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Letter requesting CCA Agreement.Small question please

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Hello there,

I have a debt of £6000 on a Lloyds credit card. I took out the credit card a number of years ago.
I am not sure if this agreement is enforceable and I was thinking of requesting a CCA.
In the threads I have noticed some people saying write on your letter " I DO NOT ACKNOWLEDGE OWING THIS DEBT".
However, I am currently paying £8 per month off the balance which was arranged after I sent them my income and expenditure sheet two years ago. My question is, How can I write " I do not acknowledge owing this debt" if they have previous correspondene from me acknowledging the debt. Surely, I cannot pursue the route of it being unenforceable ???

Please can you advise ? I know there is no way I can pay off the full balance of £6000 for years to come and therefore my only other option would be to offer a full and final settlement out of my student loan.

Many thanks

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  • nomoneytoday
    nomoneytoday Posts: 4,866 Forumite
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    The "I don't acknowledge the debt" line is for when another debt company come chasing an old / closed / disputed debt.

    Since you are paying a token amount monthly this will overide the statement as you clearly do acknowledge the debt, hence the monthly payments :)

    Since it is on a token payment, maybe see what full and final payment would be acceptable?
  • littlebananafeet
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    Yes, I think I will do that.

    Many thanks for your reply :-)
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