CCA request...what EXACTLY should be received

[jon1965]

Hi
I am sure this has been asked many times before and I know I have asked it but here goes anyway

My belief is you get
A copy of your agreement (recon or not at this point doesn;t matter)
A signed statement of account (Basically a letter saying you owe x amount and signed by or on behalf of the creditor
A copy of your T&C's at inception i.e the T&C's you would have seen on the application form or would have been sent with your card...maybe both
Your T&C's at default or termination (does it matter which?) assuming there has been a change .

Now to me that is it, however a military gentleman has been telling me they also need to provide every set of varied conditions during the life of the agreement. I can think of two significant changes that have been made, the letters charge dropping to £12 and then the order in which the payments were applied to your account (i.e highest interest charges first)

Can anyone clarify for me and say how to find out when T&Cs changed if appropriate

Thanks Jon

[labman]

Re: CCA request...what EXACTLY should be received

Hi Jon,

If the Brig has taken up astronomy, feel free to say, "You're talking out of Uranus!"

The request must have the T&C's at the time of inception and the T&C's at the time of the request:


Where there has been a variation of the terms and conditions of the agreement

2.27

Where an agreement has been varied in accordance with section 82(1)of the Act, the OFT considers that, by virtue of Regulation 7 of the Copies of Documents Regulations, the duty is to provide not only a copy of the agreement as originally executed but also either


• a copy of the latest variation given in accordance with section 82(1)of the Act relating to each discrete term of the agreement which has been varied, or


• a clear statement of the terms of the agreement as varied in accordance with section 82(1) of the Act.



Although only a consultation document, it sets things out pretty clearly:

http://www.oft.gov.uk/shared_oft/con...OFT1175con.pdf

[jon1965]

Re: CCA request...what EXACTLY should be received

Very nicely put Labman
Thank you so much

I might just use that quote.
I just like to be 100% sure

[gravytrain]

Re: CCA request...what EXACTLY should be received

Yes like Labman says. Copies of Documents Regulations,1983/1557, the military gentleman seems to be dropping a few clangers just lately.

[FlamingParrot]

Re: CCA request...what EXACTLY should be received

As far as I can remember, both the military gentleman and his best site team mate have been making sure the public is well mis-informed since 2011, :blah: when they took over the debt forums OTR!
Love Labman's astronomical statement above! :clap2: :clap2: msl:msl:msl:

[jon1965]

Re: CCA request...what EXACTLY should be received

As far as I can remember, both the military gentleman and his best site team mate have been making sure the public is well mis-informed since 2011, :blah: when they took over the debt forums OTR!
Love Labman's astronomical statement above! :clap2: :clap2: msl:msl:msl:

Yes like Labman says. Copies of Documents Regulations,1983/1557, the military gentleman seems to be dropping a few clangers just lately.

And it is my mission to pull them up when they are wrong!

It's quite funny cos as soon as I started correcting them they must go running to senior site team members as they suddenly appear as viewing the thread.

[jax50]

Re: CCA request...what EXACTLY should be received

From my experience a CCA request produces any old rubbish an OC or DCA gathers out of the rubbish bin. An illegible document, a random set of T&Cs (old and current) and if you 'complain' they say they have complied with the Cancellation Notices and Copy Documents Regs 1983 sections 3(2) and 7 1 (b)..........

usually then appended with a note you get advice from the Citizens Advice and that there will be no further correspondence on this matter.

[FlamingParrot]

Re: CCA request...what EXACTLY should be received

From my experience a CCA request produces any old rubbish an OC or DCA gathers out of the rubbish bin. An illegible document, a random set of T&Cs (old and current) and if you 'complain' they say they have complied with the Cancellation Notices and Copy Documents Regs 1983 sections 3(2) and 7 1 (b)..........

usually then appended with a note you get advice from the Citizens Advice and that there will be no further correspondence on this matter.

If that's the case, you're in luck, because the account would be unenforceable. :grin: :grin: :grin:

Even better when you get a letter stating they can't find it! :clap2:

The worst situation is when they just keep fobbing you off and don't tell you they haven't got it, you don't know where you stand when they do that.

[jax50]

Re: CCA request...what EXACTLY should be received

Ah, Flowerpower, this is where you are ....

[FlamingParrot]

Re: CCA request...what EXACTLY should be received

Ah, Flowerpower, this is where you are ....

Indeed, at your service!

[jax50]

Re: CCA request...what EXACTLY should be received

good to 'see' you again...

[jon1965]

Re: CCA request...what EXACTLY should be received

Yes be afraid....be very afraid :rofl:

[jax50]

Re: CCA request...what EXACTLY should be received

Oh, I am...I really am.....especially when I called her FlowerPot one time :sorry:

[jon1965]

Re: CCA request...what EXACTLY should be received

She has nothing to do with pot.........

[FlamingParrot]

Re: CCA request...what EXACTLY should be received

Oh, I am...I really am.....especially when I called her FlowerPot one time :sorry:

Uhmmm, that rings a bell... no hard feelings though, I've been called worse! :tape2:

She has nothing to do with pot.........

Nope, that's not me, no pot in my garden, just pretty flowers!