Sent for Credit Report

[Sapphire]

Re: Sent for Credit Report

No I haven't Sapphy - I'm not that daft. They were saved purely to get them onto the site and then deleted. Remember my computer is DPA compliant so has exceeding tight password protected security vaults in which anything like this is placed immediately anyway. As soon as they were sorted, which took a couple of hours at least, the details were deleted.

Is this a problem? I'd already seen the OP's personal details from the two initial attempts to download them anyway. I pm'd her with a small part of what I'd seen to confirm it was them - it was.

No problem, I'm just making sure that we are all aware of others security and I never said that you're daft.

[charitynjw]

Re: Sent for Credit Report

No problem, I'm just making sure that we are all aware of others security and I never said that you're daft.

:tape2:

[labman]

Re: Sent for Credit Report

No problem, I'm just making sure that we are all aware of others security and I never said that you're daft.

No, it's wise to check. The 'daft' reference is a turn of phrase here, it wasn't an accusation - local phrases and sayings getting interpreted as they appear elsewhere; apologies for that.

The whole reason for me removing the posts to start with was for the OP's security - I'd certainly never do anything to jeopardise that. :beagle:

As you for you Charity ........... you wait! lol

[Helpseeker]

Re: Sent for Credit Report

Hello Guys,

After sending my letter to MC by rec'd/del on Sat 17th Aug, I received a response today.
I note that in this response dated 20th August 2013 and the last one dated 3rd August 2013, they have not given a balance.

The contents of their response state the following:

Further to your recent contact pertaining to the enforceability of your credit agreement.

We write to confirm that we have received your letter and noted the comments therein. For the avoidance of doubt we feel that the reasons you feel this balance is 'unenforceable' are completely unfounded. Your letter mentions that you are 'disputing the existence' of an original agreement. As our clients have already provided you with a copy of your signed agreement, which clearly shows your name, address, contact details and signature. We would ask for clarification as to why you feel this is not an original agreement?

We note that you claim to have not received a full statement or a copy of the terms and conditions of your account. Your request has been forwarded to our clients who will action this request at their earliest convenience and the documents will be sent to you.

Our clients have also provided you with a copy of the contract you sent to them on the 14/08/00 in which you requested to amend the password on your account. This again, is a document signed by yourself, which our client feels, confirms that you are/were aware of the account and makes your claim this account is not enforceable as completely unfounded.

For your convenience, I have enclosed a copy of the documents sent to yourself, highlighting your signature on both documents. We look forward to hearing from you within the next 14 days with your proposals for discharging this liability.

Yours sincerely

Accounts Department


As attachments, they enclosed a copy of the application form highlighting the signature, and the fax form highlighting the signature.

What are my next steps?

Thanks in advance.
Helpseeker.

[FlamingParrot]

Re: Sent for Credit Report

They are totally missing the point, but that's not uncommon. They may well have sent you a form with your details and your signature but it was just the one page with no terms attached to it, such as the ones you allegedly would have agreed to at the time of inception. There may not have been any terms on the form when you signed it, after all it's just that, an application form. Some forms also double up as agreements but there's a requirement for all the prescribed terms to be on there, I can see none. :nono:

A request to change the password hardly constitutes agreement to any terms, are they really that daft or just playing silly billies? The letter I posted does not say anything about you denying you had this account, it merely says it's unenforceable due to lack of any terms supplied with the form. As long as no terms from INCEPTION are supplied, it will be unenforceable. :thumb: This could be rectified by sending such terms, however, you have to wonder, if they do have them, why didn't they send them in the first place? :noidea:

They say they are requesting more documents from the client. I would be inclined to wait for their next letter after they supply the alleged terms.

I got the exact same thing from RBS in 2010, they later sent a few sets of random T&Cs but none from inception, they sent varied terms from 2008, etc. but my card was from 99! :grin: I haven't paid a penny since Jan 2010 and haven't heard a peep since Jan 2012!

[Helpseeker]

Re: Sent for Credit Report

Hi FP,

In their response, it seems strange that they have included this:
"We would ask for clarification as to why you feel this is not an original agreement?"

They must already know, and I'm sure I have answered this question in my previous letter anyway.

And you're right, if they had the information already, they would have sent it to cement their standing.

That's great to know that you chose that route . This may be the path that I'll be taking too.

I'm just wondering how to respond and/or to wait and see if their client supplies them with more info.

Regards.

[labman]

Re: Sent for Credit Report

Wait to see what further information they send. :beagle:

[Helpseeker]

Re: Sent for Credit Report

I will, thank you very much :hug:

[Helpseeker]

Re: Sent for Credit Report

Hello there,

Today I received another letter dated 21/08/13 from the dca. It basically says:

Further to your recent correspondence, we write to advise we will be communicating with our client in respect of your raised query.
During these communications follow-up action will be suspended on your account and we will endeavour to provide you with an appropriate response to your query as soon as possible.


No attachments or other information was enclosed....interesting! :eyebrows:

Regards,
HS.

[labman]

Re: Sent for Credit Report

....... and quite normal. Just confirms you're right to wait to hear from them really. :beagle:

[Helpseeker]

Re: Sent for Credit Report

Yes, thanks Labman.

I normally make a payment at the end of the month.
I'll see if they send anything before then.

Regards.

[FlamingParrot]

Re: Sent for Credit Report

Hi FP,

In their response, it seems strange that they have included this:
"We would ask for clarification as to why you feel this is not an original agreement?"

They must already know, and I'm sure I have answered this question in my previous letter anyway.

And you're right, if they had the information already, they would have sent it to cement their standing.

That's great to know that you chose that route . This may be the path that I'll be taking too.

I'm just wondering how to respond and/or to wait and see if their client supplies them with more info.

Regards.

I think their new response quoted below answers your question above. You've already told them what was wrong with what they sent, they are now confirming they'll go back to their client to obtain documents :ranger: and, more importantly, they are suspending any action on your account! :thumb:

Hello there,

Today I received another letter dated 21/08/13 from the dca. It basically says:

Further to your recent correspondence, we write to advise we will be communicating with our client in respect of your raised query.
During these communications follow-up action will be suspended on your account and we will endeavour to provide you with an appropriate response to your query as soon as possible.

No attachments or other information was enclosed....interesting! :eyebrows:

Regards,
HS.

[Helpseeker]

Re: Sent for Credit Report

Thanks FP,

Regarding the suspension, I wonder how long that will last?

[FlamingParrot]

Re: Sent for Credit Report

Thanks FP,

Regarding the suspension, I wonder how long that will last?

You never know, if they can't obtain the documents they may well just return the account to the OC. :caked: In my case, the "suspension" has been in place 18 months! :bounce: :bounce: :bounce:

[Helpseeker]

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."


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.

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


Regards,
HS.