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Requesting Credit agreements

indebt_09
indebt_09 Posts: 14 Forumite
in Debt-free wannabe
I am hoping for some advice...

I have been through the motions of the letters etc for requesting credit agreements, and have had one debtor say they dont have it and will leave me alone etc and the others haven't come up with the goods. I have sent all of the letters and have not heard anything for ages.

Should I be following it up for closure????

Thanks :)

Comments

  • mr.ton
    mr.ton Posts: 415 Forumite
    A debt is legally unenforacble until they produce a valid CCA.
    The DCA's will chance their arm regardless.
    Report them to the OFT & trading standards if they do.
  • indebt_09
    indebt_09 Posts: 14 Forumite
    Right ok, so you don't think I should be asking again for some sort of confirmation that they wont be chasing?

    Thanks for your reply.
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    If you have done the CCA request, 14 day reminder, and finally the CCA dispute letter for failing to supply a valid CCA. Then yes, leave them alone.

    Flow chart - http://forums.moneysavingexpert.com/showpost.html?p=30355901&postcount=4
    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 deficiencies
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