classy -CCA - Orange thread

RAS

Join Date: Aug 2008
Post Count: 6
Thanked 3 Times in 3 Posts


Help with what to do next please
Quote:
Originally Posted by RAS
Original CCA request letter to be sent regsitered post with a £1 postal order. Print do not sign your letter.

Quote:
Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

I do not acknowledge any debt to your company.

With reference to the above, we would be grateful if you would send us a copy of this credit agreement, statement of account and notice of assignment.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully

Sorry if this is in the wrong place .I sent this letter to Advantis Credit on 29/8 who say I owe £170 on an old Orange account ,I got fed up telling them I wanted proof . They have sent a letter saying it has been passed to Crown Litigation Services( similar address!) and then today rang and said they had my letter but that I should have a copy anyway and if I didn't it was up to me to get one from Orange aswell as any copies of actual bills . They said they would put it on hold for a week so that I could ring Orange- can anyone please help with what I do next?

RAS

Classy

replying here so as not to get your queries mixed up with debtman's.

The response from ADvantis would be incorrect if this situation was covered by the CCA. However, the consumer Credit Act does not apply to telephone as a rule.

However, if this is a very old debt it is statute barred, which means that once you tell them you are not paying they have to stop chasing you and they cannnot enforce the debt in court.

Statute barred info and letter template on the National Debtline site, through the CAG forum:

http://www.nationaldebtline.co.uk/en...limitation_act

Also do a search on this forum for Orange as there are a lot of recent reports of very old Orange accounts being chased which all seemed to relate to phone that did not work and were returned to the Carphone Warehouse.

classy

Thanks for your help, it is an old debt from about 6 years ago.
I just keep telling them that I won't pay untill they can send me proof that I owe this money( I must say the last lady I spoke to was actually very nice and and could see my point ). I have sent Crown Litigation copies of everything I have sent to Advantis but have not heard from them.
Thanks again

classy

I have since spoken to a rather nasty 'lady' who said I had been sent a letter of assignment ( not that I know of!)and that was all I needed . I told her I had spoken to National debt helpline and they should have sent my CCA as its past the 12 days , that I still disputed the debt and wanted them to stop contacting me. Her parting words were - we can chase you as long as we want!!