CCA Request

acer1234

Good morning
Since October 2008 i have been chasing a cca request with a dca.Basically i took a loan out a few years ago but after losing my job i got into a bit of money trouble.Anyway this was back in 1998 and since then have been paying a very small amount to them each month.Now back in October i asked for a copy of the cca which it took me ages to explain to them what the document was etc.In Jan 2009 i sent them a letter which i used one of the cca requests templates.I have now had a letter from them which arrived to day but cannot produce the cca

"We have contacted the abbey national in regard to your request for a credit agreement but they have advised that due to the age of the account they no longer hold the the original documentation,as such they cannot provide you with a copy"


it goes onto say

"The monthy payments you have made on this account since 1998 until september 2008 classifies as admission of liability"

So any ideas on next move people.I have never missed a payment on this account .

10past6

acer1234 wrote: »

"We have contacted the abbey national in regard to your request for a credit agreement but they have advised that due to the age of the account they no longer hold the the original documentation,as such they cannot provide you with a copy""

Well that's such a shame, until they DO provide the correct paperwork, your account remains in dispute, and as such, you're under NO legal obligation to pay them.

acer1234 wrote: »

"it goes onto say

The monthy payments you have made on this account since 1998 until september 2008 classifies as admission of liability"

Claptrap, let them tell that the judge, should they be foolish enough to commence legal proceedings.

RAS

acer1234 wrote: »

"The monthy payments you have made on this account since 1998 until september 2008 classifies as admission of liability".

Since you are not disputing liability, that is irrelevant.

What they have admitted to you is that the debt is unenforceable.

You are not obliged to pay any more money to them.

acer1234

Thanks guys for the heads up on this.I need to find the right letter template to send them to point out the next course of action.Anybody help please or reconmend the right one as i have seen several.
thanks

acer1234

Well good morning to you ,i thought i would update you on this one.On Wednesday of this week i have sent the second offical letter putting them in clear default of my request.I have just recieved a letter from them today saying that on this occassion NCO are going to close the account and mark it paid in full!

These forums are a gold mine!

I have one more that i am dealing with so will keep you updated