Sent for Credit Report

[Helpseeker]

Hello,

Can you help?

After sending off for a report with a credit reference agency, I noticed just one entry.
I have old c/cards (not in use) where the a/cs are in the hands of debt collection agencies (dca's).
I make payments to each one on a monthly basis.

From seeing this entry, I sent this particular dca a CCA request incl £1 postal order and received back information that I don't think fully complies with the T & C's of a credit agreement form.

My initial reason for sending off for my credit report was along the lines of unenforceable or enforcebale condition(s) of the c/card a/c.
After receiving the info. from the dca (last week), I was wondering what my next steps are?

Also, did the dca even received my information 'legally'?

I'd really appreciate your responses with this query.


Kind regards,
Helpseeker.

[labman]

Re: Sent for Credit Report

Is it possible for you to post a copy of the agreement and T&C's up for us to look at with ALL personal details removed? We'll be better placed to comment then. :beagle:

[Helpseeker]

Re: Sent for Credit Report

Is it possible for you to post a copy of the agreement and T&C's up for us to look at with ALL personal details removed? We'll be better placed to comment then. :beagle:

Hi Labman,

Yes, I will just find the file and upload it in my next posting.

[Helpseeker]

Re: Sent for Credit Report

Here is the information they sent to me. I had huge problems uploading a redacted copy so hope you can make sense of the two attachments, one a Letter from Moorcroft, and the other a copy of my application which had to be done as three separate screenprints in Word so it could be read. Hope you can see it OK!

I welcome your response/guidance.
Thanks in advance.

Regards,
Helpseeker.

[FlamingParrot]

Re: Sent for Credit Report

Have you received a notice of assignment letter to the new owner? :beagle:

[Helpseeker]

Re: Sent for Credit Report

I have been looking through my papers and so far, I have not seen a Notice of Assignment letter.
I only have a Default Notice from Nwide.

The easiest thing to do is probably just to cover the bits of personal info with bits of paper and then take a picture of the whole thing. hoto: That way the details won't be there in the first place, rather than being hidden behind a white square.

Your credit report has nothing to do with the enforceability (or otherwise) of the account. :nono:

Accounts can be sold or assigned regardless of whether they are unenforceable or even statute barred, there's nothing illegal about that in itself. If the account has been sold, you should have received a notice of assignment to the new owner.

[labman]

Re: Sent for Credit Report

Massive problems here getting the attachments uploaded. No ordinary method worked, so we've had to be creative.

Housekeeper - once someone confirms they can see them properly, I'll delete all your details from my computer. :beagle:

[Helpseeker]

Re: Sent for Credit Report

Sorry to hear that.
Okay, thanks very much for your efforts and for the heads-up, Labman

Massive problems here getting the attachments uploaded. No ordinary method worked, so we've had to be creative.

Housekeeper - once someone confirms they can see them properly, I'll delete all your details from my computer. :beagle:

[Helpseeker]

Re: Sent for Credit Report

Good Morning,

Can anyone update me on the status/standing of this app. form?
I am unsure as to whether they fully complied with my cca request.

In their response letter, they have given a deadline of 17 Aug,
so I think I should respond soon.

Also, with this particular Nwide a/c, I looked through the statements
but I couldn't see any PPI. However there are late charges and interest.

Regards.

[PlanB]

Re: Sent for Credit Report

Massive problems here getting the attachments uploaded. No ordinary method worked, so we've had to be creative.

Housekeeper - once someone confirms they can see them properly, I'll delete all your details from my computer.

I didn't know you employed a "Housekeeper" Labman :grin:

[FlamingParrot]

Re: Sent for Credit Report

Can anyone update me on the status/standing of this app. form?
I am unsure as to whether they fully complied with my cca request.

In their response letter, they have given a deadline of 17 Aug,
so I think I should respond soon.

I'll have to look at the whole thread as well as the documents, I'll be back when I've taken a proper look. :thumb:

Try not stress about it, just because they ask you to reply by a certain date, it doesn't mean you have to comply. :nono:

[FlamingParrot]

Re: Sent for Credit Report

Here is the information they sent to me. I had huge problems uploading a redacted copy so hope you can make sense of the two attachments, one a Letter from Moorcroft, and the other a copy of my application which had to be done as three separate screenprints in Word so it could be read. Hope you can see it OK!

Was that all you got in response to your CCA request? :noidea:

That's just an application form, :ohwell: none of the prescribed terms that make up a properly executed credit agreement are present on there. :nono: I got a very similar response to my CCA request from RBS in 2010, and it was deemed 100% unenforceable on two separate forums, :grin: :grin: and it's coming up to two years since I last heard anything about this account. :bounce:

If that's everything you received, I'd say much the same applies, i.e. it would be unenforceable due to lack of any terms from inception. :thumb: Did they send you separate T&Cs by any chance? Anything about the PPI? :confused2:

[Helpseeker]

Re: Sent for Credit Report

Yes, I'm beginning to see that now.

They write with such authority.
Unless you are in-the-know, then it's very easy to start jumping through their hoops.

[Helpseeker]

Re: Sent for Credit Report

Apart from another photocopy attachment which is a fax from me to to Nwide, informing them to change the c/card password, then Yes. That is all that I received. The letter that accompanied the dca's response said that they have complied with my original request.

Was that all you got in response to your CCA request? :noidea:

That's just an application form, :ohwell: none of the prescribed terms that make up a properly executed credit agreement are present on there. :nono: I got a very similar response to my CCA request from RBS in 2010, and it was deemed 100% unenforceable on two separate forums, :grin: :grin: and it's coming up to two years since I last heard anything about this account. :bounce:

If that's everything you received, I'd say much the same applies, i.e. it would be unenforceable due to lack of any terms from inception. :thumb: Did they send you separate T&Cs by any chance? Anything about the PPI? :confused2:

[Helpseeker]

Re: Sent for Credit Report

I have not received a seperate T & C and there is absolutely nothing from them about PPI.
After looking through my statements, I can't see where any was added as part of my repayments.