Itsme VS Creation Finance

[itsmeandonlyme]

Hello dave..looks awful....

 

a bit too much to see how many agreements are not properly executed and how many liers the companies would provide to cover their mistakes....

 

i am still waiting to hear from CF in respond to the letter you and Zubo helped me to creat...i probably should post it here...but these days..i am more careful than i used to be:))))

 

I feel a bit tired...but still strong...will see what TS says...i did emailed them as well...

 

I guess it's an early night for me:))

 

 

I am watching your thread...againts the world..found it 's very intresting...as usuall:)))))....

 

 

xxx

[itsmeandonlyme]

Still no reply....will try and chase TS tomorrow...want to check by myself if Consumer direct passes the case to them.... Not sure how long it would take to get any results...i think i will return the check back again with a small note that the TS and OFT are informed of the offence committed....

[itsmeandonlyme]

Just a quick update: TS contacted me and asked to send a copy of the agreement and correspondence.

When i explained that the copy is unreadble, the officer simply said, that there is nothing she can do if she can't read the copy.....ohhhhh...it took me some time to explain her that this is what i received on CCA request...than she agreed to look into it and give tham a call.....She wasn't very promissing

 

Meanwhile i looked again in the replies from CF and noted that in 3 of them the admit that the copy is an application but in the last reply it suddenly became an agreement.....

 

 

Keep fighting:)))Thinking to send the cheque back again:)))

 

 

regards,

 

 

Maria

[davefirewalker]

you go girl........

 

i'm still watching your threads

 

best wishes

 

dave

[vicmar]

hi hope you can help, sent a CCA request 23/04/07 with no response not sure of next stage, i know that they are in default and have commited a criminal offence as it has now been 1 month since orginial request do i go to FOS with my complaint or to court? advice please

[itsmeandonlyme]

Hello Vicmar, have you sent LBA for non complaince with CCA 1974?

 

How lond did you give them in your CCA request till?

 

 

Kind regards,

 

 

Itsme

[vicmar]

i gave them 14 days but it has now been 1 month

[itsmeandonlyme]

sent enother letter with same cheque back, pointing that will not accept an offer and want PPI back as well....advised that i have informed OFT and TS....pointed that CF always called the copy supplied an application and now suddenly it became an agreement:)))

 

I draw your attention to the fact that the Right Honorable Mr Ian McCartney Minister of State at the DTI has replied, when writing about this precise issue, that it is a breach of the Act to send an application form rather than an agreement in response to a request under Section 78 of the CCA 1974. Yet this is precisely what you have done an unlawful action which you have supported.

 

Also there isn't any information about T&C:

CCA 1974, Section 78 -

78.

--(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of 15 new pence , 1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer

The application also missing the following prescribed terms specified in Sch 6 to be an agreement: rate of interest or APR.

 

 

 

 

 

etc....

 

 

they have until 10th:))) lets see

[itsmeandonlyme]

Thats it............received reply from TS and CF....telling me again to get off their case...CF even offered to refund me postage cost but not PPI...I am going to submit MCOL this weekend...fed up and tired.... i guess i had done everything i could to settle brfore the court...

 

regards,

 

 

itsme

[BigNobby]

Thank you Jackie, let me know when you receive your statements...

I am not sure whta is 3d premium means, that is on my statements..I ll wait till her reply and if needed will send CCA with £1 to get my original agreement....

 

)))

 

Did you ever get the the bottom of the 3d premium? Also did you get the orginial CCA yet?

[itsmeandonlyme]

Hello Big,

 

 

..CF sent me 4 letter confirming they do not have anything else apart from this application...they are more than happy to refund even postage fees but not 3d premium...

 

i am not stopping..i have a hearing with my other claim at the beggining of July...so concentraiting on it now...

 

this one will go next...straight to the court!!

 

 

 

Kind regards,

 

 

Itsme