CCA request for data replied to - surely this isn't what I asked for?

[debt-burdened]

Following reading on here

 

 

I wrote to Vanquis requesting under S77-79 of the CCA

"... a true copy of the executed credit agreement relating to this account,

together with any other documentation the Act requires you to provide ..." and a £1.00 fee was paid.

 

I have recently received in response correspondence which appears identical that posted by other people on here, namely:

 

1. A 2 page cover letter stating they have provided what I've asked for, specifically

" ... This information is provided in accordance with the Terms and Conditions of your account

and according to the information which is practicable for Vanquis Bank to refer."

 

2. A 2 page Excel style compiled spreadsheet/report headed Digital Signature Application Details.

 

3. A 10 page document that appears to be the terms and conditions for a credit agreement,

however, there are no headings, dates or references that would suggest to what or to whom it relates.

 

Notable by their absence is anything resembling a signature, or dates attached to the terms or the report.

 

Apologies for the lack of attachments but I don't have access to a scanner at the moment,

however, I can confirm that the correspondence appears identical to what I've seen on here in previous posts.

 

From what I understand, whatever they might believe,

my request under S77-79 hasn't been complied with and as such they *shouldn't* progress matters until they can rectify this and provide my valid request.

 

I appreciate that this doesn't stop them thinking they can continue to contact/chase over this matter, but the lack of documentation *should* put a stop to that.

 

I'll have a read up on other people's posts later, but could someone give me a quick reply as to whether I'm seeing things correctly.

Edited November 25, 2014 by debt-burdened

[dx100uk]

when did you sign up for the card

 

 

dx

[debt-burdened]

Either 2009 or 2010 - would need to check.

[dx100uk]

the a recon is ok

lets see it please

 

 

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!!

.

[debt-burdened]

Thanks dx100uk, will do later today. Appreciate your help.

[debt-burdened]

Hi, I've scanned and converted to pdfs

 

From what I could see the only relevant items might have been start date, terms ref name, but I could be wrong.

 

I can re-post or update here with more details if I need to.

 

Thanks

 

DB

[dx100uk]

clearly says internet application

so unless they latterly sent you a CCA to sign ...you're stuffed I think.

[debt-burdened]

Thanks for the honest appraisal.

Don't have the funds to continue to pay so we'll see what happens.

Kind regards.

DB

[dx100uk]

did they send you an agreement to latterly sign and return BTW?

 

 

dx

[debt-burdened]

No. Never a signed agreement

[dx100uk]

have you missed any payments to date?

[debt-burdened]

Just beginning to as of the last month, before that, no.

[dx100uk]

ok that's good

 

 

can I suggest something like

 

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[dx100uk]

not got their ROP have you?

 

 

dx

[debt-burdened]

No ROP. Just a plain vanilla credit card, no extras.