Consumer Credit Act - Resources Workshop

[Maggiebroom]

I am at the stage of complaints to the OFT and the Police against Nat West Credit Cards for non compliance of my CCA request. I asked for both the CCA and the PPI agreement and have received absolutely nothing, except demands for non payment and default threats. This all started because I wanted to claim back PPI I have paid since 2003 when I became ineligible to claim through retirement.

 

I have the template for the OFT complaint, but is there a template for complaining to the police? Which department of the police do you send the complaint to?

 

Is it New Scotland Yard, or your local police station or what?

 

Hopefully someone has an answer.

I apologize if this is the wrong thread, but I thought a template should be available in the resources thread if nowhere else.

 

Thanks in advance

 

maggiebroom

[Peterbard]

Hi

There is a letter that was sent to the DTI on theis very subject last week a transcrpt is here i will keep allinformed on the outcome.

 

http://www.consumeractiongroup.co.uk/forum/general/93663-letters-dti-oft-regarding.html#post903527

 

Best regars

Peter

[Pliny the Penuriosus]

I am at the stage of complaints to the OFT and the Police against Nat West Credit Cards for non compliance of my CCA request. I asked for both the CCA and the PPI agreement and have received absolutely nothing, except demands for non payment and default threats. This all started because I wanted to claim back PPI I have paid since 2003 when I became ineligible to claim through retirement.

 

I have the template for the OFT complaint, but is there a template for complaining to the police? Which department of the police do you send the complaint to?

 

Is it New Scotland Yard, or your local police station or what?

 

Hopefully someone has an answer.

I apologize if this is the wrong thread, but I thought a template should be available in the resources thread if nowhere else.

 

Thanks in advance

 

maggiebroom

 

If you were sold PPI when it was forseeable from the outset that you would retire during the contract period, You were mis sold the policy & are entitiled to a full refund of ALL the payments made & not just from the time of your retirement.

 

This assuming it was a contract term policy & not just an annual policy (renewable each year)

[Maggiebroom]

Thanks for that Pliny. That was interesting as the contract was definitely not on a annual basis. Being a credit card it would be ongoing so they have mis-sold.

 

I shall be looking into that.

 

maggiebroom

[hsbcfiddled]

subscribing.

[Josie8]

Does the signature have to follow the prescribed terms or can it be on fron tpage and prescribed terms on back?

[zubo]

Does the signature have to follow the prescribed terms or can it be on fron tpage and prescribed terms on back?

 

The signature and prescribed terms must be on ONE document (which may be several pages long but how do you ensure that each page is related to the other pages AND it was the document you signed upto???)

 

Z

[Pliny the Penuriosus]

It is my understanding that the principal prescribed terms should be on the same page & above the signatures

[joneshousehold]

It is my understanding that the principal prescribed terms should be on the same page & above the signatures

 

Any idea where this comes from?

The Act refers to document which may be more than 1 page. Is it part of later regulations perhaps?

[Josie8]

My confusion is that the Act lays out the order in which the prescribed terms should be followed finally by the signature so to me that means the prescribed terms must be shown above the signature but others seem to say the prescribed persons can be on the other side of the document to the signature i.e after it................surely the whole point is to ensure that the consumer acually sees what the terms are prior to signing...........??

[remus]

subscribing, so I can have a good read tomorrow:p

[Jangles65]

subscribed

[noomill060]

Originally Posted by shane5408

shooter,

 

did they send you any t&c's and are they current to the time you applied the card?

 

In all agreements i've seen they always state 'by signing this agrement you agree to be bound by our t&c's.'

 

If the statement re: credit limit is in the t&c's i think it would count.

 

I'm sure peter will verify

 

regards,

shane

 

 

Hi

Sorry Shane

 

All Prescribed terms have to be within the agreement not an outside sheet see section 2 of the (1983) regulations.there can be no linking to T and cs or anything esle if it isnt in the agreement it does not count as being part of the agreement, having the notice "in signing this i agree to be bound by some other peice of paper that you could have substtuted for the combined workes of Enid Blighton and put Tand c's on top" does not count if you havn't signed it it don't count no sir.

 

Sorry time to rest

 

Best regrds

Peter

 

ORIGINALLY POSTED BY PETERBARD ON THIS THREAD-

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-422.html

 

post number 8421

[conar686]

*subscribing*

[Paintball]

Subscribing

[jononi-exchange]

Hi wrote to t-mobile last week the following and today I received a reply from t-mobile as follows;

 

"I refer to information you requested within your letter and confirm that the Service Agreement you have entered into with T-mobile is regarded as "exempt" under provision of the CCA and as such we are not required to file a notice of default prior to termination of service agreement."

 

they included a copy of their current service agreement and no documents that I requested, please kindly help me what should write to them to remove this information.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account.

 

2. You must supply me with a signed true and certified copy of the original default notice

 

3. Any deed of assignment if the debt was sold on

 

Thank you.

 

[mfpa]

today I received a reply from t-mobile as follows;

 

"I refer to information you requested within your letter and confirm that the Service Agreement you have entered into with T-mobile is regarded as "exempt" under provision of the CCA and as such we are not required to file a notice of default prior to termination of service agreement."

 

AFAIK, phone contracts are not credit agreements regulated by the CCA.

 

However, as they refer to being exempt under a provision of the CCA, why not ask for chapter and verse: what section of the Act provides the exemption?

[freakyleaky]

To subscribe to a thread just click on thread tools and you will find an option to subscribe to the thread without posting. You can also set the notification preferences seeting how often you want to receive an email letting you know of a new post.

Just thought I'd mention it!

[pugsley]

subscribing thanks

[gust]

subscribed and interesting thread

[jackospades]

subscribed and interesting thread

 

how do you subscribe...can't find the tools ?

[ims21]

how do you subscribe...can't find the tools ?

 

By posting on the thread you have already subscribed.

 

To subscribe to a thread without posting, go to the top of the thread and click on "Thread Tools" and select "Subscribe to Thread"

[jackospades]

By posting on the thread you have already subscribed.

 

To subscribe to a thread without posting, go to the top of the thread and click on "Thread Tools" and select "Subscribe to Thread"

 

 

thank you..