Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

[FlamingParrot]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

The first post in this thread is from 2007 which is quite a while ago.

Ah, yes, but if you look at the bottom of the first post, you'll see the following:

The FCA Guidance on the Consumer Credit Act copy agreements (valid from April 2014) is here.

Last edited by Amethyst; 10th February 2015 at 09:27:AM.

The CCA request letters HAVE been updated to reflect changes in legislation. :thumb:

[samuwell]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

If you enclose 1 pound as payment, how else to do it that you would not send a cheque? I mean, so that they do not see your signature...?

My Mother signed a cheque for me as I didn't have a cheque book. Same name ans initial only Mrs instead of Mr.

[charitynjw]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

Postal order

[ssnsmudge]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

They did not reply to my CCA request back in February, they just said they needed a little time to provide this. Nothing heard from them since then, about 12 weeks ago, and I think I read that they are supposed to provide ths with 12 days. No paperwork has been sent to me at all to support their claim. Have I any grounds there? Thanks.

[samuwell]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

They did not reply to my CCA request back in February, they just said they needed a little time to provide this. Nothing heard from them since then, about 12 weeks ago, and I think I read that they are supposed to provide ths with 12 days. No paperwork has been sent to me at all to support their claim. Have I any grounds there? Thanks.

Hi,
from my personal experience it would seem they may have given up but may try again with another DC later if it is not already statute barred (6 years).
If they do come back to you it would be a good idea to write a formal complaint to them, ask what they have done with your payment which was for the sole purpose of the CCA within the given time limit but which they have ignored. Anything else done without due diligence can be included in the complaint.
Fingers crossed.
All the best.
sam

[Hawkster]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

What is an anti-tamper strip and where could I get one...? Or does it just mean that I put some kind of watermark to sign on top of...? Thank you!

[charitynjw]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

What is an anti-tamper strip and where could I get one...? Or does it just mean that I put some kind of watermark to sign on top of...? Thank you!

There you go; just copy/paste to whereabouts on your letter you want to sign.

[nemesis45]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

What is an anti-tamper strip and where could I get one...? Or does it just mean that I put some kind of watermark to sign on top of...? Thank you!

There is really no problem with signature lifting it's all an urban myth.

nem

[samuwell]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

What is an anti-tamper strip and where could I get one...? Or does it just mean that I put some kind of watermark to sign on top of...? Thank you!

I see your question has been answered. Good luck.
http://legalbeagles.info/library/ant...gnature-strip/

[mtrigg]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

Hi I have received a letter from Northampton county court business,to do with Lowell/cohen cramer solicitiors.

To the defendant

You have not replied to the claim form

it is therefore ordered that you must pay the claimant £2563.57 for debt and interest to date of judgement and £207 for costs

you must pay claimant total of £2563..57

by installments of £50 per month

I cant afford this, can I still send in CCA or is it too late

[nemesis45]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

Hi I have received a letter from Northampton county court business,to do with Lowell/cohen cramer solicitiors.

To the defendant

You have not replied to the claim form

it is therefore ordered that you must pay the claimant £2563.57 for debt and interest to date of judgement and £207 for costs

you must pay claimant total of £2563..57

by installments of £50 per month

I cant afford this, can I still send in CCA or is it too late

Good morning,

Did you not acknowledge service of the claim?

No CCA request sent?

When was the judgment made?

Once a judgment is made it supersedes the original agreement and the claimant has no obligation to provide the CCA.

nem

[MIKE770]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

did you not follow due process on this one thru courts system?

[mtrigg]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

no, I suffer from mental health problems and have literally ignored everything that has come through my door for the last year and I'm now in a better place(mentally) and I m trying to sort out the mess I'm in. I don't have any knowledge about what I can do next.

[mtrigg]

Re: Consumer Credit Act 1974 Basic Request for Original Copy of Agreement

This letter was dated 14th dec 2016