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Arrows/Sainsbury bank credit card CCA reply - LLoyds/HBOS

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Hi peeps

 

Sainsbury’s / Lloyd’s cca sent back.

 

I won’t scan the rest up ( I don’t think I need too ) it’s just freshly printed reconstituted version.

 

This defaulted back in 2009

 

Card was WELL before 2007

 

I guess it’s just Bog roll ?

 

They sent back the cca postal order (£1)

 

Thanks everyone

Scan 19 May 18 R.pdf

Edited by DragonFly1967
Redacted document

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Yep, file under ignore, literally not worth the paper it's typed on!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If the card is pre 2007 they'll need the original paperwork. Not reconstituted rubbish.

 

Ignore for now


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi everyone

 

Can someone please take a look at this Sainsbury’s credit card CCA return - and let me know if it is enforceable ?? ??

 

Thanks a million

Sainsbury’s CCA return.pdf

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What is it about the documents that you think its unenforceable.

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Is this still with the oc or sold to a dca?


please don't hit Quote...just type we know what we said earlier..

 

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Hiya DX and thanks for your quick response

 

It is with I believe arrow global - ( this is who payments goto via Payplan )

 

But I did get this letter from arrow global which confuses things even more. ( attached )

 

Please bear with me still on a steep learning curve. The info from my Payplan creditor list informs me that Moorcroft clients are arrow global ( and thus I believe arrow have bought the Sainsbury’s debt ) - I have never had notice of assignment as it’s been with Payplan and Theyvhave zero paperwork unfortunately. I guess this is what happens when you pay cash cow blindly.

 

Thanks again DX for your help

arrowglobal letter.pdf

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You dont get notice of assignment.

Its already in the contract.

Dont go down the FMoTL twaddle yellow brick road route.

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Ok - Point taken DX

 

I am not as yet up too speed on valid CCA’s

 

Does this one look valid ?

 

Thanks again

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Can you give more info on the debt as well please


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can you give more info on the debt as well please

 

Hi RI - thanks for your input.....

 

Here is pdf from DMP showing the history of debt -

 

Defaulted way back in 2005 - long been dropped of CRF. Been paying blindly since 2005 through DMP.( Payplan ) - No paperwork whatsoever unfortunately as all done through Payplan. Payplan don’t hold any either

 

Please let me know if you need any other details

 

Thanks again

DMP history.pdf

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You dont get notice of assignment.

Its already in the contract.

Dont go down the FMoTL twaddle yellow brick road route.

 

Sgt... They are supposed to get a Notice Of Assignment under law but not a Deed Of Assignment as that is a commercially sensitive document.,


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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if that's come from arrows it bog roll no T&C's and the prescribed terms are incorrect


please don't hit Quote...just type we know what we said earlier..

 

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good evening all - and thanks for all of your help

 

i have been doing a little reading and ...

 

i have a couple of questions : -

 

1 ) do the prescribed terms need to be on the same page as my signature ? - i have looked at loads of other valid CCA agreements and they seem to be on the same page ? in this instance the reverse of the sheet could just be a photocopy ?

 

2 ) does the CCA agreement need to be signed by myself AND and someone from Sainsburys bank ?

 

thanks in advance again

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if that's come from arrows it bog roll no T&C's and the prescribed terms are incorrect

 

 

Hi DX

 

It came direct from Sainsbury’s

 

First page looks iffy to me - Different type sets - and boxes do not line up ( and no prescribed terms )

 

Thanks again

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No it might appear it did....

The oc doesnt own it

So arrows get ignored unless of until you get a PAP letter of claim now


please don't hit Quote...just type we know what we said earlier..

 

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Ok thanks DX for your help

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