Little_M vs Marbles HFC

[BLADES65]

Marbles Credit Card

 

CCA request sent 5th May 2007

 

Signed for 10th May 2007

 

Today received a recorded letter back from HFC dated 30th may 2007.

 

The package included last 6 months statements but NO Agreement.

 

The letter states:

 

Dear Mrs xxxxx

 

Account Number xxxxxxxxxxxxxxxxxxxxxxx

 

Thank you for your letter dated 4th May 2007 requesting information regarding the above account.

 

Please find below the account information relating to your account in accordance with section 77 of the Consumer Credit Act.

 

 

Date Account Opened xxxxxxxxxxxx

Payment Due Date xxxxxxx

Original Credit Limit xxxxxxxxxx

Last Payment Amount xxxxxxx

Current Balance xxxxxxxx

Account Status xxxxxxxxxx

 

Please find enclosed a statement of account, please note we are still trying to locate a copy of yopur legal agreement, which will be forwarded in due course, the statement enclosed will list any payments received or charges incurred to date.

 

I trust the information I have provided to you is to your satisfaction but should you require anything further, please do not hestitate to contact me.

 

 

Your sincerely

 

XXXXXXXXXXXXX

Senior Payment Advisor

HFC Bank limited

 

 

What should I do now?

[BLADES65]

Another Letter just received.

 

Wescott have passed another account back to HFC Bank after CCA request so they can deal with it direct.

 

Anyone else had anything like this occur.

 

I am assuming thay cannot produce the agreement.

[BLADES65]

Letter just received after issuing CCA.

 

Wescott have passed account back to HFC Bank after CCA request so they can deal with it direct.

 

Anyone else had anything like this occur.

 

I am assuming thay cannot produce the agreement.

[kennyparkroad]

all it means is they are passing it back to their client

 

so dont give westcott anymore money

 

its doubtful westcott will contact you again however there is still the posibility that HFC may have an agreement, just sit and wait

[sillygirl1]

Do what I am doing and ask Wescot to remove any tracing information they have placed with credit reference agencies, this should help stop them picking up dubious debts if it places their internal recording system into question.... if they don't comply within 14 days send a complaint to the Information Commissioner as they will have laid a 'false trail' against you.

[out of cash]

hi FYTC vbmenu_register("postmenu_870506", true);

 

i have just cca a cred and they have got back to me with the crap that they cant find cca as they dont keep ccas more than 6 years that is wrong they are in deep you know for that line i am just wondering what or how to respond .i would cca the dca and orig cred if they cant supply

either waite 6 years and do not correspond only if they come up with orig copy of cca:D

 

regards

 

out of cash

[birchave0]

I sent my CCA letter back in January, nothing.......

I don't think they have it, I have sent them a letter today telling them that they are now in default and they have also committed a crimnal offence, I also said they can whistle for the next payment. There won't be one until that agreement turns up.......