Blair Oliver & Scott CCA Agreement or Not!!!

[morgan054]

Hi, were to start,hmmm. I have recovered my bank charges from Halifax and in the process have started on my C/C, whilst I must say that it was in default, due to lack of money at the time, then it passed to Blair Oliver & Scott.

 

I have Cca’d Bos on the 20th December by recorded delivery and received a copy of supposed agreement inside the calender month deadline, enclosed was a slip which states, handwritten, “copy of application as requested” so on further examination of said “application” I notice that it appears to be just that, an application, no terms and conditions , no credit limit or APR, just “Credit Card Application” on the top but also under that Credit Agreement Regulated By The Consumer Credit Act 1974.

 

Is this a copy of a properly executed agreement or not???????? If not what course of action if any should I take.

 

I have read many of the threads and subscribed to quite a few too and read so much my head hurts( especially tbern123 enthralling saga) but need to be clear in my mind that it is NOT an agreement .

 

Thanks in advance for any info on this

[pmhcfc]

Hi, were to start,hmmm. I have recovered my bank charges from Halifax and in the process have started on my C/C, whilst I must say that it was in default, due to lack of money at the time, then it passed to Blair Oliver & Scott.

 

I have Cca’d Bos on the 20th December by recorded delivery and received a copy of supposed agreement inside the calender month deadline, enclosed was a slip which states, handwritten, “copy of application as requested” so on further examination of said “application” I notice that it appears to be just that, an application, no terms and conditions , no credit limit or APR, just “Credit Card Application” on the top but also under that Credit Agreement Regulated By The Consumer Credit Act 1974.

 

Is this a copy of a properly executed agreement or not???????? If not what course of action if any should I take.

 

I have read many of the threads and subscribed to quite a few too and read so much my head hurts( especially tbern123 enthralling saga) but need to be clear in my mind that it is NOT an agreement .

 

Thanks in advance for any info on this

 

From the numerous threads I've read on here, that IS NOT a true copy of the agreement. Quite a few others have had the same...You might want to get someone who knows more than me to clarify that, but me thinks the clock is ticking...Dont throw that document (that they've sent you) away, to be used as evidence if need be...

[morgan054]

Thankyou pmhcfc. I've scanned the copy sent to me, hope this comes out, obvious details have been blanked, nothing on reverse or other papers just this single one. and reading through recent posts on http://www.consumeractiongroup.co.uk/forum/general-debt/36665-cabot-again-urgent-help.html still makes me think it is only the application, but, when you get that niggling doubt at the back of your mind its enough to drive you nuts

 

[Mike220359]

Not an agreemnet doesn't have all the prescribed terms, interest rates and credit limit etc

 

Mike

[morgan054]

Well still nothing from messers B O & S not even a demanding phone call, but just got thid from moorcroft

 

 

Now against the usual advise I have seen on cag regarding phone calls to DCA's I rang them.

 

I offered the fact that this is in dispute and BO&S had clearly not complied with a CCA request and had they bought this alledged debt to which the very nice lady replied "no we have been instructed to collect" After mentioning the CCA request she asked me "is that what you want because I will make a note on the screen and we will get it" so I told her yes and a request will be sent by myself, recorded, first thing tommorrow, then she stated " We WILL get the CCA agreement, no problem we always get them":rolleyes: So duly sent yesterday. so wait and see time.

 

What I would like to know is: How many DCA's can this be passed around to ( and the £1 each time) or am I approaching this the wrong way????

 

If the first one cant produce then the second one probably wont but where does it stop!!!