Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • joeyf76
    • By joeyf76 7th Jun 17, 6:07 PM
    • 10Posts
    • 0Thanks
    joeyf76
    Any CCA Success Stories?
    • #1
    • 7th Jun 17, 6:07 PM
    Any CCA Success Stories? 7th Jun 17 at 6:07 PM
    I've just spent hours looking through various threads on CCAs but I haven't found any who have posted they had debt written off or F&F settled as the result of a CCA request.

    I was about to send CCA requests to all of my creditors (all pre-2007) but have now got the willies after reading some get heavy with threats of court and cancelling payment plans.

    Would love to hear some success stories...
Page 1
    • sourcrates
    • By sourcrates 7th Jun 17, 8:09 PM
    • 11,193 Posts
    • 10,853 Thanks
    sourcrates
    • #2
    • 7th Jun 17, 8:09 PM
    • #2
    • 7th Jun 17, 8:09 PM
    Thousands of people have has success. Don't listen to rumers that are not true.

    You are entitled to ask for a copy of your credit agreement at any time, as long as a balance is still due.

    Making such a request has no bearing on how a creditor treats you, they are obliged to treat you fairly at all times, I don't know where you have got this information from ?

    Personally I have had numerous accounts deemed unenforceable in the past because a valid credit agreement could not be provided, as have many others.
    Last edited by sourcrates; 07-06-2017 at 10:22 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • luvsmoothies
    • By luvsmoothies 8th Jun 17, 11:26 AM
    • 486 Posts
    • 320 Thanks
    luvsmoothies
    • #3
    • 8th Jun 17, 11:26 AM
    • #3
    • 8th Jun 17, 11:26 AM
    I had success with a catalogue company some years ago. They couldn't find my CCA but gave me a copy of what an agreement would look like ! They failed to comply so debt was unenforceable.
    • joeyf76
    • By joeyf76 11th Jun 17, 8:43 PM
    • 10 Posts
    • 0 Thanks
    joeyf76
    • #4
    • 11th Jun 17, 8:43 PM
    • #4
    • 11th Jun 17, 8:43 PM
    Thousands of people have has success. Don't listen to rumers that are not true.

    You are entitled to ask for a copy of your credit agreement at any time, as long as a balance is still due.

    Making such a request has no bearing on how a creditor treats you, they are obliged to treat you fairly at all times, I don't know where you have got this information from ?

    Personally I have had numerous accounts deemed unenforceable in the past because a valid credit agreement could not be provided, as have many others.
    Originally posted by sourcrates
    May I ask what the outcome was on the debts deemed unenforceable?
    • sourcrates
    • By sourcrates 11th Jun 17, 9:33 PM
    • 11,193 Posts
    • 10,853 Thanks
    sourcrates
    • #5
    • 11th Jun 17, 9:33 PM
    • #5
    • 11th Jun 17, 9:33 PM
    May I ask what the outcome was on the debts deemed unenforceable?
    Originally posted by joeyf76
    Nothing at all, the collection agency stopped chasing them, never heard from anyone again about them.

    They are now statute barred.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • poppasmurf_bewdley
    • By poppasmurf_bewdley 12th Jun 17, 7:05 PM
    • 4,955 Posts
    • 5,105 Thanks
    poppasmurf_bewdley
    • #6
    • 12th Jun 17, 7:05 PM
    • #6
    • 12th Jun 17, 7:05 PM
    I helped a friend of mine with a debt of £3800 owing to NatWest since 1993. He had been paying £10 a month off the debt since 2000 and knew nothing about CCA's until I showed him this forum.

    Within three months the debt had been written off. And he still has the letter to prove it should the matter ever raise it's ugly head again.
    There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O.S. Nock
    • Julie67
    • By Julie67 12th Jun 17, 9:08 PM
    • 2,328 Posts
    • 21,216 Thanks
    Julie67
    • #7
    • 12th Jun 17, 9:08 PM
    • #7
    • 12th Jun 17, 9:08 PM
    I requested my CCA's on 12th May. We have 6 creditors. So far 2 have written to say they cannot provide these and the debt is unenforceable. Still waiting on the other 4.
    Started Self Managed DMP 10th May 2017.
    Working hard to get rid of our debt.
    • Balmain
    • By Balmain 12th Jun 17, 10:13 PM
    • 4 Posts
    • 1 Thanks
    Balmain
    • #8
    • 12th Jun 17, 10:13 PM
    • #8
    • 12th Jun 17, 10:13 PM
    I have been reading through all the other threads on this subject and have followed the advice on CCA's.
    I started a DMP in 2011 and all my defaults are about to drop of my credit file. I have written to all the debt collection companies and asked for them to send me a copy of my CCA.
    So far I have received the following replies:-

    Cabot (MBNA cc £3k) :- They have asked for more time to find the CCA and have said they will write to me in 40 days. They are already over the 12 working days.
    Cabot (MBNA cc £10,700) :- As Above
    Moorcroft (RBS loan £12k) :- They are trying to get my CCA from RBS and have said they are not trying to enforce the debt but just get me to make affordable payments. They have asked me to call them. They are over the 12 days.
    Debt Managers Ltd. (Next £485) :- They are waiting on Next getting back to them. They are over the 12 days.
    Idem services (HSBC cc £470) :- Have admitted they don't have a CCA.

    My question is, what is my next step if they have no CCA? Do I make a full and final settlement offer or just not pay?
    Sorry if this has been asked before.
    Thanks
    • sourcrates
    • By sourcrates 12th Jun 17, 10:41 PM
    • 11,193 Posts
    • 10,853 Thanks
    sourcrates
    • #9
    • 12th Jun 17, 10:41 PM
    • #9
    • 12th Jun 17, 10:41 PM
    I have been reading through all the other threads on this subject and have followed the advice on CCA's.
    I started a DMP in 2011 and all my defaults are about to drop of my credit file. I have written to all the debt collection companies and asked for them to send me a copy of my CCA.
    So far I have received the following replies:-

    Cabot (MBNA cc £3k) :- They have asked for more time to find the CCA and have said they will write to me in 40 days. They are already over the 12 working days.
    Cabot (MBNA cc £10,700) :- As Above
    Moorcroft (RBS loan £12k) :- They are trying to get my CCA from RBS and have said they are not trying to enforce the debt but just get me to make affordable payments. They have asked me to call them. They are over the 12 days.
    Debt Managers Ltd. (Next £485) :- They are waiting on Next getting back to them. They are over the 12 days.
    Idem services (HSBC cc £470) :- Have admitted they don't have a CCA.

    My question is, what is my next step if they have no CCA? Do I make a full and final settlement offer or just not pay?
    Sorry if this has been asked before.
    Thanks
    Originally posted by Balmain
    Age old question, it's entirely up to you what you do.

    No agreement equals no debt, it cannot be enforced through the courts, make slender offer, or walk away.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • poppasmurf_bewdley
    • By poppasmurf_bewdley 12th Jun 17, 10:42 PM
    • 4,955 Posts
    • 5,105 Thanks
    poppasmurf_bewdley
    If they can't comply with the CCA request, then the agreement is null and void, and they can't enforce the case in court.

    You can pay up if you want to - but you could also burn the money in a fireplace.
    There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O.S. Nock
    • Balmain
    • By Balmain 12th Jun 17, 11:07 PM
    • 4 Posts
    • 1 Thanks
    Balmain
    Thanks for the quick replies.
    Should I write to them and tell them they will receive no more money from me or just cut communications?
    • poppasmurf_bewdley
    • By poppasmurf_bewdley 12th Jun 17, 11:22 PM
    • 4,955 Posts
    • 5,105 Thanks
    poppasmurf_bewdley
    Thanks for the quick replies.
    Should I write to them and tell them they will receive no more money from me or just cut communications?
    Originally posted by Balmain
    Write to them, telling them that until they can produce the CCA you will be making no more payments. They will, in all probability, write back informing you that the money is still owed (which technically it is) and you should continue to make payment. You can then safely ignore them until they produce the CCA. In all probability you will either never hear from the again or they will write and tell you that the debt has been written off, which is what happened to my friend I mentioned earlier.

    Good luck.
    There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O.S. Nock
    • Balmain
    • By Balmain 13th Jun 17, 10:54 AM
    • 4 Posts
    • 1 Thanks
    Balmain
    My reply from idem includes the paragraph,

    "The balance of the account is still outstanding and we will continue to pursue this debt which will include registering any arrears and defaults with the credit reference agencies. We can confirm the balance of your account of £413 remains due payable and we will continue to contact you to discuss repayment proposals."

    I just want to double check, since I defaulted in 2011 and the this is about to drop of my credit file, there is no way they can add anything which will adversely affect my credit file now?
    Also, is there a sample letter that I can copy to send to them saying I will be making no further payments and please make all future communications in writing.
    Apologies as I know these questions have been asked a million times already but I want to make sure I'm doing this properly.
    Thanks in advance.
    • sourcrates
    • By sourcrates 13th Jun 17, 12:20 PM
    • 11,193 Posts
    • 10,853 Thanks
    sourcrates
    Once the default has gone, it's gone.

    You only need send a short letter, something along these lines :


    Dear creditor,

    As you have failed to comply with my sec 77/79 request for information this account is now unenforceable in court, and I shall not be making any further payments to it.

    Yours sincerely
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,634Posts Today

9,638Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin