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Help with cca
HatchiDog
Posts: 13 Forumite
Hi Guys,
Just a quick one.
I sent Debt Managers Ltd a CCA request and included the £1 postal order etc. I've recieved a letter back off them advising as a result of my letter they have now closed there file and sent it back to Next Directory and no further action will be taken by them.
Does this mean that if Debt Managers have added any defaults etc to my credit report they have to be taken off ?? Also they haven't returned my postal order so will this mean they have sent it onto Next ??
Any help would be appreciated as i haven't a clue !
Just a quick one.
I sent Debt Managers Ltd a CCA request and included the £1 postal order etc. I've recieved a letter back off them advising as a result of my letter they have now closed there file and sent it back to Next Directory and no further action will be taken by them.
Does this mean that if Debt Managers have added any defaults etc to my credit report they have to be taken off ?? Also they haven't returned my postal order so will this mean they have sent it onto Next ??
Any help would be appreciated as i haven't a clue !
0
Comments
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No, without a CCA it only protects against court action.
Defaults, Late Payments etc, can still be reported to your credit file, and it is not grounds ot remove previous actions. This was decided in the high courts in Dec 2009.
They 'Debt Managers Ltd' are required to carry out the CCA request by law, so if they are closing your file and returning it to next i would assume 'Next' are now liable to fulfil the request and deal with you directly, so if you have not heard from next within 14 days of your letters, send next the reminder.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
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