Page 55 onwards....
New section 78A of the CCA requires that, in most cases, the creditor must inform the borrower in writing prior to any variation in the rate of interest27. This applies to agreements entered into on or after the date the new provision becomes effective, and also to open-end agreements that are already in existence at that date. The effective date is 1 February 2011 unless the creditor chooses to comply earlier. 12.2 Section 78A applies to all regulated consumer credit agreements other than agreements secured on land and unauthorised overdrafts.
Got defaulted on a Tesco CC many years ago. Have been paying them £5 a month for around 11 years, still owe £6K.
Had Intrum take over this year calling me all the time. Anyway kept paying Tesco but in February this year sent Intrum a request for my original CCA, letter attached.
Received a reply back from them on October 3rd, see attached. Just want advice on how to reply to them as they have just sent me a completely new set of Tesco T & C's, telling me I had 2 weeks to respond or accept these?tescointrim130219(2).docxtescointrim130219(2).docx
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!