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No cca a not on credit file??
funky_fiddler
Posts: 23 Forumite
I was wondering if anyone could maybe help O.K Here we go...
I sent a CCA request to CL finance on the 23rd of December- I was on a reduced payment arrangement with my horrible Dorothy Perkins card for a couple of months as I was a bit strapped for cash. Anyway they sold it on. So when I had the letter from CL I sent them a cca request. Had a letter back after the 12 days saying- we are trying to locate your credit agreement etc but as yet there has been no sign. I've continued to make token payments towards it anyway as I was sure they were going to find it- I checked my credit file a month ago and it was still on there. I have checked it again this morning and any record of my card or CL finance has gone. :beer: Result! But I'm really suspicious-They have sent me a statement aswell after a few months of nothing.
What do you think is going on. I'm still up to date with my payments with them and am scared not to pay them just in case it ruins my credit score- am hoping to remortgage soon you see. Do you think I should ask them for a final settlement since there is no CCA.
Many thanks for your help
Chloe x
I sent a CCA request to CL finance on the 23rd of December- I was on a reduced payment arrangement with my horrible Dorothy Perkins card for a couple of months as I was a bit strapped for cash. Anyway they sold it on. So when I had the letter from CL I sent them a cca request. Had a letter back after the 12 days saying- we are trying to locate your credit agreement etc but as yet there has been no sign. I've continued to make token payments towards it anyway as I was sure they were going to find it- I checked my credit file a month ago and it was still on there. I have checked it again this morning and any record of my card or CL finance has gone. :beer: Result! But I'm really suspicious-They have sent me a statement aswell after a few months of nothing.
What do you think is going on. I'm still up to date with my payments with them and am scared not to pay them just in case it ruins my credit score- am hoping to remortgage soon you see. Do you think I should ask them for a final settlement since there is no CCA.
Many thanks for your help
Chloe x
0
Comments
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Have you checked all three credit record agencies?If you've have not made a mistake, you've made nothing0
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May also have been temporarily removed while being passed to another DCA. Not uncommon if the first can't get a CCA.
I would watch the credit file and watch the post and see what turns up.
If CL still want money, believe me they will let you know eventually. :rolleyes:Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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