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I've had a response to my Halifax CCA request eventually.
In the letter they state "they will not engage in any further correspondence regarding the CCA request". They also state that they will hand this account over to a collections agency (they've already done that - apparently sold it) if I do not keep up with repayments? WHAT REPAYMENTS.
Anyway, the cca reponse was a computer (word doc type) of a credit card agreement which they stated was a recon of the original agreement. No dates and wrong address - when I applied for the card I lived at a different address. I don't know if that is relevant?
Also the agreement goes on to say about online banking. When I took out this card, online banking did not exist! On the alleged agreement it also says Lloyds Bank - they were completely separate businesses back then. So, the agreement is not a copy or true reconstruction of the original.
They only sent me the current T&C's as they stated that "they do not have to supply the original T&C's at inception anymore"?
I haven't checked yet but I'm assuming that the charges and interest will not be the ones from the original agreement.
Nothing is signed or dated ( I know for a CCA request a signature is not needed) but I have no idea what date this agreement came from other than the points I have made above.
I want to make an official complaint to them regarding there apparent failure. Has anyone got any suggestions?
Thanks in advance
Sidley
In the letter they state "they will not engage in any further correspondence regarding the CCA request". They also state that they will hand this account over to a collections agency (they've already done that - apparently sold it) if I do not keep up with repayments? WHAT REPAYMENTS.
Anyway, the cca reponse was a computer (word doc type) of a credit card agreement which they stated was a recon of the original agreement. No dates and wrong address - when I applied for the card I lived at a different address. I don't know if that is relevant?
Also the agreement goes on to say about online banking. When I took out this card, online banking did not exist! On the alleged agreement it also says Lloyds Bank - they were completely separate businesses back then. So, the agreement is not a copy or true reconstruction of the original.
They only sent me the current T&C's as they stated that "they do not have to supply the original T&C's at inception anymore"?
I haven't checked yet but I'm assuming that the charges and interest will not be the ones from the original agreement.
Nothing is signed or dated ( I know for a CCA request a signature is not needed) but I have no idea what date this agreement came from other than the points I have made above.
I want to make an official complaint to them regarding there apparent failure. Has anyone got any suggestions?
Thanks in advance
Sidley
