Tesco Cca Is It Valid?

[Bouncebackability260]

I have recieved a further A4 agreement/terms from tesco yesterday. I must admit I have never seen this before and has no signature on it,what do yo think?.

 

http://i987.photobucket.com/albums/ae352/26zero/27jan10009.jpg

 

http://i987.photobucket.com/albums/ae352/26zero/tescoterms27110.jpg

[PGH7447]

is the second page attached or the reverse of the Application form?

[Bouncebackability260]

is the second page attached or the reverse of the Application form?

The second page is a separate piece of paper,I cant remember if the original application form had anything on the back?.

[PGH7447]

IMHO then this is worthless

[angry cat]

I have recieved a further A4 agreement/terms from tesco yesterday. I must admit I have never seen this before and has no signature on it,what do yo think?.

 

http://i987.photobucket.com/albums/ae352/26zero/27jan10009.jpg

 

http://i987.photobucket.com/albums/ae352/26zero/tescoterms27110.jpg

 

I think it may do for compliance purposes; may do!

 

Re: the copy application form; this appears to be incomplete.

 

Surely, there were 9 items listed on these application forms?

 

There also appears to be an anomaly in the addresses:

The application form states:

issued by the RBS plc

200 Priory Crescent

Southend-on Sea

Essex

SS99 9EX. (most certainly the 1999 terms states this address and not the address below)

 

Whereas, the Terms state:

This is a Tesco Credit Card Agreement, made between us;

Tesco Personal Finance Limited

PO Box 6050

Southend-on-Sea

Essex

SS99 1WL.

 

Not convinced that these terms relate to 1997; a little later, perhaps?

 

You may wish to check with another member who has a copy of the 1997 terms.

[alfwithhair]

Why does the application form have 'FRAUD' stamped on it

[angry cat]

Why does the application form have 'FRAUD' stamped on it

 

Clearly, because it has been checked for fraud prior to granting the credit;

could have been that someone with a similar name had applied at the same time;

many reasons, including Cifas warning etc...

[Bouncebackability260]

IMHO then this is worthless

Sorry I'm quite new to all this, whats a IMHO?. It just seems that Tesco have added the second form when I complained that it was just an application form. The letter they sent back with this second form was quite blunt too saying that the account is not in dispute. I'll upload it later.

[Bouncebackability260]

I think it may do for compliance purposes; may do!

 

Re: the copy application form; this appears to be incomplete.

 

Surely, there were 9 items listed on these application forms?

 

There also appears to be an anomaly in the addresses:

The application form states:

issued by the RBS plc

200 Priory Crescent

Southend-on Sea

Essex

SS99 9EX. (most certainly the 1999 terms states this address and not the address below)

 

Whereas, the Terms state:

This is a Tesco Credit Card Agreement, made between us;

Tesco Personal Finance Limited

PO Box 6050

Southend-on-Sea

Essex

SS99 1WL.

 

Not convinced that these terms relate to 1997; a little later, perhaps?

 

You may wish to check with another member who has a copy of the 1997 terms.

Thats quite interesting, thanks for the reply.

[Huff&Puff]

Sorry I'm quite new to all this, whats a IMHO?.

 

IMHO = "in my humble opinion"

[angry cat]

Sorry I'm quite new to all this, whats a IMHO?. It just seems that Tesco have added the second form when I complained that it was just an application form. The letter they sent back with this second form was quite blunt too saying that the account is not in dispute. I'll upload it later.

 

In Tesco's view, the account is not in dispute; they would say that, wouldn't they!

 

However, it clearly is "In Dispute" as you have stated such.

 

Tesco, mind games...

[angry cat]

Did you take out PPI on the Tesco Card?

[Bouncebackability260]

Did you take out PPI on the Tesco Card?

I'm not sure if I did or not, how do I find out?

[angry cat]

I'm not sure if I did or not, how do I find out?

 

PPI, should be mentioned on the application form but as I stated prior, the copy that you have scanned is incomplete?

 

Maybe, you only scanned part; there should be 9 points, however, some are missing: 4 & 9.

 

Check your copy!

[Bouncebackability260]

Yes, Number 4 'Your home and outgoings' and '9 Direct debit'. I had to photograph it with a camera because what they sent me was rather small. The original account was with Wescot, do you think they will send it back to them?.

[Bouncebackability260]

Wescot now sending me letters about this account yet it was in dispute with Outstanding services since them failing to respond to CCA request in September 09. They are even saying their client is Nat West when it is in fact RBS?. Any ideas?.

[Huff&Puff]

Report them to Trading Standards and the OFT, they should not be chasing a debt that is in dispute, and that is sometimes all that's needed to make them go away.