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Tesco Visa no CCA £9K written off!


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If you send the CCA to the DCA (with £1 but do not use your original signature) then they will have to pass the request back to the original creditor.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Well you wouldn't want any potential reconstruction of the original agreement so if you use a different signature or a postal order then they can't play about with cutting and pasting - it has been known:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I sent one of these off recently and the replied by saying they didnt need to prove they had the agreement!

Something to do with the Rankine case I believe.

 

This is what is confusing me.

Do they have to send you the agreement or not?

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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  • 5 months later...

For credit cards and loans ect Letter N:

 

Creditors and DCAs - Consumer Wiki

 

Don't sign it. Use a digital signature or print your name only. Send by recorded delivery at the very least or special delivery.

 

Use a postal order (cheques have signatures and information on your account etc).

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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I am just going to start to send these cca letters out. However, I am a bit worried about the signature issue. I wrote to them all about 2 months ago asking about a full and final settlement (my dad had offered to lend me some money) but I signed the letters. Am I screwed?

 

Thanks everyone for all your wonderful contributions you make us newbies feel like there is light at the end of the dark long long long tunnel.

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I am just going to start to send these cca letters out. However, I am a bit worried about the signature issue. I wrote to them all about 2 months ago asking about a full and final settlement (my dad had offered to lend me some money) but I signed the letters. Am I screwed?

 

Thanks everyone for all your wonderful contributions you make us newbies feel like there is light at the end of the dark long long long tunnel.

 

Rumour has it that certain creditors are being creative.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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  • 1 month later...
I wrote to Tesco Visa on the 12th February 2007 and requested the credit agreement in accordance with the Consumer Credit Act 1974.

 

They replied on the 3rd April 2007, first letter back, nothing in between.

 

"As I am unable to provide you with a copy agreement at the date the card agreement was made and a copy of the current terms of the card agreement, as an exceptional matter and in line with the Consumer Credit Act requirements, the current balance of £9K has been discharged and is no longer obligatory."

 

Signed by Senior CRA Officer

Hi can someone tell me what letter or what is the format of the letter i need to send to my bank in order to receive a copy of my CCA? Is it just a matter of sending £1 and saying you want a copy? My bank has already admitted they destroyed it but are still pursuing me for the interest which i dispute. the financial ombudsman seem to be on the side of the bank

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For credit cards and loans ect Letter N:

 

Creditors and DCAs - Consumer Wiki

 

Don't sign it. Use a digital signature or print your name only. Send by recorded delivery at the very least or special delivery.

 

Use a postal order (cheques have signatures and information on your account etc).

 

Hi can someone tell me what letter or what is the format of the letter i need to send to my bank in order to receive a copy of my CCA? Is it just a matter of sending £1 and saying you want a copy? My bank has already admitted they destroyed it but are still pursuing me for the interest which i dispute. the financial ombudsman seem to be on the side of the bank

 

Hello shaz1000,

 

Welcome to CAG.

 

Use the link davey77 posted above ...... Letter N

 

If you need any assistance start your own thread and Caggers will assist you.

 

Onwards and Upwards

 

Chalkitup

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For credit cards and loans ect Letter N:

 

Creditors and DCAs - Consumer Wiki

 

Don't sign it. Use a digital signature or print your name only. Send by recorded delivery at the very least or special delivery.

 

Use a postal order (cheques have signatures and information on your account etc).

I am in the unfortunate position that my credit card account and bank account is with the same bank. does it therefore matter if i sign the letter requesting my CCA?

 

also i found this letter via your link but it does not mention supplying a signed/true copy. is this the most up to date template?

 

[Your Address]

 

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

Dear Sir/Madam

Re: Account/Reference Number 4563210025897412

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully

Edited by shaz1000
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Hello shaz1000,

 

CAUTION

 

Am I right in thinking you are starting to ask questions (i.e. CCA request) to your bank regarding your credit card account that is with the same bank where you have a current account?

 

If so .... proceed with caution .... I strongly suggest you first open another (parachute account) bank account somewhere with a bank that is not connected with your current one and change over any direct debits AND especially stop your wages being paid into your current account if this is at present happening. Otherwise you are in a tricky situation taking matters further because the bank may pay your credit card from your bank account funds with a gem called "Right to Offset". (This effectively means they can take money from your current account to bring the credit card account repayments up to date).

 

Onwards and Upwards

 

Chalkitup

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