Application Form NOT Credit Agreement

[Valdez is Coming]

Hi everyone.....l really need some help with this please as l have searched for over two hours and can't find the thread l want.

 

I have sent CCA requests to several DCAs and Credit Card companies.

A couple have supplied actual detailed credit agreements, but most have sent me what appear to be photocopies of application forms which do not contain detailed information of the 'credit agreement'.

 

I know l read somewhere on the site that an application form is not a true copy of a credit agreement, but l can't find what l need.

 

Can anyone help with this? Please? I have hit a brick wall with my campaign until l can find and evaluate this information. Many thanks................Valdez

[Boobaby]

Hi everyone.....l really need some help with this please as l have searched for over two hours and can't find the thread l want.

 

I have sent CCA requests to several DCAs and Credit Card companies.

A couple have supplied actual detailed credit agreements, but most have sent me what appear to be photocopies of application forms which do not contain detailed information of the 'credit agreement'.

 

I know l read somewhere on the site that an application form is not a true copy of a credit agreement, but l can't find what l need.

 

Can anyone help with this? Please? I have hit a brick wall with my campaign until l can find and evaluate this information. Many thanks................Valdez

 

Try the Debt Collection Agencies section - bailiffs etc, you will need to look through lots of threads but I'm sure you'll find something there that will help!

[sequenci]

what info does the photo copy show and what is it missing?

 

i'm looking for credit limit? apr rate + rate of interest etc? signatures? cancelation rights etc?

[lookinforinfo]

Hi Valdez,

Below is an extract from the actual Act of what you should receive. Application forms do not comply with the request. Bear in mind that the price

is now £1 and not 15p.

 

The creditor under a regulated agreement for fixed sum credit, within the

prescribed period after receiving a request in writing to that effect from the debtor and

payment of a fee of 15 new pence, shall give the debtor a copy of the executed

agreement (if any) and of any other document referred to in it, together with a

statement signed by or on behalf of the creditor showing, according to the information

to which it is practicable for him to refer,—

(a) the total sum paid under the agreement by the debtor;

(b) the total sum which has become payable under the agreement by the debtor but

remains unpaid, and the various amounts comprised in that total sum, with the

date when each became due: and

© the total sum which is to became payable under the agreement by the debtor,

and the various amounts comprised in that total sum, with the date, or mode of

determining the date, when each becomes due.

[meagain]

Hi Valdez,

Below is an extract from the actual Act of what you should receive. Application forms do not comply with the request. Bear in mind that the price

is now £1 and not 15p.

 

Not strictly true, but never mind ...

[ladybird17]

go to the thread Consumer Credit Act Agreements - it's one of the longest on here, but one of the best!!

[Valdez is Coming]

Firstly, many thanks to everyone who has responded to my request for help. Even Meagain who was typically cryptic in his/her comment.

 

Ladybird....where do l find the thread ref Consumer Credit Act? I have searched and couldn't find it. Ecuse me if l am being thick!!

 

Regards.......Valdez

[sarahpp]

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html?highlight=Credit+Agreements

[ladybird17]

Consumer Credit Act Agreements

Hope this will take you to it - I'm fairly new to this myself. Let me know if yoi have any problems finding it.

 

 

 

 

If I have been of any help, please click the scales in the bottom left hand corner - I am no expert, these are only my opinions!

[Valdez is Coming]

Thanks SarahPP and Ladybird...will have a look and doudtless be back later!

Valdez

[sequenci]

 

I have been looking at one application form with all the CCA regs on but no credit limit / APR etc are quoted, and this is making me think it is uneforceable.

 

 

when is the agreement from? pre or after 31.5.05 ?

[Valdez is Coming]

Sequenci....each agreement is PRE 31.5.05. What is the significance of this date?

[sequenci]

Sequenci....each agreement is PRE 31.5.05. What is the significance of this date?

 

some of the rules changed..

 

when i'm back at work tomorrow i'll post on here again with some more info.

[Valdez is Coming]

Sequenci......any further comments or info please?

[Valdez is Coming]

Bump

[joneshousehold]

Have a look at the OFT guidelines which explain what is an agreement and what it must contain. No definitve answer on the application vs agreement argument but can provide enough ammunition to show the document is not enforceable

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft018.pdf