vicmar v creation finance

[vicmar]

just got all my statements under sar for an old account, can't remember asking for PPI just added up the ammount £50++ how is the best way to reclaim advice please

Vicmar

[vicmar]

bump

 

can any one advise the best way forward am i best just writing and asking if so is there a template?? or do i ask for my CCA if so again is there a template??

 

many thanks

[itsmeandonlyme]

Hello Vicmar,

 

you can look at my thread :Itsme VS Creation Finance ...i do have some PPI as well... I would advise you to send CCA and SAR requests...as i believe the agreement between CF and customers ware made only with application form which is againts CCA 1974, where the agreement has to be properly executed....

Is your account still open? is it a store card?Have you got a copy of the agreement?

 

 

Kind regards,

 

 

Maria

[vicmar]

thanks Maria, no the account is closed it was a Pilot store card, i have my statements via a SAR if i am asking for CCA is there a template ? how may days are they allowed etc thanks i will be looking at yoour thread for further advice

Vicmar

[itsmeandonlyme]

Here you are, Vicmar:))))))

 

 

Dear Ms Mucklow,

 

With reference to the above credit account, would you please send me a true copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a true copy of a properly executed agreement on request and this should be supplied within 12 working days. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. As per Ms Cross’s letter dated 3/04/2007 “ we have provided to you a copy of your application form”, she confirmed that the form I have signed in store was only and application form that can’t be also an agreement between myself and Creation Finance.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation . If the request is not satisfied after a further calendar month, your company commits an offence. I require you to send the copy of the true agreement till 00/00/2007.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

I look forward to hearing from you.

 

Yours faithfully,

 

 

 

 

I had sent this one:))))

[vicmar]

thanks, i have had a good look today in my records etc but could not find it , so i will adapt your letter and post it this week

thanks again vicmar

[vicmar]

well sent CCA request 23/04/07 but i have not heard a thing, not sure where to go next any help would be grateful