Jump to content

 

BankFodder BankFodder


gpp

halifax CC debt - 1st credit chasing - two Diff CCA's supplied?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2605 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Good morning everyone.

 

I have just received a large envelope from 1st. It contained a large bundle of photocopied statements which, apart from having no OC markings on it appear ok. However, there is no corresponding credit aggreement (signed, recon or not), no terms and conditions and no details with regards to interest rates.

 

There are, inevitably, PPI charges and corresponding interest charges (charges I have not yet reclaimed).

 

Do I send a letter asking for the T & C's and aggreement? Is this a sudfficient reply from the DCA?

 

I do not wish to evade the debt, my main aim is to be armed with enough knowledge so as to have my very small payment accepted and that the DCA does not progress the litigation issue (bankruptcy etc).

 

I would be extemely grateful for any help and guidance.

 

Thanks in advance

Share this post


Link to post
Share on other sites

Appologies, a point I forgot to mention.

 

I have checked all three CRA's. The debt does not appear on Equifax or Experian at all. It does show on Noddle however. Does this help my case? It does seem very odd.

 

Thanks again to anyone who can help.

Share this post


Link to post
Share on other sites

welocome along gpp

 

can we have the debt history please

 

dx


..

Share this post


Link to post
Share on other sites

Hi dx, hope you are well.

 

I wont bore you so I will be as salient as poss.

 

Halifax CC debt. Purchased by 1st(31.07.12 as per their letter threatening bankruptcy).

Debt 11k

Last payment on account 25.11.09 as per statement from 1st, no payments since.

 

I have progressive MS and my family and I have had our lives/future changed.

 

Sent letters to Halifax around 7/8.09 explaining situation was not good.

That has been my only contact with the OC.

 

Just been through statements and there is definately no signed agreement/t and C's.

 

I have just drafted a letter to ask for the C/A and sai that the account was still in dispute. Is it worth sending?

 

Thanks in advance again dx.

 

Much appreciated

Share this post


Link to post
Share on other sites

Sorry dx, having the memory of a goldfish, I forgot to mention that the account was with Halifax but it was run on behalf of Amazon.

 

No more to come...............at the moment!

 

Thanks again. Your help is very much appreciated.

Share this post


Link to post
Share on other sites

Morning everyone.

 

Just wondered if there are any thoughts with regards to my last posts.

 

Have drafted a letter saying I have no CCA. And that they have untill 27.09.12 to supply. I have also stated that the account is still in dispute and any legal action will be viewed as unlawful. Is it the right thing to do?

 

Thanks in advance

Share this post


Link to post
Share on other sites

Cheers dx

 

Will come back.

 

Thanks again

Share this post


Link to post
Share on other sites

Good afternoon everyone.

 

In need of some guidance.

 

Brief history:

 

Requested CCA details from 1st Credit early September.

After two weeks or so, received poor photo copies of statements, no CCA or other details.

Sent another letter, RD, asking for CCA and other details.

Received letter from 1st saying the documents were being requested.

Received today, letter from 1st saying they have fulfilled their obligations enclosing CCA and other details.

 

Here's the thing.

 

I have actually received TWO Credit Card Agreements.

 

On first flicking through I thought that they were copies of the same thing.

 

The two agreements that were sent have the correct information re the parties to the agreement, however, the Key Financial information differs considerably.

 

The APR on the two agreements are completly different. The interest rates on the table contained on Other Financial Information differ hugely.

 

The wording in the Key financial Info section is also different.

 

Its probably all legit, but my question is..

 

. How can I have two different agreements for the same account?

 

If there was a change, surley there should be dates on the agreement as to when they changed?

 

Any assistance much appreciated.

 

Thanks

Share this post


Link to post
Share on other sites

one a recon?

 

one the org?

 

seems poor though

 

tell us a bout the debt

 

does it show on your CRA file?

 

dx


..

Share this post


Link to post
Share on other sites

Hi Dx

 

Many thanks for the reply.

 

Debt does appear on CRA file as 'Queried'

 

CC debt from HBOS. There is lots of PPI and associated interest. I am currently working on that. debt total 11k.

 

If two CCA's are received which one counts? There are no dates to either of them.

 

The letter received from 1st informs me that a true copy of the agreement is enclosed. Which one is true? Surely only one is correct?

 

Are there issues with this response?

 

I'm probably chasing my tail with this but it all seems odd. Have 1st messed up?

 

Will repay but just checking their response.

 

Thanks again Dx

Share this post


Link to post
Share on other sites

threads on same subject merged

 

pleease keep to one thread

regarding all issues with this debt

 

dx


..

Share this post


Link to post
Share on other sites

can you scan up the two CCAs please

 

can the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


..

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...