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Moon phases


Received agreement from DCA

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Received agreement from DCA

Post by Ukmets on Sat May 19, 2018 10:36 am

Hi
A dca has sent me statements and what they say is the agreement for a credit card. The cover letter says my account is on hold for 14 days to allow me to consider and send proposals for settlement. That they are anxious to avoid further debt recovery action.
What they included is a summary sheet from the application. Then a list of terms at the top says Credit Agreement Regulated by the Consumer Credit Act 1974. Then in a box This is a copy of your agreement for you to keep. It includes a notice about your cancellation rights which you should read.
The first section names the parties involved. It also includes a second set of terms with Bank of Scotland instead of Halifax and my name at a later address one I know I never signed anything at. These pages look like printouts.

The last page I will include a picture of that is the only one with a signature that they say is mine and is date 2005.

I'm not sure that this is sufficient information for them to provide.
They sent it after letter 1.

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Re: Received agreement from DCA

Post by daveiron on Sat May 19, 2018 11:32 am

I assume that is what you have received, e.g. all the terms etc are not on that page .
What I am getting at is that words & figures are missing from around the edges of the page ,therefor as its pre 2006 it must contain ALL of the t&c's ,this does not & should therefor be unenforceable .You can be sure that is all they have.

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Re: Received agreement from DCA

Post by Ukmets on Sat May 19, 2018 11:35 am

What do you mean missing around the edges? I shall post a picture of what the included terms and conditions were sent as.


Last edited by Ukmets on Sat May 19, 2018 11:41 am; edited 1 time in total

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Re: Received agreement from DCA

Post by Ukmets on Sat May 19, 2018 11:39 am



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Re: Received agreement from DCA

Post by daveiron on Sat May 19, 2018 3:05 pm

What I mean is ,on the first copy you posted the wording runs off the page on both sides .Does the copy they sent do this ,because most of these copies are usually defective in one way or another.

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Re: Received agreement from DCA

Post by Ukmets on Sat May 19, 2018 3:30 pm

The copy I posted is what I received from them

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Re: Received agreement from DCA

Post by Ukmets on Mon May 21, 2018 11:44 pm

Should I send the next letter pointing out they didn't send me everything I asked for

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Re: Received agreement from DCA

Post by daveiron on Tue May 22, 2018 8:25 am

Yes ,what they sent you is not a true copy , there are words & parts of words missing from it.
You can be pretty sure thats all they have. It seems that most pre 2006 copies are defective ,whether its like yours ,
missing words or blurred .When copies were made of the originals ,they appear to have been very sloppy.
They cannot improve these as they no longer have the originals.

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Re: Received agreement from DCA

Post by Ukmets on Tue May 22, 2018 8:54 am

Also I should point out that this went to court with Restons and they discontinued. What should my reply be? Letter 2 and add a part about it being disputed and court action failed already?

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Re: Received agreement from DCA

Post by daveiron on Tue May 22, 2018 9:06 am

Yes send letter 2, you can add if you wish that the copy they sent you is defective / incomplete.

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Re: Received agreement from DCA

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