We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
CCA Question
Ukevas
Posts: 1,095 Forumite
So finaly DCA got back to me 11 days after they got the 12+2 :rolleyes:
has the normal talk please phone us wiithin 7 days ETC. but has the following line. which is in relation to the CCA request.
"we must now inform you that we are unable to comply with your request due to not having the required information to do so"
and they need more info from me to be able to get it.
lost as to what to write next to them.
i did notice that they keeped the £1 for the CCA request i sent mind:rotfl:
any advice??
dont mind paying them back just want to be in the driver seat
:beer:
has the normal talk please phone us wiithin 7 days ETC. but has the following line. which is in relation to the CCA request.
"we must now inform you that we are unable to comply with your request due to not having the required information to do so"
and they need more info from me to be able to get it.
lost as to what to write next to them.
i did notice that they keeped the £1 for the CCA request i sent mind:rotfl:
any advice??
dont mind paying them back just want to be in the driver seat
:beer:
Cabbage Patch 09 - 10m - 1hr 06m
Leicester 09 -1/2 - 1h 26m
0
Comments
-
I've never done this myself but maybe write them a letter saying something along the lines that if they don't supply the required information they cannot chase you for the debt and you will no longer be dealing with them in relation to the debt.DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0
-
Ignore any further requests from them until they supply a VALID CCA"we must now inform you that we are unable to comply with your request due to not having the required information to do so"
Write to them and request your £1.00 back"i did notice that they keeped the £1 for the CCA request i sent mind:rotfl:
Yes, I'm serious
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
If they havn't got the required info..........why the hell are they chasing a debt they are not sure about? Breach of OFT Guidelines www.oft.gov.uk
:D stay wonky :D
....one-way ticket to Portugal booked !0 -
he-he i know.... thanks for the advice guys
Cabbage Patch 09 - 10m - 1hr 06mLeicester 09 -1/2 - 1h 26m0 -
"we must now inform you that we are unable to comply with your request due to not having the required information to do so"
and they need more info from me to be able to get it.
lost as to what to write next to them.
i did notice that they keeped the £1 for the CCA request i sent mind:rotfl:
any advice??
You need, as stated, do nothing - the dca has breached the terms of the Consumer Credit Act, by not sending your cca within the legally prescribed 12 working day period, and, even if he magically finds it now he must seek permission from the Courts in order to 'enforce' it.
Whatever you decide to do, you are now in the driving seat, and the dca is 'in default'.
Do not give them any further information - they were happy enough that they were 'dealing with the right person' before your cca request - what can have 'changed' now?
I don't, in all honesty, think it a good idea (nice thought though) to request that they refund the £1 statutory fee.
Keep copies of all letters, though, in case this dca passes the 'debt' on to another dca, in the future, contray to the Data Protection Act.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
I don't, in all honesty, think it a good idea (nice thought though) to request that they refund the £1 statutory fee.
Not even £12 p/m late fees and Intrest at 29.8% untill i get the pound back or the CCA at least
.. :rotfl:
again thanks... at least its Sunday tomorrow so no silly letters from the postman... whoo hoooCabbage Patch 09 - 10m - 1hr 06mLeicester 09 -1/2 - 1h 26m0 -
No offence to rog2, but I wouldn't give them 1p let alone a £1.00, just my opinion thoughI don't, in all honesty, think it a good idea (nice thought though) to request that they refund the £1 statutory fee. Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards