Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

is this for the account that has the CCJ? if so then they dont need the agreement as they have a judgment which means they can enforce

Paul, no...is current a/c (overdraft)...thanks

[Paul.]

Re: Lovemoney UE Diary

ok in that case, they dont need a regulated agreement, they dont need to produce a signed agreement

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

ok in that case, they dont need a regulated agreement, they dont need to produce a signed agreement

They currently seem to think they do.

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

ok in that case, they dont need a regulated agreement, they dont need to produce a signed agreement

Doesn't section 61B (3) of the Consumer Credit Act 1974 (as amended, tinkered with and largely made into a veritable pig's breakfast) - link - apply to authorised non-business overdrafts?

[Paul.]

Re: Lovemoney UE Diary

Doesn't section 61B (3) of the Consumer Credit Act 1974 (as amended, tinkered with and largely made into a veritable pig's breakfast) - link - apply to authorised non-business overdrafts?

im not entirely sure that is retrospective is it?

And even if it is, the overdraft agreement is not a hard thing for the bank to produce, if they pass it to the correct department

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

im not entirely sure that is retrospective is it?

No, but it would apply if the agreement had been renewed after February 2010.

And even if it is, the overdraft agreement is not a hard thing for the bank to produce, if they pass it to the correct department

Yes, of course, in much the same way that they can always be relied upon to provide a twue reconstituted copy of any regulated credit agreement.

[Never-In-Doubt]

Re: Lovemoney UE Diary

As per email, as you're paying £1 nominal payments into the OD just carry on with it, you don't want to be a test case on bank account supplying documents - well, not in my opinion anyway

[Lovemoney]

Re: Lovemoney UE Diary

As per email, as you're paying £1 nominal payments into the OD just carry on with it, you don't want to be a test case on back account supplying documents - well, not in my opinion anyway

Sure.........thanks

[Lovemoney]

Re: Lovemoney UE Diary

Just a quick update....

27/3/12
Send off all unenforceable accounts with Missing PT most are not yet response except 1.

Some accounts still have not responded to my CCA request either, I suppose no news is good news (I hope) and except this one received today 27/4/12 but the cover of the letter dated 6/4/12

CAPITAL ONE (CREDIT CARD)

18/1/2008
reduced payment arrangement of £1 ended request income & expenditure and some proof document.

21/11/2008
received notice of sums in arrears. missed £1 payment =£8767.60 became due:17/10/08, £9069.44 became due:16/11/08 (between 1 month sums gone up £300 different??? must added unfair charges).

26/3/2012
cca request sent.

27/4/2012
received Credit Agreement (cover letter dated 6/4/2012) Emailed Niddy

any advise what should I do next please

[Never-In-Doubt]

Re: Lovemoney UE Diary

Just a quick update.... Capital One

any advise what should I do next please

Its

The PT's are not the originals to that actual signed agreement so for now you should send this: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Lovemoney]

Re: Lovemoney UE Diary

Its

The PT's are not the originals to that actual signed agreement so for now you should send this: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

:niddyThanks for helping... another good news

As I mentioned above still haven't hear anything from the since I send off CCA request and MPTs, please can you advise what is my next step.

[Never-In-Doubt]

Re: Lovemoney UE Diary

As I mentioned above still haven't hear anything from the since I send off CCA request and MPTs, please can you advise what is my next step.

nothing!

If you sent MPT's then await a response.

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED

HISTORY

14/1/2008 BALANCE £3439.73
received letter saying failed to comply with agreement, unless make regular repaments no alternative hands of external dcas without prior warning.


28/2/2012
received monthly statement balance £3384.73.


26/3/2012
CCA request sent.

2/5/2012
received response obliged to provide you with a 'true' copy of the CCA & most recent available statement to the a/c with amounts and due dates of future payments that still require to be made. In terms of CCA copy doc regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreeement was made and plus a copy of the current terms of the card agreement. Records show that there is still an outstanding balance on the a/c is currently being managed by Financial Hardships Team, therefore contact them directly to obtain details of the required repayments to settle the a/c. I can confirm that yr a/c has not been sold. Emailed Niddy.

a quick update, CCA received today...further advice needed please.

[Deepie]

Re: Lovemoney UE Diary

a quick update, CCA received today...further advice needed please.

You've e-mailed Niddy your CCA ....lets see what he says

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)

STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)

26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.


4/5/2012
CCA received emailed to Niddy. Niddy says THANKS will be sending MPT letter.

TESCO (CREDIT CARD)
DEFAULTED

HISTORY

14/1/2008 BALANCE £3439.73
received letter saying failed to comply with agreement, unless make regular repaments no alternative hands of external dcas without prior warning.

2/5/2012
received response obliged to provide you with a 'true' copy of the CCA & most recent available statement to the a/c with amounts and due dates of future payments that still require to be made. In terms of CCA copy doc regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreeement was made and plus a copy of the current terms of the card agreement. Records show that there is still an outstanding balance on the a/c is currently being managed by Financial Hardships Team, therefore contact them directly to obtain details of the required repayments to settle the a/c. I can confirm that yr a/c has not been sold. Emailed Niddy.

4/5/2012
Niddy says THANKS will be sending MPT letter.

CAPITAL ONE (CREDIT CARD)

18/5/2010 Balance:£10079.71
confirm offer been accepted and offer 71.00% settlement amount to pay £7156.59 pay by 2/2/10.

26/3/2012
cca request sent.

27/4/2012
received Credit Agreement (cover letter dated 6/4/2012) Emailed Niddy

30/4/2012
Niddy confirmed

Niddy Confirmed all ( Thanks for swift reply )