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Help! re catalogue CCA's & statement of acounts
mary_mungo_+_midge
Posts: 75 Forumite
Hi, I don't know whether anyone has any advice for me re some catalogue debts. I have been on a self administered DMP since Feb and all major creditors agreed to my offer of reduced payments.
However I have 4 smallish catalogue debts who simply ignore all my correspondence and refuse to accept anything less than the total arrears. I then requested CCA's and statements of accounts to try and buy a bit of time, not to get out of paying but hopefully to enable me to pay what I can actually afford.
The situation is now that Littlewoods, Additions, and Kays do not have CCA's, have written and said that they are closing the accounts and not pursuing the debts but then transferred it to NDR. They have written to say that they do not hold any statements or records of default charges for more than 12 months so I can't have a list of charges etc.
Grattan have sent some sort of CCA but it doesn't look right, I certainly haven't signed it. They have sent statements back to June 06 but say they are not obligated to give me any information further back than that. My balance for Grattan is approx £300 and the charges going back to June 06 total £130 so I'm sure if I went back the whole 6 years my charges probably outweigh my balance if you know what I mean.
Anyone got any advice on my next move? Thanks
However I have 4 smallish catalogue debts who simply ignore all my correspondence and refuse to accept anything less than the total arrears. I then requested CCA's and statements of accounts to try and buy a bit of time, not to get out of paying but hopefully to enable me to pay what I can actually afford.
The situation is now that Littlewoods, Additions, and Kays do not have CCA's, have written and said that they are closing the accounts and not pursuing the debts but then transferred it to NDR. They have written to say that they do not hold any statements or records of default charges for more than 12 months so I can't have a list of charges etc.
Grattan have sent some sort of CCA but it doesn't look right, I certainly haven't signed it. They have sent statements back to June 06 but say they are not obligated to give me any information further back than that. My balance for Grattan is approx £300 and the charges going back to June 06 total £130 so I'm sure if I went back the whole 6 years my charges probably outweigh my balance if you know what I mean.
Anyone got any advice on my next move? Thanks
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Comments
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I had to CCA my catalogues (I too am on a self manged DMP) I am at the stage where they have all been "referred" back to the original creditor, one since got another DCA and I CCA them and again referred back.
I don't have any peace of mind about these catalogue debts and wish they had just accepted, one DCA and behaved now I feel every few months I am going to be back at square one again!
I don't pay them anything anymore, I think if it all happens again I will do the CCA thing and then actually report them and do what I threaten in the letter but that is a bit of a new territory for me.0 -
Bumping this back to page 1 for you, mm+m
Don't worry if your thread 'slips' off of the front page - this is a busy forum - you can always 'bump it back up'.
have a look at the following link:
http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=32_catalogue_debtsI am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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