Lowell claimform - newday GE Capital Bank House of Fraser storecard

[EveOwes]

Quote

 

The statements have been recreated and not original......the agreement is an application and questionable (Pre April 2007).

No copy Default Notice.

 

Did you receive and complete the PAP questionnaire before this claim was issued ?

 

 

I must have received the PAP thing beforehand as I found it I think when filling in CAG questionnaire, but I didn't fill it in as I was not answering/opening/responding to mail.

 

So does this make a difference?

[dx100uk]

The statements have been recreated and not original......the agreement is an application and questionable (Pre April 2007).

No copy Default Notice.

 

is the imp bit...

[EveOwes]

Hi

Statements recreated/not original - why is that important? These look like they are computer generated.

 

The CCA pre April 2007 seems (to my untrained eye) to contain the minimum requirements with possibly the exception of details of my right to cancel which isn't clarified and was 'sent in the post' to me.

 

The signature is mine.

 

I never requested a copy of the default notice.

[dx100uk]

Hi

Statements recreated/not original - why is that important? These look like they are computer generated. - by the claimant not the original creditor GE Capital bank [no information s to where they have come from]

The CCA pre April 2007 seems (to my untrained eye) to contain the minimum requirements with possibly the exception of details of my right to cancel which isn't clarified and was 'sent in the post' to me.

 

The signature is mine. - it an APPLICATION form , NOT a Signed AGREEMENT , and does not contain all the prescribed terms and conditions.

I never requested a copy of the default notice.

 

 

there are pages of T&C's missing too ….BOGROLL!!

 

 

why did you not request the Default notice?

 

 

to terminate an agreement a default notice MUST be served by the original creditor.

[dx100uk]

open please update

 

dx