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konakona Vs Thames Credit LTD (HFC)


konakona
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Back ground

Another one which we're not 100% sure on the origins of:confused:

We had so much on credit that after everything went pearshaped we kind of lost track of everything. Between our really bad accounting system (system being used in the loosest terms) and the amount of letter DCAs send and the how often they sell the debts on, its hardley suprising really!

The poor book keeping problem is a lesson I have truely learnt, shame I did'nt learn it a few years ago though.

This debt has been paid regularly over the last 4 years, however it has constantly yo-yo'ed in price, but is currently at its lowest ever!

 

Whats happened so far

CCA request posted yesterday (11/12/07) by recorded delivery

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Looks like you're getting the idea on this lot.

Now if this is for a Card then the chance of a compliant CCA are small, but I have found that HFC loans ted to be CCA complaint and enforceable.

Be VERY careful whose advice you listen too

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Yes, all my HFC stuff was enforceable :mad:

The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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  • 2 weeks later...

thamescredit.jpg

 

 

 

Thanks babybear39!:D

 

Didnt even know they had got the CCA yet, the Royal Mail is still not showing it as delivered!

 

Apparently they are not under any obligation to provide the CCA, but they will do anyway becuase they are so nice!

Arent they lovely!

(and you guys have been ripping on them:p )

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Hey doesn't matter at all.

Until they can prove the debt it can increase by £400 ;)

 

Even after they do, assuming CCA is correct, they cannot increase the debt without a specific contractual clause for doing so.

Be VERY careful whose advice you listen too

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Sit back and give them the rope ;)

 

It's sweet when they pass the 12+2+30 calendar days :D

 

Work out your deadlines from the date they say in writing they recieved your letter, that's 12+2+30 calendar days (unless the last day falls on a sunday), keep that letter VERY SAFE ;). If, after the further 30 they demand payment report them ASAP

to Trading Standards, here's the link:

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

In the meantime, scan and post anything you get from them here and we'll advise accordingly.

 

Have a great Christmas and New Year :)

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