1st Credit and CCA

[catrin2468]

Re: 1st Credit and CCA

!st credit letter front and back Then T@C dated 1998 Then last 2 are T@C with no date Have CCA application form they have my details and don't know how to remove

[Amethyst]

Re: 1st Credit and CCA

So is 1st credit TC 1998.pdf supposed to be an accurate recon of personal reserve terms pdf ?

It looks more like the one ( someone elses ) http://legalbeagles.info/forums/show...l=1#post752470 ( just noting the table on the recon which doesn't appear to exist on the original copy )

Your original more like this one - http://legalbeagles.info/forums/atta...8&d=1421227973 I think the interest bit is 4/5 paras down left hand side of bottom section, don't know if you can make anything out on your copy ? ( I can't on the one you posted )

actually the undated one (1st credit T@C PR no date front.pdf ) looks more like the right one, but still the table which doesn't exist in the original ( unless you can make one out ?)

[Amethyst]

Re: 1st Credit and CCA

!st credit letter front and back Then T@C dated 1998 Then last 2 are T@C with no date Have CCA application form they have my details and don't know how to remove

sorry, meant to say email admin@legalbeagles.info

[catrin2468]

Re: 1st Credit and CCA

Hi Amethyst yes to first question it is supposed to be accurate copy of T@C The copy from SAR is ineligible and is as posted ( post #27 the personal reserve account posts are all from the SAR off M@S and the original documents Also in post #27 all charge card letters are from first credit Think I have complicated all of this sorry
will send CCA copy from 1st credit now Thank you

[Diana M]

Re: 1st Credit and CCA

Thank you for reply #10 is wrong sorry SAR shows token payments up to 2014 of £1 per month to both The only record in call log of default notice is for the Personnal reserve account on 1/4/09 there is no record of default notice for charge card

Okay, so it may not be close to SB as you first thought, but the fact that they haven't issued a DN for the chargecard could cause them problems regardless of the credit agreement.

Have you been sent an annual Notice of Sums in Arrears (s86c) since you defaulted?

Di

[catrin2468]

Re: 1st Credit and CCA

Hi thank you for replying and No I have not been sent any notice of sums in arrears off anyone These 2 accounts have done the rounds with numerous debt collectors for quite a few years and 1st credit are the only ones to take it this far (they have even offered 50% off both accounts earlier in 2017) All the letters in the SAR off M@S are in code but all the code is for the personal reserve account When 1st credit sent the CCA for the charge card they did not mention a default date just a set of T@C for 2005 Sorry for long post