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Usual long story with cca agreements and armies of DCA's chasing one debt. Although the amount is not huge.....is still a pain in the XXXXX!
I made a request to Lowells to send me my cca request agreement and centuries later it arrived yesterday with a letter attached saying:
Dear xxxxx,
We enclose a copy of your original on-line application form with Vanquis in response to your written request to us under section 78 (1) of the CCA Act 1974. Accounts opened over the internet are subject to the CCA Act 1974 (Electronic Communication) Order 2004 which came into force on December 31 2004.
OK.........I get that.....but the agreement Vanquis have sent me is completely different to one I have. Good job I still have my copy....and the one they have sent is not the same.
I will post up for all to see and compare....and was wandering and thought that the lender had to send a copy of the original? If Vanquis had agreed years ago when I got into financial difficulties to accept lower payments then thsi debt would have finished months ago...but every offer I made was refused.....then I could not be asked.....to continue with trying with them. Now I am receiving letters from Fredrickson International......asking me to contact them as they assume I have received my CCA request from Lowell...whom I had to make the request to.....
What a waste of time all this is.....just thinking whether I should tell them their agreement is not what they originally sent me...or wait for them to issue proceedings....
I have a faulty DN and now on top I have a faulty CCA agreement.....won't look good if they do issue proceedings will it...and I maybe should just write and ask them to write the debt off.......will post up mine and their copy of my agreement later.
Vanquis claim my digital signature application was made in September 2008.....and the agreement they sent with the terms and conditions id dated March 2009.
My agreement copy with terms and conditions is dated October 2008.
I made a request to Lowells to send me my cca request agreement and centuries later it arrived yesterday with a letter attached saying:
Dear xxxxx,
We enclose a copy of your original on-line application form with Vanquis in response to your written request to us under section 78 (1) of the CCA Act 1974. Accounts opened over the internet are subject to the CCA Act 1974 (Electronic Communication) Order 2004 which came into force on December 31 2004.
OK.........I get that.....but the agreement Vanquis have sent me is completely different to one I have. Good job I still have my copy....and the one they have sent is not the same.
I will post up for all to see and compare....and was wandering and thought that the lender had to send a copy of the original? If Vanquis had agreed years ago when I got into financial difficulties to accept lower payments then thsi debt would have finished months ago...but every offer I made was refused.....then I could not be asked.....to continue with trying with them. Now I am receiving letters from Fredrickson International......asking me to contact them as they assume I have received my CCA request from Lowell...whom I had to make the request to.....
What a waste of time all this is.....just thinking whether I should tell them their agreement is not what they originally sent me...or wait for them to issue proceedings....
I have a faulty DN and now on top I have a faulty CCA agreement.....won't look good if they do issue proceedings will it...and I maybe should just write and ask them to write the debt off.......will post up mine and their copy of my agreement later.
Vanquis claim my digital signature application was made in September 2008.....and the agreement they sent with the terms and conditions id dated March 2009.
My agreement copy with terms and conditions is dated October 2008.
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