HFC/IDEM CCA Response

[jardinipops]

Hi

 

Ive CCA'd all my creditors. I have had a response from IDEM for some sofas I had from DFS.

 

They have sent me the original credit agreement I signed in DFS on 24/11/07 with a copy of my driving liscence.

 

They have also sent me a list of all payments made, apart from they have missed off the first year of payments made through payplan.

 

So I am guessing that this debt is enforcable so where do I go from here shall I set up a repayment plan for this, do you think I could try and F&F. Should I enquire about the missing payments?

 

The last payment made to them was recently on 04/12/17 which was the last payment I have made into my payment plan.

 

Thanks in advance

[dx100uk]

can you scan up what they've send to one multipage pdf please

read UPLOAD

[jardinipops]

I hope I’ve done that right

12-02-2018, 14:23 Office Lens.pdf

[dx100uk]

bit blurred

and where the rest of it?

there should be pages of T&C's

 

dx

[jardinipops]

Hi that’s all they have sent me no other terms and conditions. The original is a bit more readable but very small writing, only other thing they have sent me is a list of the payments I have made which is missing the first year of payments.

[dx100uk]

bogroll

 

ignore them or any others that send or don't send stuff back

that is devoid of all most of the required prescribed terms and has no additional T&C's which are refered too within the body of the agreement.

 

just never ignore a pre action protocol letter of claim

or

a genuine court claimform directly sent from northants bulk court.

[jardinipops]

So u think this would be unenforceable? Does it matter it was just after April 2017?

[dx100uk]

it is

that's bogroll devoid of the required T&C's etc etc.

 

dx

[dx100uk]

oh and go reclaim the PPI!!

[jardinipops]

Ok great thanks so much I’m pretty sure I cancelled the ppi before the payments began as PayPal instructed me to.

[dx100uk]

got any statements?

[jardinipops]

I’ll have to have a root around and see if I can find any old ones. I’ll let you know

[jardinipops]

Hi been a while since I replied but I have rooted through old paperwork and can’t find anything regards to the ppi. Is it worth me sending a claim in and see what happens? My only concern is does that reset the clock on statued barred? Should I now consider this unenforceable due to the lack of t&cs?

[dx100uk]

reclaiming ppi does not reset anything

 

you need the statements to see if you have ppi ideally.

pers i'd hold for a month as the new GDRP rule come in soon

which means an sar will then be free rather than sending one now that cost £10.

[jardinipops]

Hi been a while since I replied but I have rooted through old paperwork and can’t find anything regards to the ppi. Is it worth me sending a claim in and see what happens? My only concern is does that reset the clock on statued barred? Should I now consider this unenforceable due to the lack of t&cs?

[jardinipops]

Ok I will wait until then, thanks for your help. To be honest I haven’t reclaimed ppi on anything as I am not sure I had it. Should I do the same for my other creditors?

[dx100uk]

most creditors have a PPI link on their website use that.