Newday & Paypal CCA returned without signature ???

[somewhere]

NO CCA = No Pay ? Paypal/Santander/Newday

 

Wow ! best news I've had for ages.

 

 

...am in exactly the same position with an old Paypal card

except I've had lots of £12 charges since I often forget the payment dates as I don't use the account.

 

Newday cleared the old Santander account manager statements.

All gone and they send a paper account now and don't hold the old Santander payment account records.

So I'm off to send them a CCA request

- can I do anything about the late payment charges ?

[renegadeimp]

Yes. SAR the company and get the statements. Then start reclaiming them.

[somewhere]

Thankyou - once again CAG my hero !!!!

[somewhere]

Advice please !

 

CCA has been returned by Newday as a 'copy of my agreement'

 

but it's a photocopy with the name typed in and date inserted but my signature is not on the document.

 

They state " Please find enclosed a copy of your credit card agreement, Terms and Conditions and statement of account."

 

Does this mean I have to pay ?

 

Firstly apologies if I should have only posted my comment on the old paypal credit card thread - but I wasn't sure...so again apologies....

 

 

Advice please !

 

CCA has been returned by Newday as a 'copy of my agreement'

but it's a photocopy with the name typed in and date inserted but my signature is not on the document.

 

They state " Please find enclosed a copy of your credit card agreement, Terms and Conditions and statement of account."

 

Does this mean I have to pay ?

[dx100uk]

not been reading around theN?

 

prior to APR 2007 they'll need the SIGNED AGREEMENT.

 

unless you took it out online?

 

is this debt on your credit file?

[somewhere]

As always...thanks for your time & advice...it is (as always) very much appreciated !

 

Date of contract 02/02/07

 

Always treated as a credit card account.

 

 

When GE Money ended the partnership with Paypal the cards were withdrawn and never replaced.

Then it was passed to Santander and now Newday.

 

I get a monthly statement with interest added, the amount available to ppend but have no way of using the account, which newday and santander were and are aware of.

 

I make a payment every month (sometimes late as I forget:oops:)

 

Reading the original thread prompted me to send the CAA request, the unsigned photocopy is what Newday returned.

 

As I mentioned it does state in the signature section This is a credit card agreement regulated by the Credit Card Act 1974.

Sign it only if you want to be bound by its terms

 

Signature of customer (Please type your name) My name printed - and no signature ????

 

Getting confused as to where I should be posting replies:madgrin:

[citizenB]

Getting confused as to where I should be posting replies:madgrin:

 

Here

[dx100uk]

satan bank at all have been adding interest to date - something smells. badly

 

 

ans post 6 Q's please

 

 

dx

[somewhere]

unless you took it out online?

 

Not as far as I remember - my late father arranged it for me and I seem to remember 'post' arriving and waiting for documents

 

 

is this debt on your credit file

 

It would seem not.

 

One other thing....Santander used to provide an 'online account manager' which showed all payments made and all statements online.

 

 

Newday told me when I had trouble finding same, that all the info which was available online had been archived

and was no longer available and from now on all statements would be sent monthly by post - which they indeed are.

 

I did ask for copies of the 'online' account which had years of information on it,

however I was told it was no longer available ???!

 

 

Paying Newday was almost impossible for the first four months as their phones didn't connect.

 

 

Whenever I try to pay on the automated system or via an operator they inform me that my bank has declined the transaction

and when I ring the bank to ask why....they tell me that no transaction from Newday has been presented.

No wonder my payments are late !!!

 

Sorry....I slipped into a little rant there:mad2:

[dx100uk]

no that's good info

 

 

sar for sure to satans/newday

 

 

dx

[somewhere]

Thanks DX will do.

 

Forgive me if I'm a bit thick - but what do you mean by "no that's good info":oops:

 

Shouldn't you be tucked up in bed at this time of the morning ?

 

Sorry DX

 

I must have been having a senior moment last. Somehow I didn't quite get what the good info was...now I do.

 

Do I do anything about the unsigned contract or just send a SAR request ?

 

Thanks again

[dx100uk]

get the sar done

 

 

let things run

 

 

dx

[somewhere]

This problem is still on-going - my brother died suddenly after my last post and then my mother was diagnosed with cancer, so I just kept on paying every month as I had other things to worry about.

 

If i have to keep on paying - I will - but I've paid thousands more than the card amount.

The account arrives from New day, stating how much I have to spend....but I haven't had a credit card for that account for years, ever since paypal stopped the card.

 

What I didn't notice is that the cc agreement they sent as an original has a slightly different interest rate listed to the interest stated on the copy I have and it's not signed.

 

I only write as a payment is due, every time I make one I grit my teeth, they have had so much over and above. Is there anything I can do. If not....I'll just keep paying.

 

Thanks

[dx100uk]

ok did you ever send newday an SAR?

 

 

ideally you should have stooped paying or dropped to £1PCM.

[somewhere]

No I'm afraid I didn't send a SAR....things got a bit difficult, I'll do it now, sorry.

 

 

How can the payments come down to £1 per month,

they've been calling as I always forget to pay on time as I don't have a card to use.

 

 

Not much of an excuse, I know

 

Sorry....when I say I don't have a card....I mean I forget because there is no card associated with the account...so I forget it exists !

[dx100uk]

what are you paying them?

[somewhere]

On an outstanding balance of£2768...the minimum payment is £70.18...I usually pay about £100...usually less £12 late fee as I usually forget !

 

On an outstanding balance of £2,768 with amount available to use £2,232 (only how I can use it is a mystery without a card!!??) not that i want to ! The minimum payment is £70.18 and i usually pay about a hundred

[somewhere]

Hi

It went from Paypal to Santander to Newday. I'm not sure what you mean by the DMP.

If you mean Newday, they transfered the amount fron Santander when it was £4,175.89. debit

 

They continued to treat it as an active credit card so in May 2014 the statement reads total brought forward £4175.89

Payment received £223.53

Interest £61.90

Total £4014.26

New Balance £4014.26

Minimum payment due date 01 June 14

Minmimum payment £101.42

Avialable to spend £1,985.74 (???!!!)

Estimated interest next month £65.61

 

Does that answer your question....by the way thanks for your help

[dx100uk]

right so ouch they are treating it as a credit card

that you cant use at all.

 

 

if this was a GE money financed card it must go back years.

 

 

something smells here to me

[somewhere]

I've got all the papers but working from memory card began in 2008, then in 2012, can check, the card was stopped and a replacement never happened. I had real financial issues then and could never pay more than the minimum, but since then, even though it shows the balance available, a card has never been issued.

 

It has cost a fortune without any benefit and when I raised the issue of the card they had no answer and told me I had little choice other than to pay it off in one go and because of the other issues we had then I just continued to pay.

 

So, yes, it has been going on for years and yes, I know I borrowed the money on the card initially but I must have more than paid it back in interest. I just feel like I'm being taken for more than is reasonable.

 

Again, I don't know if the difference in the interest rate in the 'original' contract they produced last year and the original contract I have on my records is enough to do something with.

 

Thanks

[dx100uk]

KIdeally if you had known issues years ago

They should have frozen the interest

Why don't you write to them

Ask them to close the account and you pay £xx pcm

 

Or you could total up what you have paid

And total uP their interest

And let's see

Might be a case for a complaint?