Janbo's UE Diary

[MrsD]

Re: Janbo's UE Diary

yes I would send that janbo, we've queried mr Dopey's citi card and they've sent half a rainforrest ot T&Cs but nothing that could be called a properly executed agreement, muppetry!!!

[helmsman]

Re: Janbo's UE Diary

hi all,
I think we have just received the other half of the rainforest from citi 100 pages of statements t/cs but nothing to show a CCA or signature on anything so I will respond with above as well.
thanks
Helmsman

[Never-In-Doubt]

Re: Janbo's diary.

Received response 15/3/2011 from Opus.

Covering letter reads. Further to your request for a copy of your credit card agreement xxxxxxxxxxxx, we enclose a true copy of your agreement with CCAM.

The true copy includes:
1. A copy of the original T/C of your agreement, including the original interest rates, applicable at the time of your application.
The copy agreement does not include the signature box, signature or date of signature as in accordance with Regulation 3(2) (b) (ii) of Consumer Credit ( Cancellation Notices and Copies of Documents) Regulations 1983; we are not required to provide them.

At the end of the letter they say " We have satisfied our obligation under section 78 of CCA. We will not be entering into any further correspondence with you regarding the requirements relating to the provision of a copy agreement"

What they have actually sent is an 11 page computer recon of the original Citifinancial agreement, and a 5 page recon of an agreement with Opus ( Which I have never seen or signed ).
Oh and a complete response to someone elses CCA request

I think I should send a Terms and Conditions sent/ missing prescribed terms template, disputing existence of original agreements ?

I would send this back: ---> CCA Query - Missing Prescribed Terms See what they come back with, however without any agreement then they are likely to lose if they attempt anything formal

[Never-In-Doubt]

Re: Janbo's UE Diary

hi all,
I think we have just received the other half of the rainforest from citi 100 pages of statements t/cs but nothing to show a CCA or signature on anything so I will respond with above as well.
thanks
Helmsman

Respond with this: ---> CCA Query - Missing Prescribed Terms