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Re: £1 cca taken from debt!
I'd go back with something like this mate...
* remember to edit the dates in the first paragraph/towards the bottom (highlighted in red like this: xx) and attach a copy of both previous letters sent, that we refer to
Good Luck!
Originally posted by jet set willy
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Evening folks,
Dont know what to do with this, my better half requested cca from Apex/barclayscard begining of april, got no reply, sent reminder begin of may and still nowt.
Come today, another demand for cash but the debt has gone down by a pound! Coincidence? I dont think so the lousy barstewards!!
Is their a particular line of letter i should send for this or do i just unleash my vitriol at will?
Never had this before so am unsure. Thanks for help, my minor anger is now subsiding.. and breathe lol
Dont know what to do with this, my better half requested cca from Apex/barclayscard begining of april, got no reply, sent reminder begin of may and still nowt.
Come today, another demand for cash but the debt has gone down by a pound! Coincidence? I dont think so the lousy barstewards!!
Is their a particular line of letter i should send for this or do i just unleash my vitriol at will?
Never had this before so am unsure. Thanks for help, my minor anger is now subsiding.. and breathe lol
* remember to edit the dates in the first paragraph/towards the bottom (highlighted in red like this: xx) and attach a copy of both previous letters sent, that we refer to
Good Luck!
Dear Sirs,
Ref: xxxxxxxx
I write with reference to previous correspondence and in particular my previous letters from xx April 2013 & xx May 2013, a copy of both these letters are attached for your perusal.
It is noted that you have ignored my request to date and even more alarming is the fact you have used the £1 Statutory Fee for my lawful s.78 request and applied it to the alleged balance.
This is strictly forbidden within the confines of the Consumer Credit Act. The fee is set at £1 by the Consumer Credit (Further Increase of Monetary Amounts) Order 1998 [SI 1998/997]. Even though this fee may be inadequate to cover the administrative costs of responding, the creditor or owner is not entitled to ask for more than the fee in order to comply with the information request and similarly, they are not permitted to use the £1 fee for any other reason than for the purpose intended.
I did make it crystal clear in my original request of xx April 2013 that you were not to use this fee for anything else, as quoted;
I look forward to receiving confirmation of the above with the relevant documents as requested.
Yours faithfully,
Sign Digitally
Ref: xxxxxxxx
I write with reference to previous correspondence and in particular my previous letters from xx April 2013 & xx May 2013, a copy of both these letters are attached for your perusal.
It is noted that you have ignored my request to date and even more alarming is the fact you have used the £1 Statutory Fee for my lawful s.78 request and applied it to the alleged balance.
This is strictly forbidden within the confines of the Consumer Credit Act. The fee is set at £1 by the Consumer Credit (Further Increase of Monetary Amounts) Order 1998 [SI 1998/997]. Even though this fee may be inadequate to cover the administrative costs of responding, the creditor or owner is not entitled to ask for more than the fee in order to comply with the information request and similarly, they are not permitted to use the £1 fee for any other reason than for the purpose intended.
I did make it crystal clear in my original request of xx April 2013 that you were not to use this fee for anything else, as quoted;
...in line with the OFT Guidance, and the Consumer Credit Act, please find attached my £1 payment, which is the statutory fee - note that these funds are not to be used for any other purpose.
Therefore please deal with my s.78 request as a matter of urgency and remove the £1 you unlawfully added towards the alleged debt immediately.I look forward to receiving confirmation of the above with the relevant documents as requested.
Yours faithfully,
Sign Digitally
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