sebaab's diary

[Never-In-Doubt]

Re: sebaab's diary

You see all that before you enter password. That's the contract mate. As such it's regulated. As it's regulated the CCA applies.

[Never-In-Doubt]

Re: sebaab's diary

[Never-In-Doubt]

Re: sebaab's diary

No there's a link with an agreement / rates / charges etc mate. I'll get a screenprint now.

[The Tech Clerk]

Re: sebaab's diary

yes that lloyds one in fact a box appeared at the bottom with my usual data (password) , then I received info to read once they agreed and ticked it,.. times change


the long time old account was HSBC (Midland), Nationwide I did not bother applying for an overdraft facility , then changed lloyds.

[Never-In-Doubt]

Re: sebaab's diary

mine was a letter of facility obviously time has changed method

Unless it was like in the 80's then you'll be fine. It's still a form of credit - whether they issued correct paperwork or not is a totally separate issue. What matters is did they issue what they should have issued and were you fully aware of cost implications / interest / repayments / default sums etc - which all count as well.

so here we go I have just got myself an overdraft with my new Bank = see what your up date means all done easy no questions but what about earlier overdrafts people with the old account had - before CCA1974 on them? did they get asked to sign CCA1974 I know I did not on an old account! better CCA1974 all round safeguards both sides!

So are you talking lloyds? If not, who was the bank? Lloyds for instance, on page 2 (outgoings / income) - just above the "enter your password to proceed" button has a few links - the contract. It refers to the CCA throughout. You are meant to open & read it then tick the box -> then enter password -> then apply.

In the old days (ie 10+ years ago) it was similar - not the tick in the box as much but if you applied in branch you'd still sign an agreement. Whether the bank staff made you read it was a totally different point - it was still under the CCA as a regulated product.

As your recent overdraft is post 04/2007 and utilises tick-in-the-box signature, you'll find this is 100% enforceable no matter.

[Never-In-Doubt]

Re: sebaab's diary

Hi Pixie, my line of thinking is to let sleeping dogs lie for the time being. They are not giving me any pressure at the mo. Unless you guys suggest otherwise of course

The debt:

Debt 3
Type: Bank Overdraft (Natwest)
Start Date: 1991 (opened account)
Balance: 2.7k
Last full Payment (interest payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: default
Account Owner: Wescot Credit Services
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
24 Dec from Wescot "contact us directly to discuss your situation"

So since you ceased payments in 09/2016 they've not hassled you? Fine - leave it for now & see what happens. No rush to awake the sleeping bear as you rightly suggest

[sebaab]

Re: sebaab's diary

I'm wondering why. The cca request route worked for me.

Hi Pixie, my line of thinking is to let sleeping dogs lie for the time being. They are not giving me any pressure at the mo. Unless you guys suggest otherwise of course

The debt:

Debt 3
Type: Bank Overdraft (Natwest)
Start Date: 1991 (opened account)
Balance: 2.7k
Last full Payment (interest payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: default
Account Owner: Wescot Credit Services
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
24 Dec from Wescot "contact us directly to discuss your situation"

[Pixie]

Re: sebaab's diary

Decided to hang fire with this one for the time being. See what happens first

I'm wondering why. The cca request route worked for me.

[sebaab]

Re: sebaab's diary

I'll be sending a CCA request for this one on Monday. It's for a Natwest overdraft.

Decided to hang fire with this one for the time being. See what happens first

[The Tech Clerk]

Re: sebaab's diary

so here we go I have just got myself an overdraft with my new Bank = see what your up date means all done easy no questions but what about earlier overdrafts people with the old account had - before CCA1974 on them? did they get asked to sign CCA1974 I know I did not on an old account! better CCA1974 all round safeguards both sides!

[The Tech Clerk]

Re: sebaab's diary

mine was a letter of facility obviously time has changed method

[Never-In-Doubt]

Re: sebaab's diary

we will see what transpires - interesting?

Why are you acting like this is new? We've argued SUCCESSFULLY for over 5 years that overdrafts are regulated (s74) and thus have a totally separate process. You know this - am confused why you've commented like this, any reason?

I suggest you read this which will explain it to you -> http://forums.all-about-debt.co.uk/s...CA-Information

[Never-In-Doubt]

Re: sebaab's diary

overdrafts do not have a CCA1974??? but letters of facility?

There is a separate process.

Explained here -> http://forums.all-about-debt.co.uk/s...CA-Information

[sebaab]

Re: sebaab's diary

overdrafts do not have a CCA1974??? but letters of facility?

In fact that's what I meant LOL. Thanks

- - - Updated - - -

But do the OCs and DCAs know that?

The OD CCA request does work. My OD is now SB going off the OD review date. I sent the CCA request in June 2011 and even got £50 compensation

Brilliant!

[JLC]

Re: sebaab's diary

DCA's must get confused. Apparently I have two HSBC debts!