CCA Request

[FlamingParrot]

Re: CCA Request

here it is

Did you really apply on XMAS DAY 2001? :christmas3: And got approved a month later? :noidea:

There's quite a lot missing on that page with the terms, which seems to have been a bad cut and paste job, is that how it looks to you, i.e. with a border all around the terms? Because that would suggest they overlaid something onto something else!

The terms start at 3, where are 1 & 2? :confused2: I see reference to "Conditions 5(f) and (g)" but there is no 5 on there at all! There's mention of "Condition 7" and even "Condition 11", but nothing past number 4. If that's all they sent, I can't see it being an agreement containing all the terms by any stretch of the imagination!

[chris260483]

Re: CCA Request

and if they have not sent me one is the default on my CR even valid?

[chris260483]

Re: CCA Request

should they not have sent me my Default? im a bit confused as i though a DSAR was for everything?

[charitynjw]

Re: CCA Request

hi Guys & Girls,

I have received my DSAR today and there is something on it i find interesting regarding Defaults -

Copies of Default, Enforcement and assignment notices are not saved by customer name sw we are unable to provide copies under a Data Subject Access request.

Is this normal?

Can you smell it?

[chris260483]

Re: CCA Request

i now have a copy of the signed CCA, will post it on here for you to advise on as is different to the reconstructed one

[chris260483]

Re: CCA Request

hi Guys & Girls,

I have received my DSAR today and there is something on it i find interesting regarding Defaults -

Copies of Default, Enforcement and assignment notices are not saved by customer name sw we are unable to provide copies under a Data Subject Access request.

Is this normal?

Re: CCA Request

i know that, i was just saying in regards to my credit ref it doesnt matter if i clear the whole debt in full or come to an arrangement with them for part payment as they have already defaulted me my credit is still screwed

Indeed!

[chris260483]

Re: CCA Request

i know that, i was just saying in regards to my credit ref it doesnt matter if i clear the whole debt in full or come to an arrangement with them for part payment as they have already defaulted me my credit is still screwed

Re: CCA Request

the debt is £15500 on a credit card

TBH, a figure by itself is meaningless out of context. For someone on benefits, that is huge; for Peter Jones he'd pay it no problem. The previous posts give us some idea of the context, but we don't know your full situation, nor do we need to.

Re: CCA Request

I just want to get shot of the debt and then when it comes off my CR in 2015 i can forget it ever happened

Given what you've said here, along with what you've said about genuinely only being able to pay £2 pcm to service the debt, I can see no reason to do anything different to what you're doing. The only thing to realise is that if this is all you can afford, unless circumstances change, you won't be building a pot to be in a position to offer a higher F&F. That doesn't matter per se, as the debt will be diminishing and the longer it goes on the more likely they are to accept what you have put away.

Re: CCA Request

yes correct

Thankyou .....0's can be very confusing

[chris260483]

Re: CCA Request

yes correct

Re: CCA Request

Fifteen thousand five hundred and fifty pounds?

[chris260483]

Re: CCA Request

the debt is £15500 on a credit card

Re: CCA Request

Just so the OP knows, I run a Debt Advice Charity, so I guess inevitably I come at it from a different perspective.

I've often found that the I&E forms sent by organisations are skewed to maximise your disposable income from their point of view, and a CFS compliant one actually makes you worse off as it is far, far more detailed. Sometimes it works that way, sometimes not.

The other time going through a FREE debt organisation (NEVER pay) can be helpful is if you're having difficulty getting a creditor to accept your offer, or you simply can't handle the mail keeping on coming.

TBH you sound as though you're well under way and know where you are going. Remember you can always reduce to £1 a month if you're finding things tight.