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CCA In A Nutshell Please

MeeBroke
MeeBroke Posts: 78 Forumite
in Debt-free wannabe
So many references to it here. Can someone give me a quick summary or point me in the direction of one?

Many thanks
«1

Comments

  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    Brief guide.
    http://forums.moneysavingexpert.com/showthread.html?t=578486
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • MeeBroke
    MeeBroke Posts: 78 Forumite
    I read through a lot of that but, do you have to have defaulted? I mean, can I CCA my three CC's now even though I've never missed a payment?
  • MeeBroke
    MeeBroke Posts: 78 Forumite
    I'm totally confused about the six year thing. I have also never signed any piece of paper in regards to an credit agreement for my credit cards-never signed any application either.
  • 10past6
    10past6 Posts: 4,962 Forumite
    MeeBroke wrote: »
    can I CCA my three CC's now even though I've never missed a payment?
    Yes, send of for your CCA, then post it up here for confirmation once you receive it (removing personal data)
    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 professional
  • MeeBroke
    MeeBroke Posts: 78 Forumite
    10past6 wrote: »
    Yes, send of for your CCA, then post it up here for confirmation once you receive it (removing personal data)

    And how do we do that again?
  • 10past6
    10past6 Posts: 4,962 Forumite
    MeeBroke wrote: »
    And how do we do that again?
    Do one step at a time, send of for your CCA
    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 professional
  • MeeBroke
    MeeBroke Posts: 78 Forumite
    10past6 wrote: »
    Do one step at a time, send of for your CCA

    Yes, sorry (and thanks) how do we do that though? Is there a form letter or what?
  • 10past6
    10past6 Posts: 4,962 Forumite
    Send the following letter for each CCA you require, enclosing a £1.00 postal order for each request,send by recorded delivery:

    Your Address

    Date
    DCA / Creditor
    Address

    Dear Sir/Madam

    Re:− Account/Reference Number: XXXXXXXXX

    With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

    Iunderstand that under the Consumer Credit Act 1974 (Sections 77−79), I'm entitled to receive a copy of our credit agreement on request.

    I enclose a £1.00 postal order which represents the fee payable under the Consumer Credit Act.

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

    I 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.

    I look forward to hearing from you.

    Yours faithfully
    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 professional
  • MeeBroke
    MeeBroke Posts: 78 Forumite
    Thanks so much for your help with this. Where do we find the correct postal address? I've never actually posted anything to a CC before. I'm guessing it may be on a statement somewhere?
  • massivedebts
    massivedebts Posts: 239 Forumite
    Hello
    I'm just about to enter into a DMP with CCCS, for which my OH and I have 5 credit cards, is it worth sending off for a CCA before we commit to the DMP ,or am I on the wrong track.
    Thanks for your time
    Finally brave enough to deal with my debts! :D
    CCCS DMP - 1.4.2009
    Couldn't have done it without the guys on the DMP Mutual Support Thread.
    :T :T :T :T
    DMP Support Member 255
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