Tesco Loan - True Copy of Credit Agreement

[B733]

Did CCA request to Tesco - got letter back saying enclosed reconstituted true copy of credit agreement

This is provided under the terms of the above Act using the information provided by you

 

Don't understand what they mean by saying information provided by you

 

BUT my personal details are incorrect on the copy agreement so not true copy?

 

Any ideas on what I should do ??

 

Thanks

[B733]

Sorry forgot to say agreement is 2000

[SWLABR9]

Are you saying the agreement was taken out in 2000 or it was for £2000, in which case when was it taken out please? Can we know which details are incorrect please?

[dx100uk]

can you scan up what they have sent please

 

 

and tell us the details of the debt

 

 

and why you sent a CCA request to them?

 

 

dx

[B733]

Hi agreement was actually taken out in 1999 - my address is wrong

 

Just sent CCA request as a general thing after reading things on forum about this

 

The agreement actually has my current address on

- everything I got back has my current address even though I have only lived here for a few year

 

I will try to scan it up - have read how to do do it so will give it a go

 

Thanks

[jackreacher]

Hi agreement was actually taken out in1999 - my address is wrong

Just sent CCA request as a general thing after reading things on forum about this

The agreement actually has my current address on - everything I got back has my current address even though I have only lived here for a few year

 

I will try to scan it up - have read how to do do it so will give it a go

Thanks

 

Please try.. some very good forensic examiners on this site.

If it is wrong you have a very strong case and they may not be able to enforce.

[ims21]

The data shown on the recon should be the correct information at the time the agreement was taken out.

 

It should also have the usual bits like T&cs and a statement of the amount due.

 

An incorrect address means that it is not a true copy and fails the CCA request and should not be enforceable in court. There are no other sanctions.

 

As dx has asked, can you give the background to this please?

[B733]

Hi

got into financial troubles when husband ill

- had repaid about half of loan but had to reduce payments and now paid through Payplan

 

Will try and scan agreement

- not sure if it will be any good

- my old trusted computer has just died on me

and have borrowed a friend's iPad which neither of us know how to use

[B733]

Sorry can't get the pdf which was downloaded into iBooks - any ideas ???

[dx100uk]

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGi

IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

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

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

[B733]

Hi no luck with uploading the agreement

- I must be doing something really stupid but can't work it out

 

 

- when I try to get it on CAG I can only access photos but not where it is a pdf in iBooks

- can email from iBooks but that seems to be it

- perhaps need another app who know??

 

So hope to come back soon if I ever work out how to use this ipad - but it might be some time!!

[theoldrouge]

regardless, they have sent you a recon with an incorrect address, not a true copy

 

so they have not complied with the requirements of s77(1) cca 1974 ( this was a loan?)

 

so s77(4) currently applies, so write and tell them that you have reviewed the reply to the s77 request that you made on........,

 

and the contents of their reply do not comply with s77(1)cca1974

 

Do not tell them why

[theoldrouge]

here are the guidelines for you

 

http://fshandbook.info/FS/html/FCA/CONC/13/1

[B733]

Hi thanks for your help - yes was a loan - will send off letter and see what comes back

With a bit of luck might be able to get my stuff posted up by then

Thanks everyone For your Help

[citizenB]

Was there any Payment Protection Insurance on this account ?

[B733]

Hi no I thought there might be which is why I started off getting the agreement but not according to what I got back and having done a lot of thinking about it all II'm pretty sure that there was no PPI

Chees!

[B733]

[ATTACH=CONFIG]54157[/ATTACH][ATTACH=CONFIG]54156[/ATTACH][ATTACH=CONFIG]54155[/ATTACH]

[B733]

Think my attachment is not going to work - still struggling with the pdf thing

[dx100uk]

what is causing issues?

[B733]

Hi when I try to upload onto this forum it will only let me do it from my photos - I have got a pdf saved on iBooks and Google drive but can't see any way of getting that onto here

[dx100uk]

pass no idea

you could email them if you want

 

 

 

 

dx

[citizenB]

Hi when I try to upload onto this forum it will only let me do it from my photos - I have got a pdf saved on iBooks and Google drive but can't see any way of getting that onto here

 

There are two ways to post pdf up..

 

1: at the top of the reply box there are a lot of icons - hover over them until you reach the one that says "insert image"

2: Under the reply box you will see.. "post quick reply" - "Go Advanced" - "cancel". Click on "Go advanced"

 

Scroll down the page until you see " Additional Options > Manage Attachments" Click on Manage attachments > add files > select files (this will let you choose from your computer files) - then upload files > click on insert then done.

[B733]

http://www.dropbox.com/s/585ivx864d9tkae/CCA%201999.pdf?dl=0

[dx100uk]

my screen is not rotatable sorry

 

 

dx

[theoldrouge]

regardless of what they have sent you

 

if your address is not the correct one at the account inception

 

it is not a true copy, see post #12