Hello Sara, I recently filed a complaint with Tesco regarding a credit card that I withdrew in 2014. I believe the card should never have been given to me (only two months earlier, a very large loan was taken out from Tesco, including another £9k card that I took out 3 months earlier). Tesco said they didn`t think they could investigate my complaint because the card was taken down more than six years ago. It`s true? Is it worth trying again with them or going to the ombudsman? Thanks to those who currently have a consumer credit licence will be affected by the reforms introduced by the 2006 CSF. In addition, all creditors, credit information services and debt managers, including those that only impose credit agreements, require a licence. However, you may not obtain or enforce a court order against you or otherwise enforce the agreement. This means that they must not order the bailiffs, nor file a complaint against your property or obtain against you a seizure of an order of income. You can threaten, but do nothing to enforce the payment. For one reason or another, many of these challenges – a hundred – took place in Manchester, and they were all heard together by a test. In this recent Carey vs.
HSBC Bank case, the court was asked to decide whether a borrower was requesting a copy of the original credit agreement as justified and the lender could not provide it; What will happen to the loan. Wouldn`t it be enforceable? Will there be another way to satisfy this requirement and, if not, would there be an “unfair relationship” that could render the loan agreement unenforceable? If a collection company says you owe money, but you don`t acknowledge the debt, you should send them a Prove It letter! in which you say you are paying the debt. Here, the CCA is only part of the picture. You can get a copy of the CCA in response – if the name and address of the agreement belong to you and you lived in that property at that time, that`s good proof. 7. The new Unfairness test will apply retroactively and will apply to all new credit agreements immediately after implementation and to existing credit agreements from a given date (probably 8 April 2008). 2. The powers given to the courts as a result of the new “unfair relationship” test mean that a lender`s risk does not stop if the agreement does, and as soon as a borrower asserts that there is an unfair relationship, the burden of proof lies with the lender to prove that the relationship was not “unfair”. How can you determine if it`s okay? Section of the article below. If you think they sent you your request and not a copy of the CCA agreement, reply… . .