CCA's, PRA and general advice

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  • rizla_king
    rizla_king Posts: 2,895 Forumite
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    TheDebtinator wrote: »
    BTW, in these cases, do I now contact the new creditors? Will they have been passed all of my previous correspondence?

    to whoever if demanding money from you

    when where these taken out?
    Still rolling rolling rolling...... :) <
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  • sourcrates
    sourcrates Posts: 28,887 Ambassador
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    TheDebtinator wrote: »
    If they still cannot find my original cca's, what position does that put me in?

    No agreement may mean they can't obtain a judgement against you in court, if that were the case, you could either choose not to pay, or offer to settle for much less than would normally be possible.

    Depends on age of accounts and various other factors as well.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • TheDebtinator
    TheDebtinator Posts: 237 Forumite
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    Accounts are old. They defaulted back in 2010.
  • TheDebtinator
    TheDebtinator Posts: 237 Forumite
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    Update:

    I've heard back about one of the debts. The replied to me on the 2nd of July saying that they would obtain the cca. I haven't heard anything since.

    Oddly, the two debts are with the same dca and while they have cashed both cheques, they haven't written to me about the other debt.
  • TheDebtinator
    TheDebtinator Posts: 237 Forumite
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    Update:

    Still no CCA's have been sent to me. How long should I leave this before low balling them? I want to start rebuilding my ability to get credit for when I want to buy a house.

    Thank you.
  • sourcrates
    sourcrates Posts: 28,887 Ambassador
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    Just wait a little longer, it can take 4-6 weeks for a response sometimes.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • TheDebtinator
    TheDebtinator Posts: 237 Forumite
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    I've been waiting all told for 13 months when I made my first request for them. This was my second request.
  • sourcrates
    sourcrates Posts: 28,887 Ambassador
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    edited 6 August 2015 at 1:01PM
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    TheDebtinator wrote: »
    I've been waiting all told for 13 months when I made my first request for them. This was my second request.

    Yes I realise that, but don't rush in just yet, if they can't produce the paperwork, then you may not have to pay it, you go and settle for x amount, then a week later you get a letter saying they can't enforce your account, you would kick yourself !!!!!

    They sometimes employ delaying tactics to provoke responses such as this, don't be fooled by it !!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • TheDebtinator
    TheDebtinator Posts: 237 Forumite
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    Thank you.

    I'll wait until the end of this month. If I receive neither the CCA's or a letter saying that they cannot enforce my account, what would you believe my next step should be?

    Thanks.
  • sourcrates
    sourcrates Posts: 28,887 Ambassador
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    TheDebtinator wrote: »
    Thank you.

    I'll wait until the end of this month. If I receive neither the CCA's or a letter saying that they cannot enforce my account, what would you believe my next step should be?

    Thanks.

    They have said they are going to get it, so wait and see what they send you, then formulate your plan .
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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