Sent for Credit Report

[FlamingParrot]

Re: Sent for Credit Report

Hello Guys,

Here's an update - I received a letter from the dca stating that I should contact the c/card lender direct to get the t&c's that were originally requested in my cca letter dated and sent the end of July 2013.
I last communicated with them in August 2013, where they responded by saying that follow-up action would be suspended. The contents of their latest letter includes the following:

"Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with N'wide building society who has advised you to request a copy of the Terms and Conditions direct from our client's credit card services department. The contact number is [contact number given].

We can also advise your account has been placed on hold until the 15/11/13. If you require anything further in relation to the information we have provided in this letter, please do not hesitate to contact us on the above number."

They are just being silly, because you are not asking for a copy of your current T&Cs but the ORIGINAL credit agreement you allegedly signed and the terms you allegedly agreed to when you did.

I think that the dca may have cashed the £1 postal order that I had included alongside the cca letter, and applied it to the account.

Have you any statements showing this was the case?

Remind me if you will, you have been paying into this account, is that correct? :noidea: That being the case, it's not a huge deal if they have, the main concern is to avoid resetting the SB clock but if you're paying, it hasn't even started ticking yet. :clock:

I don't want to contact N'wide, certainly not by phone. What would you advise?

I wouldn't contact them at all because you don't want a copy of your current T&Cs. :nono: The DCA has not satisfied your s.78 request and are in default, it is THEIR DUTY to obtain the documents if they are chasing you. Having said that, if you are still paying as usual, it doesn't make much difference.

[Helpseeker]

Re: Sent for Credit Report

Hi there FP,

Thanks for your reply.

The last payment made was in August of this year, especially after seeing that they did not comply with my cca request for the original t&c's, as you stated. So in this case, the wait continues.

I would say that the SB clock started ticking from after that payment was made :tinysmile_grin_t:

You said "Have you any statements showing this was the case?"
I have never received any statements at all from the dca concerning this account. It has always been a letter with the full balance showing.

The reason why I can see that they cashed the po and applied it, is because from each previous payment, the last pound amount would always end with either a 3 or an 8. For example £x,xx3.76 or £x,xx8.76 . In this case the balance showed is £x,xx7.76

[FlamingParrot]

Re: Sent for Credit Report

It's all looking good!

Good to hear you've stopped the payments. :clock: :clock: :clock:

Given the timing, I wouldn't worry too much about the £1 being applied, if you sent the CCA letter I normally use, it would have a paragraph on there stating the funds are not to be used for any other purpose.

I'd just sit back and wait for their next communication.

[labman]

Re: Sent for Credit Report

I totally agree with FP here. It is their duty to comply with your CCA request, and if they need to do some running around in order to try to do so, that is for them to do. It's not for you to do their job for them them.

[Helpseeker]

Re: Sent for Credit Report

Thank you both for your replies.

FP, I was inspired when you instigated your own process, and knew that I wanted to begin my own.
As you say, I'll see what they next communicate.
Have a great day!

[Helpseeker]

Re: Sent for Credit Report

It's all looking good!

Good to hear you've stopped the payments. :clock: :clock: :clock:

Given the timing, I wouldn't worry too much about the £1 being applied, if you sent the CCA letter I normally use, it would have a paragraph on there stating the funds are not to be used for any other purpose.

I'd just sit back and wait for their next communication.

Hi FP,

I'd just like to confirm that I did use the contents of letter that you suggested here http://www.legalbeagles.info/forums/...838#post365838

[FlamingParrot]

Re: Sent for Credit Report

Hi FP,

I'd just like to confirm that I did use the contents of letter that you suggested here http://www.legalbeagles.info/forums/...838#post365838

You've stated your position, now the ball is in THEIR court.

[labman]

Re: Sent for Credit Report

You've stated your position, now the ball is in THEIR court.

5 years 11 months to go - and the clock is ticking away!