, got it now. Thanks ladybird

[rippedoffagain]

ImageShack® - Hosting

[TANZARELLI]

I must admit that I have not been reading this thread to closely as been busy with other stuff, however sent a letter to cap one requesting cca on 3rd Jan 2007 so by my reaconing they have defaulted with a capital D.

 

What I need from you guys is info about what I should do as a next step please?

 

Do I file if so what do I put in the POC and on N1?

 

Any info on this would be greatfully slapped back at them.

 

Cheers folks.

 

Tanz

[JonCris]

Pam- I will try! I'd need some help later on with uploading it here though. One thing with your suggestion is that you are all pretty clued up on CCA, or at least on the parts relevant to our quest. So vast majority of the seminar might be boring! With specific question you hopefully get what you want, i.e. direct answers to your questions.

 

joa Yes could you ask the DTI why they are removing s127 from the act & also what makes them think electronic signatures will be free of fraud

[Joa]

JonCris; will do with pleasure.

[un1boy]

joa Yes could you ask the DTI why they are removing s127 from the act & also what makes them think electronic signatures will be free of fraud

 

Une très bien question, mon ami!

[JonCris]

Tan write & tell them they are in criminal default & can no longer pursue any debt & if your making any kind of payments they shall cease forthwith.

 

Also advise them that as soon as this matter is resolved you are now minded to report them to the appropriate authorities

 

Also make prominent mention of their default in your POC.

 

On the N1 you refer to your attached POC which I assume is already prepared to issue with the N1

[Seahorse]

Just checked my mail Term, and got those OK. I've shrunk them down a bit, but between them they are still 3.5 Megs. But they can be downloaded at

 

Front

 

Back

[ladybird17]

Well done Seahorse & Term.

 

I particularly like the bit that says

"We hope you enjoy the many benefits of being an MBNA user"

 

Hmm..

..............

..................................

.....................?

................................. What benefits??

 

 

Now we have a couple of mailers on view, the debate should get lively again as the day progresses.