1st Credit

[questioner]

“If you have a credit card where the contract was issued before the 1st of April 2007 you will want to know about our credit card claims service. With each credit card review we analyse whether the credit card agreement is unenforceable.”

 

Credit Card Claims. Claim to clear your credit card balance.

 

Is this the same stuff what I have learned on CAG about CCAs?

[diddydicky]

“If you have a credit card where the contract was issued before the 1st of April 2007 you will want to know about our credit card claims service. With each credit card review we analyse whether the credit card agreement is unenforceable.”

 

Credit Card Claims. Claim to clear your credit card balance.

 

Is this the same stuff what I have learned on CAG about CCAs?

 

my advice? simple

 

Bin it!

[questioner]

my advice? simple

 

Bin it!

 

Fair enough - shall do

 

 

I have just declared war on several more DCAs who are sending me new accounts threats that I don't know about. The whole situation is crazy.

 

 

CCA time again.

 

Good news is that OFT got back to me again saying they are still monitoring the 1st crudites.

Edited June 22, 2009 by questioner

[questioner]

NOW HERE’S A TURN UP

 

Looks like Blaor oliver and snot have forwarded a 90% acceptable CCA

 

The only thing I can question is the bit under “applicant’s signature”.

 

Mine is there and my partners is on too but the bit that says “signed for and on behalf of the bank” also holds our signatures too with something underneath it that is blurry. Should this not just have their signature on it and not ours?

 

 

Is this “signed for and on behalf of the bank” item vital or not?

 

The preference account bit is also hard to see but the account number is clear at the top of the page.

 

 

I also note that the 'Customer Details' only has my name on and not my partners although they send their letters to my partner as well for payment demand. It gets a bit complex.

 

 

Its 2 pages and the back bit is CONDITIONS OF USE but that is hard to read. Vital or not?

 

 

Now do I be nice and go with their call or challenge this?

 

Just not sure about this one. What do I say?

[diddydicky]

its a minor matter- it means that it may not be properly executed in whihc case the creditor would have to ask the court to enforce it

 

can you post it up

[diddydicky]

if it is not Easily legible then they haev failed to comply with your request and are in default

 

not EASILY legible not juts about , almost or maybe if i look withn a magnifying glass

[diddydicky]

sorry should have said

 

NOTE- easily legible , not just about, almost or maybe if i look with a magnifying glass but EASILY

[questioner]

bit nervous to post up stuff - not sure how to

 

I feel that the bit where they should have signed for the bank and it has my name on instead is iffy. I may say.........

 

. The box under “Applicant’s Signature” is in error. In the item stating “Signed for and on behalf of Bank of Scotland”, is my name. I have never worked for your bank. I have to tell you that this is incorrect and the smudge on this particular line is wholly illegible. I believe this possibly calls into question the validity of this alleged copy agreement.

 

 

doesnt this invalidate the whole thing? my partners name is NOT on the copy either but they ask for money from my partner .

[diddydicky]

scan your agreement into word or get a photobucket account then post it up here

 

this is a self help forum so you haev to be prepared to do some of the work yourself

 

sons and daughters usually know how to do these things!!

[questioner]

I will have a go and black out the personal detail - that ok?

[diddydicky]

go for it what have you got to lose (apart from all the data on your computer!!(joke)

[questioner]

go for it what have you got to lose (apart from all the data on your computer!!(joke)

 

lol - ha nearly sorted it

 

few mins

 

thanks

[questioner]

[questioner]

Wow How Clever Is That ?

 

The Yellowe Is My Signature And The Red At The Top It The Account Number.

 

I left a part of the acc number in the box below to show how bad it is.

 

like i said whats my name doing in their signature line?

Edited June 24, 2009 by questioner

[lexis200]

I thought they had to state a monthly interest rate, not just APR? Don't quote me on that though as I'm not sure!

[questioner]

page 2 in one mo

[questioner]

I can hardly read this

 

[questioner]

And here is the crudite CCA that they keep saying is kosher that I have challenged too..

 

just needs editing - hang on

Edited June 24, 2009 by questioner

[questioner]

the application declaration bit of the right of the crudite page is illegable

 

?

[questioner]

this is what the crudites base their case on

 

Edited June 24, 2009 by questioner

[diddydicky]

 

where in this document does it say that it is an agreement regulted by the consumer credit act?

 

the prescribed terms as far as i can see are not there

 

where are the cancellation rights

 

what you have received is not easily legible

 

was this agreement taken out in england?

[diddydicky]

its an application form not an agreement!

[diddydicky]

although it is barely readable it does refer within its own text as being an application

[questioner]

What Should I Be Saying To Bler Oliver And Snot And The 1st Crudites About These Two Issues Then?

[questioner]

although it is barely readable it does refer within its own text as being an application

 

You mean the BOand S two pager?

 

So its ok for them even tho they have me on the wrong line plus my partner not being named also etc?

 

If so they can have their tokens back

 

Just got a complaints form re the Ist Crudites activities in from FOS but will dump that too if I have been wasting my time of these cases .

Edited June 24, 2009 by questioner