can any one help please

tracyjh71

Hi can any one help me please i have sent a cca letter to debt managers ltd they sent me a letter back saying
we have requested a copy of your signed agreement and will revert to you once this is to hand.
i recived this on oct 4th

today (6th oct) i got a letter from littlewoods saying
unfortunately we are unable to locate a copy of an executed agreement but for your information we enclose a copy of the current agreement which applied to this type of account. this version includes all contractual variations which have taken place.
according to our records the account was opened on 20/09/2004. you agreed to make payments every 28 days.

please can any one tell me where i go from hear im pretty clueless now any help would be greatly appreciated
thanks
tracy

sunshine38_2

Hi there

I'm sorry I cant help very much with your actual question so I just wanted to *bump* this back up the board as it seems to be slipping further down.

There is a thread on here that deals with lots in relation to CCA requests and "what to do next" but at the moment I cant seem to find it, sorry!

If I manage to find it I will come back and post in on here for you to have a look through.

Best of luck

Sx

tracyjh71

thanks for your reply sunshine
Tracy

dancingfairy

don't have a lot of experience but I don't think that reply counts or would stand up in court. I think it is just rubbish to try and put you off and make you pay up as they don't have a leg to stand on. Stay positive and I am sure one of the experts will be along shortly to advise.

tracyjh71

i was thinking that dancingfairy thanks for your reply
T

GeorgeUK

tracyjh71 wrote: »

Hi can any one help me please i have sent a cca letter to debt managers ltd they sent me a letter back saying
we have requested a copy of your signed agreement and will revert to you once this is to hand.
i recived this on oct 4th

They have 12+2 working days to provide you with a copy or the debt is unenforcable

today (6th oct) i got a letter from littlewoods saying
unfortunately we are unable to locate a copy of an executed agreement

yes... which still means the debt is unenforcable

but for your information we enclose a copy of the current agreement which applied to this type of account. this version includes all contractual variations which have taken place.

How nice, very pretty. That has nothing to do with you providing an enforced copy of the CCA.

according to our records the account was opened on 20/09/2004.

Great - so the changes for agreement made from April 2007 don't apply. Good to know

you agreed to make payments every 28 days.

Which in no way alters the fact that you haven't provided a copy of the CCA with all the prescribed terms. Meaning that the debt is unenforcable and no further payment need be made after the 12+2 working days have passed.

please can any one tell me where i go from hear im pretty clueless now any help would be greatly appreciated
thanks
tracy

Right, you applied for the CCA - did you send the £1 payment with the request? (Was the letter sent by recorded delivery?)

After 12+2 days, you need no longer make payments as the debt is currently unenforcable. You can send Debt Managers Ltd the 12+2 day letter.
http://forums.moneysavingexpert.com/showthread.html?p=11660785#post11660785

tracyjh71

Hi georgeuk
thanks for your reply
yes i sent the £1 payment with the request and also sent it recorded delivery on the 23/09/2008 i keep checking the post office to see when it was singed for but keep getting told The system is currently unable to confirm the status of your item.so on wednesday i will send the 12+2 letter to debt managers ltd by recorded mail
thanks
T