Help Please - Abbey cant provide CCA copy -what next

Cyril

As the title says really , I need some advice as to what to do next, I am on DMP with CCCS and they can hold back payments for two months but what happens after. I've had loads of accounts with Abbey and they can't provide my original agreement.

stapeley

HI , please provide back ground imfo . Are they card debts loans overdrafts ?

Cyril

This is for a credit card that is now MBNA but i'm confused as all the letters are from Abbey.

RAS

MBNA are notorious for not having the legal documentation.

Is this debt already defaulted?

Cyril

Hi yes it is, it is being managed under the DMP process with the CCCS.

RAS

Well

The debt is unenforceable in court.

Now CCCS might say you have to keep paying but if you do not, then MBNA can do nothing about it.

If you reallocated that money to the other creditors, how much difference would it make?

Cyril

This is what I would like to do then, divide that money between my other creditors, should I pay a £1 per month to MBNA or nothing incase that is seen as acceptance that I have the debt.

RAS

if there is no CCA, then whether you pay them nowt, £1 or a larger sum amkes no diffeence to your liability.

HAve you done CCAs on the other accounts?

Cyril

To be honest I haven't, i'm not the sort of person who wants to run away from my responsibilities but I couldn't remember this account. I might though as it would give me more control / time buying power if the companies don't have copies. You have been a great help thankyou

RAS

Some people here use the CCa as a way of not paying if the documentation does not turn up, others as a lever to get DCAs to cooperate.

RAS

Cyril wrote: »

To be honest I haven't, i'm not the sort of person who wants to run away from my responsibilities but I couldn't remember this account.

In that case, i would definately stop paying right now. Simply tell CCCS it is not your debt.

If weller was around, i would suggest that you talk to her, but keep coming back