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Friends Tesco Credit Card CCA - is it valid?

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In helping a friend to deal with her debt problems, I wrote to her creditors requesting copies of Consumer Credit Agreements.

 

Tesco responded with a photocopy of a signed agreement for an account that is in default and being (slowly) paid under a DMP.

 

I have read posts on here about checking the validity of agreement (interest rates, minimum payments, etc) but much of the information seems very dated.

So, my question is: 'Is there any advantage in checking the validity of a credit card CCAs now and, if so, does anyone have a link or advice to help me in making the check?'

 

I ask because I am trying to achieve an affordable F&F for her.

 

Thanks


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Tesco agreements are pretty much tied up nicely.. so there might be no mileage in you doing it for this particular debt.

 

Was there any PPI or charges that could be reclaimed ?

 

When was the agreement entered into ?


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Tesco agreements are pretty much tied up nicely.. so there might be no mileage in you doing it for this particular debt.

 

Was there any PPI or charges that could be reclaimed ?

No PPI - other charges not known (statements only for the last 6 years) - the SAR may show more when it eventually comes.

 

When was the agreement entered into ?

2002 - were their CCAs generally up to scratch back then?

Thanks


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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OH had a Tesco CC and yes, when he received the copy, it was one of the better ones. However, they had added PPI when it was definitely not a product he should have had.

 

They were one of the better companies to deal with when approached about reduced payment plans.. stopped interest immediately, although they insisted on issuing a Default Notice first. They kep the payment plan in house and the person who was most approachable was (is) .. .

 

 

Tesco Personal Finance

Credit Card Operations

PO Box 5747

Southend on Sea

SS1 9AJ

Attention : DL Munn

Recoveries Manager - Collections

Hope that helps..


Please consider making a small donation to help keep this site running

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donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you CitizenB. A name, particularly of someone approachable, is a great help.


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

Share this post


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:thumb:

Please consider making a small donation to help keep this site running

Click here to

donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Here is a scan of the CCA sent by Tesco Bank.

 

Please can anyone advise me if there are any omissions or discrepancies that would help me in negotiating a (low) F&F settlement?

 

I notice it doesn't contain either APR or term - is this relevant on a credit card CCA?

 

[ATTACH]38953[/ATTACH]

 

Advice appreciated.


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Hmm, that is different to OH's... do they make any reference to terms elsewhere ? There should be more than just that one page.. !


Please consider making a small donation to help keep this site running

Click here to

donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I agree with citizenB, there should be more than that, and there's no reference to terms overleaf/attached/enclosed.

 

Looks unenforceable to me.

 

Rob

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Sorry, that is down to me. I should have mentioned that it came with a photocopied standard set of terms. Of course, I don't know if these were the terms applicable back in 2002.

 

Here they are (scanned as two separate pages for easier reading):

 

Also enclosed was a signed copy of her most recent statement.

 

[ATTACH]38956[/ATTACH]


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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I've not had a proper examination of those terms, just a quick look so I won't comment on their contents.

 

However, these must be an exact copy of the terms, if any, which were presented to your friend with the application at the time it was signed in order that it can be argued that they form part of the alleged agreement. Does she remember if that was so, or does she have a copy of the original tucked away somewhere?

 

Rob

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I've not had a proper examination of those terms, just a quick look so I won't comment on their contents.

 

However, these must be an exact copy of the terms, if any, which were presented to your friend with the application at the time it was signed in order that it can be argued that they form part of the alleged agreement. Does she remember if that was so, or does she have a copy of the original tucked away somewhere?

 

Rob

 

She has no recollection of having received any Terms and Conditions - she certainly has no record/copy of any.

 

On re-reading the CCA I cannot find any reference to T&Cs (but my eyes are knackered). Presumably this is relevant to the enforcement of the agreement?

Or am I missing something here?

 

Thanks

LTK


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Firstly, IMHO, it is highly unlikely the application and separate 'General Conditions' are linked, because;

 

They have taken the trouble to describe where the sections referred to in section 8 (signature area) of the application can be found on the form. i.e. they refer to sections of the application headed "Your Information" and "Keeping You Informed" and tell you exactly where to find them on the sheet.

 

They also say " ... Sign it only if you want to be legally bound by its terms."; but they don't bother to say where those terms are so it can be assumed that they can only be referring to the contents of that application sheet. Why did they not say "... terms contained within the section headed 'General Conditions' "?

 

If the documents are not linked then I'd say several prescribed terms are missing.

 

Referring to the prescribed terms, I quote from elsewhere;

 

 

The prescribed terms are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553), and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, a term stating the rate of any interest on the credit to be provided under the agreement, and a term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following—

1. Number of repayments;

2. Amount of repayments;

3. Frequency and timing of repayments;

4. Dates of repayments;

The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

 

I think you are right that even if they argue the 2 documents are linked, they have failed to state the interest rate. I think they have also failed to state the credit limit or how it will be determined.

 

Rob

Edited by robcag

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Right - how about a game of spot the errors?

 

What can you see that may invalidate this CCA? To get it started how about....

 

No reference to the T&Cs.

No signature by the creditor.

 

Over to you now....


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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As previously posted, I now have a copy of a CCA relating to a credit card taken out in 2002 (a friend's account).

 

[ATTACH]39084[/ATTACH]

 

As you can see from the above, the quality is very poor - certainly not what I would expect if it is a 1st copy of a real agreement.

 

I suspect it is either a copy of a copy of a copy or it is taken from a microfiche scan,

 

I have already sent a SAR to RBOS (with the numbers of this and other accounts) but that is still weeks away (and may not even include this Tesco account).

 

Before I get into the complexities of if the CCA is enforceable, can anyone tell me if there is any way of determining if they do actually still have the original agreement?

 

Thanks.


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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This may well be a copy of the original agreement back in 2002 the app and agreement were often the same thing, the production of this together with proof of acceptance and useage of a credit facility may well lead a judge to conclude that an account existed and the debt subsists.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Hi Brig and thanks for the quick reply.

 

My understanding was that, without the original signed CCA (as it is pre 2007), the debt would not be enforceable in court - am I wrong?


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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as advised you need to becareful.

 

its all verywell looking for a paperwork wriggle to get out of debts

but if the debt has been serviced for several years

it'd be a blind judge that agrees the debt is not yours.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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as advised you need to becareful.

 

its all verywell looking for a paperwork wriggle to get out of debts

but if the debt has been serviced for several years

it'd be a blind judge that agrees the debt is not yours.

 

dx

 

What a disappointing reply and attitude, particularly from a member of the site team.

 

How about a bit less speculation and finger pointing then?

 

At NO point have I said anything about avoiding debt here or saying it doesn't exist!

 

Before ANYONE gets on a moral high-horse let me say I have recently made a full and final settlement offer on this debt which was been refused by the creditor.

 

Does that sound like 'wriggling out' of anything to you?

 

I am looking for 'negotiating tools' here.

 

But of you can't or won't help, just say so, preferably without subjecting me to your moralising.

 

HTH


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Hi Brig and thanks for the quick reply.

 

My understanding was that, without the original signed CCA (as it is pre 2007), the debt would not be enforceable in court - am I wrong?

 

A copy would suffice I think, there is a consierable amount of case law that has altered the perception of what is enforceable and what isn't.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Is that ALL they sent you?

 

For an s78 request to be fully complied with you MUST receive.

 

Copy of or reconstruction of the agreement/application

Terms and conditions from both inception and at the time of default or currently if not in default.

If varied at any time, then the varied terms are to be provided as well.

Plus a statement of account.

 

I am quite surprised if that is all they sent you, because Tescos are usually pretty much on the ball with the provision of documents from that period of time.


Please consider making a small donation to help keep this site running

Click here to

donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This may have been RBS rather than the now Tesco Bank,it does have the old card services address Priory Cres Southend on it.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What a disappointing reply and attitude, particularly from a member of the site team.

 

How about a bit less speculation and finger pointing then?

 

At NO point have I said anything about avoiding debt here or saying it doesn't exist!

 

Before ANYONE gets on a moral high-horse let me say I have recently made a full and final settlement offer on this debt which was been refused by the creditor.

 

Does that sound like 'wriggling out' of anything to you?

 

I am looking for 'negotiating tools' here.

 

But of you can't or won't help, just say so, preferably without subjecting me to your moralising.

 

HTH

 

its not a moral issue

CAG does not condone debt avoidance, we deal with the issues of if you have been 'wronged'

 

without further info concerning the debt, we cant move this fwd with scant info.

 

now why did the OC refuse the F&F?

 

tell us about the debt please

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Is that ALL they sent you?

 

For an s78 request to be fully complied with you MUST receive.

 

Copy of or reconstruction of the agreement/application Received - copy posted in first post.

Terms and conditions from both inception and at the time of default or currently if not in default. One set of T&Cs - I don't know when they date from - attached now

If varied at any time, then the varied terms are to be provided as well. Don't know if this happened.

Plus a statement of account. Received

 

I am quite surprised if that is all they sent you, because Tescos are usually pretty much on the ball with the provision of documents from that period of time.

 

The Account was defaulted in 12/2006 and has been paid under a (self administered) DMP since then.

 

[ATTACH]39091[/ATTACH]

 

T&Cs attached now.

 

Thanks


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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without further info concerning the debt, we cant move this fwd with scant info.

 

now why did the OC refuse the F&F? That I do not know - the F&F offer was made in May and was for approximately 25% of the debt.

 

tell us about the debt please Please see below.

 

dx

 

I am doing this on behalf of a friend whose failed marriage left her with some £35,000 of debt.

 

She had adhered to a (self administered) DMP for almost seven years now.

 

She is barely able to keep to it now (public sector worker = pay freeze).

 

Credit card taken in 2002

Defaulted in 12/2006 (when DMP started)

Monthly payment of £8.00 being made

Balance £1300

F&F offer made in May of £350 - refused.

No PPI

No details of any charges made before 2006.

 

RBS SARed 4 weeks ago (there are other RBS accounts in her debt)

This is by far her smallest single debt.

 

Copy agreement and T&Cs posted in previous posts in this thread.

 

The intention (hope) is that a small enough F&Fs can be reached to clear this and her other debts.

 

Help/advice much appreciated.


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
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