Have these templates actually worked for anyone???

[Heidi5969]

Have recieved a 'reconstituted copy of credit agreement' ( a photocopy of a blank Barclaycard Conditions haha)

Am I right in thinking I should point this out and remind them of default and then give 12+2 before dispute!

Hope that makes sense

[Heidi5969]

Hi

Thanks again
I checked terms and conditions on the 'reconstituted blank agreement' and although not really clear I wonder if this legalises set off.
"We may tranfer to any other person any or all of our rights and duties under this agreement at anytime (including, without limitation our duty to lend to you). We may do this without telling you. Your rights under this agreement and your legal rights ( including those under the Consumer Credit Act 1974) will not be affected."

However
If they don't have a the required signed copy then can they really enforce this? Surely it is in contradiction once the account is indispute?

What do you think? Is it worth ago?
I have a complaint in process and I assume they will come back quoting this.

[Babaguy]

Peterd91 wrote:

Who did you originally send the letter off to? I live in New Zealand and want to do a similar thing to a Australian owned bank (ASB). Some web sites suggest sending it off the CEO. Could you please advise who the letters should be sent to?

Sorry to have been so silent Peterd91 - My affairs have been more or less in order thanks to this forum, so I haven't been on to post or seek answers for some time now.

I believe the first letter I sent - enclosing a £1 postal order and requesting a TRUE COPY of the ORIGINAL CREDIT AGREEMENT was sent "To Whom It May Concern" at the Debt Collection Agency - that is, the alleged debt had already been passed to the DCA -

After that I wrote *PRIVATELY* to the Chief Operating Officer (as I recall) of the DCA, citing all the statute Consumer Credit Act and Data Protection Act legislation, and simultaneously serving NOTICE privately on the C.O.O. offering CONDITIONAL ACCECPTANCE of their offer to accept that I owed them £xxxx.00... I gave him/her 12 working days and then served NOTICE of NON-RESPONSE and RENEWED OPPORTUNITY TO CURE/CONDITIONAL ACCEPTANCE...

You can see how these private Notices were worded above, okay?

I have no idea how these things work down in New Zealand or Australia, but I imagine there are probably roughly similar statutes to the British Consumer Credit Act and Data Protection Act, and the rest is simply PRIVATE Offer & Acceptance Contract Law....

Best of Luck !

- babaguy