considering requesting CCA info from my providers.

[rizel23]

Hi all, been reading this forum for last few days considering requesting CCA info from my providers.

 

There are small balances outstanding on 3 different credit cards (barclays £780, Virgin (MBNA) £600, M&S £500) all were taken out between 2000-2004 and i can honestly say i don't remember signing a thing!

 

I don't really want to effect my credit score and would settle at partial payments if they could not provide a true CCA, can anyone please advise on the first letter i shoud send these providers and address to which i send? Many thanks

Edited June 6, 2009 by rizel23
chnage of title

[diamondgirl]

You could send this letter, however I don't know about addresses but I'm sure someone will.

 

Dear Sir or Madam

 

Re: (Your Account No.)

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

Please note all communication must be in writing only.

 

I look forward to hearing from you.

 

Yours faithfully

 

Hope this is of help to you.

DG

[B Nekket]

Did you check the letter templates?

 

Do not pay a single thing unless they show you your CCA.

[rizel23]

thanks all, i totally missed the template section, but thanks DG

 

I think I'm confusing myself by reading all this now, but first i guess i need to know if all agreements are valid and i presume i continue to make payments till it is in question that they are not (if that is the case)

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

[diamondgirl]

Hi

 

If it was me I would keep making the payments but that's up to you.

 

Send the CCA request to them all and dont forget the £1 PO with each one, send RD so you have a record of posting and you can keep a check on when they receive it. They have 12 + 2 days to respond to you after that time if you've not got what you have requested then you can send an account in dispute letter and stop paying until it's resolved.

 

When you get your replies scan then up you can do it thro photobucke its free then everyone can advise you.

 

Dont use your usual signature for the letters or if you do put a couple of crosses or lines through so you know that they haven't digital enhanced or copies and pasted your signature.

 

Hope thats helped you, if they phone you dont speak to them, if you do you must tell them that everything has to be in writing only.

 

DG:)

[rizel23]

Many thanks again DG

 

If anyone could provide postal address for Barclay's, Virgin & M&S &More cards i would gratefully appreciate it

[rizel23]

can anyone help on the adddress? Would really like to get letters off ASAP! Cheers

[diamondgirl]

Will see what I can find for you tomorrow when I go to work if nobody comes up with anything tonight.

DG

[diamondgirl]

I've got an address of:

 

Customer Services

Barclaycard

PO Box 5592

Nothampton

NN4 1ZY

 

DG

[rizel23]

Thanks DG, i found all address needed after a good search, all gone recorded 1st Class today, looking forward to seeing what i get back! thanks again!

[cymruambyth]

Posts crossed!

Trying to be clever and fobbing you off?

[rizel23]

i think so!

 

I shall fire that letter off tomorrow!

[cymruambyth]

It may be a good idea if you start different threads for the different companies. This will make it easier for everyone to follow. If you press the red triangle and explain to the site team someone should be able to help you.

Edited June 16, 2009 by cymruambyth
typo

[saintly_1]

If you post up which posts belong to which company I will see about sorting them

[rizel23]

how would you like me to do that saintly_1, or the easiest way for you? should i edit each post and but the credit card comany name on top or bottom?

 

Sorry to be a pain

[saintly_1]

Whatever is easiest for you

[rizel23]

all done saintly_1 the best i can, many thanks

[saintly_1]

Think I have managed to get the right replies moved as well

[rizel23]

cheers saintly_1, fantastic work!

[rizel23]

I have three unsettled (in dispute) defaults that are due to expire after the 6 years with the last one on 11th February 2016

 

Can anyone please advise when is the best date to check the defaults have dropped off my file?

 

Thanks.

[fkofilee]

March time.

 

Check with Clearscore and Noddle. Remember 6 years from default date.

[rizel23]

March time.

 

Check with Clearscore and Noddle. Remember 6 years from default date.

 

Thanks yes, times quoted are when from placed on file, the actual last default date was 27th August 2009, but did not reach credit file until the 11th February 2010

[fkofilee]

Thanks yes, times quoted are when from placed on file, the actual last default date was 27th August 2009, but did not reach credit file until the 11th February 2010

 

Hi Rizel...

 

Sorry about my short response before. It would be March time

So wait until your Noddle CRA Refreshes in March to check