Hi all
Looking for advise or at least confirmation of my thoughts after reading about similar.
The debt is from a pre 2006 CC with Halifax and recently sold to cabot. CCA sent and received - along with the 'it will take 40 days' initial response followed just short of 40 days later, the requested detail which is a recon document.
Things I think are wrong.
1. My address is current, not my original
2. Address of Halifax is shown as 'the mound' yet on another CCA I see the address is actually Halifax West Yorkshire (first image in thread)
http://www.legalbeagles.info/forums/...9&d=1345813306
On the same image you can see section 3.1 refers to OTHER FINANCIAL INFORMATION - the details of which are the same as on my recon agreement - I don't understand the figures as they refer to an amount of credit and an interest charge - is this maybe just an example?
3. At two places on the agreement it refers to 4 conditions above - there are only 3
4. Section on YOUR RIGHT TO CANCEL states once I have signed the agreement I have a short time to cancel - we will send you the exact details of how and when you can do this - should this be included?
5. On the same image above - you can see there is a signature box which states consumer credit 1974, etc. On the recon I have, there is no box with those words, only a signature box with two questions about buying repayment cover and card care - is that sufficient for claiming I signed the agreement or just if I want the extra products and there should also be a agreement signature box? On the same thread as the image above there are actually two images of two CCA's - the second one shows the boxes separately as I suggest which makes me think this must be wrong
http://www.legalbeagles.info/forums/...6&d=1348944820
If the above suggests the CCA received is invalid - I would like to send a letter to that effect - not pointing out why - is there is suitable template for this please?
Best regards
Outadebt (one day)
Looking for advise or at least confirmation of my thoughts after reading about similar.
The debt is from a pre 2006 CC with Halifax and recently sold to cabot. CCA sent and received - along with the 'it will take 40 days' initial response followed just short of 40 days later, the requested detail which is a recon document.
Things I think are wrong.
1. My address is current, not my original
2. Address of Halifax is shown as 'the mound' yet on another CCA I see the address is actually Halifax West Yorkshire (first image in thread)
http://www.legalbeagles.info/forums/...9&d=1345813306
On the same image you can see section 3.1 refers to OTHER FINANCIAL INFORMATION - the details of which are the same as on my recon agreement - I don't understand the figures as they refer to an amount of credit and an interest charge - is this maybe just an example?
3. At two places on the agreement it refers to 4 conditions above - there are only 3
4. Section on YOUR RIGHT TO CANCEL states once I have signed the agreement I have a short time to cancel - we will send you the exact details of how and when you can do this - should this be included?
5. On the same image above - you can see there is a signature box which states consumer credit 1974, etc. On the recon I have, there is no box with those words, only a signature box with two questions about buying repayment cover and card care - is that sufficient for claiming I signed the agreement or just if I want the extra products and there should also be a agreement signature box? On the same thread as the image above there are actually two images of two CCA's - the second one shows the boxes separately as I suggest which makes me think this must be wrong
http://www.legalbeagles.info/forums/...6&d=1348944820
If the above suggests the CCA received is invalid - I would like to send a letter to that effect - not pointing out why - is there is suitable template for this please?
Best regards
Outadebt (one day)
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