Hillesden/DLC help needed

[rory32]

A calender month would be 30 days unless there is a Sunday on the 30th day. In that case it would be 31 days.

[shirei12]

Thanks rory thats what i thought, but didnt know about the sunday bit.

[shirei12]

Hillesden were meant to update me on proceedings in 21 days. that letter was dated 11th.july. its now 30 days and no contact, is this a good thing? Egg go into default on 23rd August.

[rory32]

Difficult to say whether it's a good thing or not. The 21 days thing is just a standard letter. Often it's meaningless cos they don't update you after 21 days.

[shirei12]

So if mine is produced and I post it her will you be able to advise?

Hi, Can someone explain how to upload a scan here. Received cca today and it all looks to be in order,just wanted some confirmation on this. Cheers

[Curlyben]

Time to open a Photobucket account.

Then upload the scanned doc there and post a link here.

The one using the [ IMG ] tag works straight off.

 

Image hosting, free photo sharing & video sharing at Photobucket

[shirei12]

IMG]

Hope they have come out ok, not sure if i have done it right. Can someone take a look and see what you think about the cca.Thanks

[shirei12]

That doesnt look right lol. HELP

[Curlyben]

Here you go:

[shirei12]

Thanks curlyben. Does this look like the real thing?

[shirei12]

bump

anyone?

[shirei12]

bump again.has anyone got any views

[rory32]

There are a couple of issues with it. The first is that the signature is on a different page to the prescribed terms. The second is that there is a clause that the agreement is not binding until they complete their final checks (this would seem to fall under s59(1) which would make the agreement void and is possibly also against most of the principles of contract law). I'll have to do some further reading and have a think before giving you a definitive answer.

[shirei12]

Thanks rory once again. dont you ever sleep lol

[angry cat]

Where are the 2001 T&C's, they should have been sent to you along with the copy of the alleged agreement.

 

Re Harassment from DLC which is part of Hillesden Securities.

Report DLC to Consumer Direct and write to:-

 

Mr. Bill Johnson

Debt Team

Consumer Credit Fitness Investigations

The Office of Fair Trading

2-6 Salisbury Square

London EC4Y 8JX

 

Tell him how you are being harassed. The OFT are at present looking at DLC and their fitness to hold a consumer credit licence.

 

AC

[shirei12]

Hi angrycat,i didnt know they should have sent them,do you mean with the requested cca. I did my application online and I cant remember if i had original one, I rarely throw things like that away but i cant find my copy of cca to compare.Also i was a fool because i was off work for over a year with cancer in 2001 and i suppose i should have used the payment protection thingy but it never occured to me,dooh! Not sure where to go from here, they did however send me A4 sheets with transactions and all of those charges!!! This looks like the real thing though, rory said he was going to do some reading up for me. Hope he doesnt forget as he seems to be pretty busy on this brilliant site.

[angry cat]

The Terms & Conditions (original issue) form part of your alleged agreement.

If the creditor has not supplied these, then they have not complied fully with your CCA '74 request. Therefore, as the creditor has not yet fully complied, your account is in 'dispute' and should not be chasing/hounding you for payment.

 

As I said previously complain to Consumer Direct, Trading Standards and the OFT.

 

Love AC

 

Love AC

[shirei12]

There are a couple of issues with it. The first is that the signature is on a different page to the prescribed terms. The second is that there is a clause that the agreement is not binding until they complete their final checks (this would seem to fall under s59(1) which would make the agreement void and is possibly also against most of the principles of contract law). I'll have to do some further reading and have a think before giving you a definitive answer.

Rory can you confirm what angrycat has told me about the terms and conditions being sent with cca. Should i now hang on for the default, and i am sure they will start phoning again now i have received the cca request, should i mention to them about t&c's. Also have you had any more thoughts on the agreement i received. Thank you so much.

[shirei12]

Bump

 

 

Rory are you out there,

I know you must be busy but your knowledge would be appreciated.Thanks shirei

[louiboy]

The CCA 1974 section 77-79 states "and of any other document referred to in it"

 

Example: Front page Consumer Credit Agreement referrs to T&C's or PPI docs/T&C's. They come under "any other document referred to in it"

 

All parts/pages are required to completely satisfy the CCA 1974 request.

[shirei12]

The CCA 1974 section 77-79 states "and of any other document referred to in it"

 

Example: Front page Consumer Credit Agreement referrs to T&C's or PPI docs/T&C's. They come under "any other document referred to in it"

 

All parts/pages are required to completely satisfy the CCA 1974 request.

Thankyou loiboy, do i assume that they have not complied fully to my cca request. No T&C's received with request. May seem a stupid question to you but what does PPI doc mean, and (front page cca) Really am a newbie at these things.Do i mention these T&C's if they contact me again which i am sure they will.

[louiboy]

I was just giving an example of other parts of the agreement that should/could be enclosed. Anything refereed to by the agreement.

 

Some credit agreements are double sided. Agreement on the front, terms and conditions on the reverse side. Front page back page.

 

PPI - Payment Protection Insurance. If refereed to on the agreement the documents should be enclosed.

 

It says on the top page you posted.

 

"Egg Card Credit Agreement Conditions a copy of which is enclosed"

 

That's another document referred to. To satisfy the CCA request the Agreement Conditions should have been sent.

 

The account remains in dispute until they comply with the request. There's no need to help them out by telling them what's required. They supposed to know.

 

As AC says. Report them for non-compliance.

[shirei12]

I was just giving an example of other parts of the agreement that should/could be enclosed. Anything refereed to by the agreement.

 

Some credit agreements are double sided. Agreement on the front, terms and conditions on the reverse side. Front page back page.

 

PPI - Payment Protection Insurance. If refereed to on the agreement the documents should be enclosed.

 

It says on the top page you posted.

 

"Egg Card Credit Agreement Conditions a copy of which is enclosed"

 

That's another document referred to. To satisfy the CCA request the Agreement Conditions should have been sent.

 

The account remains in dispute until they comply with the request. There's no need to help them out by telling them what's required. They supposed to know.

 

As AC says. Report them for non-compliance.

Cheers for the reply loiboy, This goes into default on 23rd.August. Do i wait till then to report for non compliance?

[shirei12]

bump

[shirei12]

There are a couple of issues with it. The first is that the signature is on a different page to the prescribed terms. The second is that there is a clause that the agreement is not binding until they complete their final checks (this would seem to fall under s59(1) which would make the agreement void and is possibly also against most of the principles of contract law). I'll have to do some further reading and have a think before giving you a definitive answer.

Can anyone give any advise on this pleeeeeeeeeeease.