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    • Participants can get £50 - but must permanently consent to the retailer using their personal data.View the full article
    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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First Credit CCA Request


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I sent First Credit a CCA request on the 10/10/06, recieved a letter from First Credit dated 27/10/06 saying they would request the information from their client (Aqua)....

 

Unfortunatly i Completly forgot about the debt.so far though i haven't recieved anything from First Credit and they have not been in contact...

 

What should i do now?

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The rule is 12 days plus 1 calendar month after that.

Check if that has expired.

If they have not complied and it has then they cannot enforce it.

If they try you can either inform your local trading standards or take them to Court.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Guest The Terminator

This is the letter going to 1st Credit tomorrow:

 

1st Credit

P.O Box 278

Reigate

Surrey

RH2 7WB

15 January 2007

Dear Sirs

The writer is in receipt of your letter dated the 08/01/207 regarding the following Barclaycard Account:

xxxxxxxxxxxxxxxxxxxxxxxxxx

The writer notes that inter alia there is no evidence that you have been assigned to collect the alleged debt and until such time that the writer receives evidence that the alleged debt exists then the writer will not communicate further.

Furthermore the writer must also inform you that repeated phone calls or text messages will constitute a breach of Section 40 of the Administration of Justice Act (1970) and Section 1 of the Protection from Harassment Act (1997) which are both criminal offences .The writer may also infer by right that his personal data has been breached under the Data Protection Act (1998) which is currently being investigated. I would therefore suggest that communication is by letter only

If the writer does not receive a written acknowledgement of this correspondence within the next 10 working days the writer will assume that the alleged debt no longer exists.

Yours Faithfully

The Terminator

Android City

Barnehurst

Kent

I'm actually looking forward to the response:D

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  • 1 year later...

Hi, Sorry guys im new to this site but after a little advise please.

 

I have a Littlewoods account, which i have had since 8/7/1999.

 

I took someones advise and asked then to supply a copy of my credit agreement for my inspection.

I have had a few problems with Littlewoods on the past, and over the last 6months they have made a few mistakes on the account.

I thought i would obtain a copy to see that they were staying inline with the agreement.

 

I received a letter back on the 27th Novemebr 2008 saying they were unable to locate a copy of my executed agreement, but sent a copy of what it should look like (thats was nice of them !)

 

Also in the letter they asked if the account is in dispute.

 

I wrote back on the 1st decemebr explaining i was very disappointed with them, and i require a copy for my inspection.

 

(19th Decemebr 2008) I received another letter from them today saying they are going to make a full investigation into the matter and will be in contact once they have done so.

 

I need to know a reply, as far as i am concerend they had a request for my cca, which they acknowledge they cant find. how shall i reply now?? Many Thanks Guys & Girl

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