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What To Do Next
lauren_help
Posts: 18 Forumite
I have credit cards for which I sent off a cca request back in November 2008 - I then sent the Formal Notice letter at the begining of this year both for which I have had nothing back - Is there a template letter to ask for the accounts to be closed down? If not what do I do next? **please help**
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I think it depends which year you took your cards out as to whether the CCA request does any good TBH.Is there a template letter to ask for the accounts to be closed down?
Not sure what you mean by 'to be closed down?'. The debt still exists, it won't get closed down, just means without the CCA it is harder for whichever creditor/DCA has your account(s) to potentially enforce it. And if I understand you correctly, you cannot get them closed down in that way anyway.
What to do next? Nothing, really. It is always up to the DCA/creditor to produce what you requested, they know what their obligations are. But it's up to you of course what you do next. But, no, you can't ask for the accounts to be closed down. If they are with a DCA for example what should have happened is that the account should be returned back to the creditor. They don't always notify people of that but it will probably be sold to the next one in the chain. There are various letters somewhere for that eventually anyway.Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
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Hi - Took them out in 2004 / 20050
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Then, hypothetically, there is a good chance they will not have one. So, sit back and wait. As you may know they are supposed to cease collection activity until they produce one. If you get any further hassles in that direction then post here and someone will help with what to reply with.Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
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Should I not be trying to get them to close the account and removing any data - I suppose I am just scarred out of my wits every time the post comes or door bell rings.0
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Should I not be trying to get them to close the account and removing any data
Erm, no. The debt still exists so that would be impossible.Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
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Incidentally, who are these cards with as you don't say? Would it be Barclaycard for example? Sometimes it helps to know which creditor you are dealing with you see. As to what they are now likely to do next.Hi - Took them out in 2004 / 2005
Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
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one is barclaycard and the other cap one - is the only way to get rid of it totally to offer a full and final settlement? even if there is no cca?0
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It's one route to go down, but only if you've got the money, of course. And it would dispense your debt, of course. Whether it would remove anything off your credit file is questionable. As you may have read on MSE some have had to fight to get the defaults removed off their credit history even after !!!!!!. Also, you would need to do it formally otherwise you could find they accept it incorrectly, then months down the line another DCA shows up demanding the balance/remainder.Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
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