Lola girl UE diary...newbie!

[Joanna Connolly Solicitors]

Diana Mayhew able to help?

I certainly will - once all the relevant facts have been established

Di

[Joanna Connolly Solicitors]

I have received a reply from my CCA request to Tesco... I initialled the letter and typed my full name, but they have said they won’t comply as I haven’t provided the correct signature?

You've not yet revealed the balance of this Tesco account which can make a difference as to how it's managed.

This forum's policy is to never provide a signature in case it's lifted in order to reconstitute a credit agreement.

Di

[Joanna Connolly Solicitors]

sent off 5 CCA requests on 30th July.
•Barclays (from 25.3.13) 6k- response from PRA saying info requested from OC and collections on hold.
•Tesco (24.3.07) Debenhams (15.3.07) and MBNA (9.1.14) (Moorcroft) no response as yet
•Marks & Spencer, 8k, from 25.9.06 have replied with . . . . .

Can you make a separate post for each of your five debts (on this thread) so that help and suggestions can be made in a bespoke way since no two debts are managed the same way.

Use this format for each one >

• Type of account (credit card/loan/overdraft)
• Date commenced
• Approx balance
• Date last paid (approximate date you last made a FULL payment)
• Are you on arrangement or not paying
• Status (default/in arrears/up-to-date)
• Account owner (who is writing to you, a DCA or the lender or a debt purchaser)

Then requote the post (or C & P) each time you need help with a question or get correspondence etc.

Di

[Timewilltell]

Generally if it’s deemed UE then pretty much nothing to do. The ball is in their court to comply with the CCA Act 1974, if they can’t then that’s their problem, however it won’t stop them from trying, because god loves a trier!

[The Tech Clerk]

Thanks I will do that. Any advice on what to do about my M&S response?

Diana Mayhew able to help?

[Lola girl]

Thanks I will do that. Any advice on what to do about my M&S response?

[The Tech Clerk]

provide the correct signature then

[Lola girl]

Another question- I have received a reply from my CCA request to Tesco... I initialled the letter and typed my full name, but they have said they won’t comply as I haven’t provided the correct signature?

[Lola girl]

Hi all,
So this has been checked by Niddy and come back as unenforceable. Suggested that I don’t share with M&S what is missing so what do I write back?
Do I just say the documents don’t comply fully with my request? Do I say that I deem them unenforceable. I would like to withhold my payments to them until they come up with the correct documents. Thanks!

[Joanna Connolly Solicitors]

•Barclays (from 25.3.13) 6k- response from PRA saying info requested from OC and collections on hold.
•Tesco (24.3.07) Debenhams (15.3.07) and MBNA (9.1.14) (Moorcroft) no response as yet
•Marks & Spencer, 8k, from 25.9.06 have replied with the following...
feb 19 credit card statement
generic terms and conditions
list of general interest rates
and a copy of the credit card agreement - this shows my name, address, credit card number, signature and date (25.9.06) and a signed direct debit mandate, all other information appears generic. I have sent a copy in by email for checking but cannot see where any prescribed terms personal to me are in the agreement.

Hello

Just to say there can be more legal issues for a debt to be enforceable in law than just the credit agreement.

I look forward to helping you on your debt journey.

Di

[Joanna Connolly Solicitors]

any CCA1974 you have send it not redacted in full to:- webmaster-all-about-debt@co.uk for checking if enforceable or not

The correct email address is webmaster@all-about-debt.co.uk.

Di

[The Tech Clerk]

any CCA1974 you have send it not redacted in full to:- webmaster@all-about-debt.co.uk. for checking if enforceable or not? link this thread

[Lola girl]

Edited - diaries actually start on page 2!

Hello all!
Currently on DMP with SC, all defaulted and sent off 5 CCA requests on 30th July.
•Barclays (from 25.3.13) 6k- response from PRA saying info requested from OC and collections on hold.
•Tesco (24.3.07) Debenhams (15.3.07) and MBNA (9.1.14) (Moorcroft) no response as yet
•Marks & Spencer, 8k, from 25.9.06 have replied with the following...
feb 19 credit card statement
generic terms and conditions
list of general interest rates
and a copy of the credit card agreement - this shows my name, address, credit card number, signature and date (25.9.06) and a signed direct debit mandate, all other information appears generic. I have sent a copy in by email for checking but cannot see where any prescribed terms personal to me are in the agreement.

Good to read others experiences and I’ll update as I go along. Thanks!