catalogue charges

maypimm

i have sent cccs forms to kays with an offer of payment they say they cannot accept my offer, although they take my monthly payments i make regularly, they say they will pass my account to a debt collection agency which i dont mind as it seems that will be the only way i will not get any more charges put on the account, all the charges they are putting on are for low payments, they say. it seems they are deliberately not accepting my offer to get more out of me, at this rate i will never be able to pay it off. i have never signed a credit agreement with them. help what do i do?

Harassed_2

You can challenge the debt - stop paying anything at all. Send the company a copy of this letter by Recorded Delivery, together with a £1 postal order to cover the statutory fee.

I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Justicia

Could someone with the power please merge this thread with the one below...

http://forums.moneysavingexpert.com/showthread.html?t=125916