SA Gold's Diary

[Never-In-Doubt]

Re: Missy's Diary

This you can ignore for now - just keep us updated (obviously cease any and all payments)...

This is the clincher, from their own letter!

[ATTACH]5843[/ATTACH]

As things stand they are correct, this is

p.s. wasn't it actually repealed on the 26th May...?

See:--> Consumer Credit Act 1974

S. 78(6)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 20, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))

[Never-In-Doubt]

Re: Missy's Diary

Personal Loan Sainsburys Bank
Type of account: Personal Loan
Date commenced: June 2008

September 2012 - CCA reply received and sent to Niddy.

Notice the date highlighted above, as the start date - as such, this is

You can blag it by sending back the missing PT's template but bear in mind it is enforceable.

[Never-In-Doubt]

Re: Missy's Diary

Egg Money Card
Type of account: Egg Money Card
Date commenced: November 2007
Approx balance: £2000
Date last paid: June 2011
Are you on arrangement or not paying: Payment by arrangement.
Status: Default
Account owner: Barclaycard Centre

Notes: Egg Card taken out although Barclaycard acquired Egg whilst I was in the DMP. I spoke with Egg about the cash flow problem before entering DMP.

July 2012 - Wrote requesting balance on account.
August 2012 - Reply with full balance and methods to pay.
August 2012 - Settlement offer 50% rejected. (Pre discovering this forum)
August 2012 - CCR request sent.
August 2012 - No proof of receipt.
September 2012 - Reply to CCA received. Sent to Niddy

This you can ignore for now - just keep us updated (obviously cease any and all payments)...

This is the clincher, from their own letter!



As things stand they are correct, this is

[SA Gold]

Re: Missy's Diary

dont worry about not having proof they signed for the letter, they bulk sign for letters and you might not get a signature, but the receipt to prove it was sent is enough to cover your own back.

Ah that makes sense mate. I guess they receive far too much mail to sign for one by one lol.
Good news is since then, i have been replied to (see above).

Cheers.

[SXGuy]

Re: Missy's Diary

dont worry about not having proof they signed for the letter, they bulk sign for letters and you might not get a signature, but the receipt to prove it was sent is enough to cover your own back.

[SA Gold]

Re: Missy's Diary

Update.

Sainsbury's CCA received and sent to Niddy for review.

Egg Money - Long winded letter (not sure if it constitutes a CCA) received and sent to Niddy for review.

Egg Visa - Letter received advising their receipt of request and that they will be in touch.

[SA Gold]

Re: Missy's Diary

Update.

Barclays Overdraft - Letter saying they will contact me no later than 18th September.

Both Barclaycards - no receipt of delivery. Is this likely to be because they have so much mail they sign for it by the sack load?

Sainsbury's (sent to BOS) - Receipt of delivery. Calendar reminder set for 14 days after arrival.

[SA Gold]

Re: Missy's Diary

2 separate letters £1 in each...........

Thanks, will do.

[Deepie]

Re: Missy's Diary

OK i know this is a dumb question, but if in doubt - ask i guess!

With regards to writing to Barclaycard for copies of CCA's for both cards; should i send one letter with a £2 postal order referring to both accounts, or two separate letters?
Not sure how these things are processed (or ignored!) so not sure which one for the best.

Thanks!

2 separate letters £1 in each...........

[SA Gold]

Re: Missy's Diary

OK i know this is a dumb question, but if in doubt - ask i guess!

With regards to writing to Barclaycard for copies of CCA's for both cards; should i send one letter with a £2 postal order referring to both accounts, or two separate letters?
Not sure how these things are processed (or ignored!) so not sure which one for the best.

Thanks!

[SA Gold]

Re: Missy's Diary

Lol

It kind of isn't. But I'm a clever arse and we test the water based on that link above.

Read the thread first. It's a pain in the ass as I think we confuse the creditors with the legal and statute jargon within the response (read thread and you'll understand)

Brilliant! This forum is just getting better and better.

[Never-In-Doubt]

Re: Missy's Diary

Lol

It kind of isn't. But I'm a clever arse and we test the water based on that link above.

Read the thread first. It's a pain in the ass as I think we confuse the creditors with the legal and statute jargon within the response (read thread and you'll understand)

[SA Gold]

Re: Missy's Diary

Sure you can request CCA for an OD - see this

---> Overdrafts - CCA Information - allaboutFORUMS

Request CCA from whoever last wrote to you, was this sainsburys or BOS (blair oliver)?

Links regards HBOS in what way? Don't worry about them, you'll be fine

That's good news! I'm sure i read a post saying its not applicable, but i must have misread.

Blair Oliver Scott wrote to me recently so they can have have it!

Thanks again.

Postal orders tomorrow!

[Never-In-Doubt]

Re: Missy's Diary

Hi,
Is there any links/information i should be aware of for HBOS - from your post i guess there is something i haven't come across that i should have!

Also,
After reading a post from another member, i now know that I cannot request a CCA for my overdraft account because it's not applicable.
With regards to the Sainsburys loan - should i request the CCA from them, or Blair, Oliver and Scott?

Thanks!

Sure you can request CCA for an OD - see this

---> Overdrafts - CCA Information - allaboutFORUMS

Request CCA from whoever last wrote to you, was this sainsburys or BOS (blair oliver)?

Links regards HBOS in what way? Don't worry about them, you'll be fine

[SA Gold]

Re: Missy's Diary

Sainsbury finance is provided by HBOS remember.

Blair Oliver Scott (see initials) are HBOS in house DCA

Hi,
Is there any links/information i should be aware of for HBOS - from your post i guess there is something i haven't come across that i should have!

Also,
After reading a post from another member, i now know that I cannot request a CCA for my overdraft account because it's not applicable.
With regards to the Sainsburys loan - should i request the CCA from them, or Blair, Oliver and Scott?

Thanks!