CCA request advice please
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cybertortoise
Posts: 269 Forumite
Hi all,
I have several debts with credit reference agencies that I am making token payments to every month. I would like to send out CCA requests for these. Can I do this if I am making payments?
Should I stop making payments while I wait for the responses or continue paying my £1 per month?
Also what type of debts does a CCA apply to? I have a couple of old credit cards, defaulted mobile phones and catalogues.
There are a couple of bank accounts which are overdrawn due to charges being applied to charges after failed direct debits or standing orders. Am I right in thinking that a CCA wouldn't apply to these?
Many thanks for any advice you can offer.
I have several debts with credit reference agencies that I am making token payments to every month. I would like to send out CCA requests for these. Can I do this if I am making payments?
Should I stop making payments while I wait for the responses or continue paying my £1 per month?
Also what type of debts does a CCA apply to? I have a couple of old credit cards, defaulted mobile phones and catalogues.
There are a couple of bank accounts which are overdrawn due to charges being applied to charges after failed direct debits or standing orders. Am I right in thinking that a CCA wouldn't apply to these?
Many thanks for any advice you can offer.
Restarted my journey toward financial stability on 1st September 2021 - I will succeed!
Total debt - £39888.13 @ 31.08.21
Current debt - £21270.51 @ 29.12.2023
Paid to date: £18617.62
DFD: Aiming for end of 2028
Total debt - £39888.13 @ 31.08.21
Current debt - £21270.51 @ 29.12.2023
Paid to date: £18617.62
DFD: Aiming for end of 2028
0
Comments
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Hi,
You can send CCA. Requests whenever you like, but they would only apply to loans, credit cards, catalogue accounts, not bank accounts or mobile phone contracts.
I would keep paying your £1 a month, until you hear back from the creditor.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-letter0 -
Thanks sourcrates. Helpful as always!Restarted my journey toward financial stability on 1st September 2021 - I will succeed!
Total debt - £39888.13 @ 31.08.21
Current debt - £21270.51 @ 29.12.2023
Paid to date: £18617.62
DFD: Aiming for end of 20280
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