CCA Letter advice please

Lj2008

Hello,
This is my first post on here but i found a cca sample letter on here which i sent to Kays catalogue.
Well today i have recieved a letter back from them which says

'We refer to a recent request for a copy of your agreement.
Unfortunatley 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 al contractual variations which have taken place.
According to our records, the account was opened on 21/05/2002. You agreed to make payments every 28 days.
The outstanding balance is currently £127.33'

So firstly i have just been sent a copy of a agreement which is not signed by me it is just blank so where do i stand with this? Is this copy legible??
And secondly they day i owe £127.33 yet they have been chasing me for £270 odd . I'm confused!!

Can anyone advise what happens next??
Thanks

shinyhead

Hi Lj,

It's pretty usual for a catalogue company not to have a valid CCA. What they've sent you is worth diddly.

I suggest you don't actually ring them but write and ask for a latest statement of account. It might be that as they've been caught out they've deducted any 'extra' charges and reduced it to what it should be.

I also suggest you send off the dispute letter after 12 + 2 working days are up since you sent the letter for the CCA.

Lj2008

Thanks for the advice
Do you know where i can find the 12+2 letter?

stapeley

All request letters are in my thread, CCA request results please . Long thread but it,s in there somewhere.

sunshine38_2

Lj2008 wrote: »

Hello,
This is my first post on here but i found a cca sample letter on here which i sent to Kays catalogue.
Well today i have recieved a letter back from them which says

'We refer to a recent request for a copy of your agreement.
Unfortunatley 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 al contractual variations which have taken place.
According to our records, the account was opened on 21/05/2002. You agreed to make payments every 28 days.
The outstanding balance is currently £127.33'

So firstly i have just been sent a copy of a agreement which is not signed by me it is just blank so where do i stand with this? Is this copy legible??
And secondly they day i owe £127.33 yet they have been chasing me for £270 odd . I'm confused!!

Can anyone advise what happens next??
Thanks

Hi LJ

Thanks for posting this - I have exactly the same problem. I've been looking through to try and find out what to do next but I'm not having much luck.

Strangely I've been sent two letters - one dated 28/11/08 saying the balance is currently £298.35 and that records show I've paid £95 in the last 12 months. The other one dated 2/12/08 states balance of £298.35 and that records show I've paid £176.00 in the last 12 months.

I really dont understand how they come up with two completely different figures.

I need help too. We are with CCCS and I dont know whether I'm supposed to ask them to stop payments to Bryan Carter & Co (who the account is currently passed to).

I dont know what to do about these two letters. They've only sent blank copies of the current agreement. My account was opened on 04/02/2005.

Do I write back to Additions who have sent the two recent letters asking about the difference in the records of payments? Do I ignore those and send some other letter to Additions and/or Bryan Carter?

I'm lost ... can anyone reading LJ's post please help us both?

Thanks

Sunshine

sunshine38_2

Sorry for the "bump"

Is there anyone around today who can help with this?

Thanks

Sunshine

10past6

sunshine38 wrote: »

We are with CCCS and I dont know whether I'm supposed to ask them to stop payments to Bryan Carter & Co (who the account is currently passed to)

CCCS WON’T become involved whether CCAs requests are enforceable or not.

If you stop a payment to a Ccreditor / DCA without justifiable reason, they may well cancel your DMP

It’s all or nothing with them I’m afraid.

Something you need to consider

shinyhead

If you've sent off a CCA request and don't get a satisfactory response by 12working days plus another 2 working days after they've received it (presume you sent it recorded delivery if not add the 12+2 to the date of any response letter you do get) the account is then in dispute. After a furher 30 calendar days and still no satisfactory response then it's in default and this is the point where most stop paying should they so wish.

If you're with CCCS or any other organisation working on your behalf if you want to stop paying them then they will but spread that payment over the rest of your creditors. I think they might not do it forever though.

Letters you can copy are on this thread: http://forums.moneysavingexpert.com/showthread.html?t=767025

but you'll have to trawl through it.

10past6

shinyhead wrote: »

After a furher 30 calendar days

That part of the act no longer applies

shinyhead wrote: »

If you're with CCCS or any other organisation working on your behalf if you want to stop paying them then they will but spread that payment over the rest of your creditors

No they won't read my post above.

shinyhead

The 30 days still exist, It's just not a criminal offence anymore.

I did a hypothetical request with CCCS a while ago and they said they would stop paying but would expect a resolution.

10past6

shinyhead wrote: »

The 30 days still exist, It's just not a criminal offence anymore.

I did a hypothetical request with CCCS a while ago and they said they would stop paying but would expect a resolution.

Do some research prior to giving misleading information.