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Just a thought

If you are on a DMP can you still do a CCA to the company to prove if your agreement is signed

Comments

  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Don't see why not - the law is the law after all
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • winner12
    winner12 Posts: 428 Forumite
    I was wondering about Barclaycard they bought my Goldfish card so it did make me wonder reading other posts that the agreements are not always passed on
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    I'd say give a try - nothing to lose really
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Under the official regulation a creditor is entitled to "omit" the signature from any copy agreement supplied under a CCA request.

    So it will rarely provide any absolute proof regarding the existence of a signed agreement.

    A Subject Access Request for the signed agreement may be better if you are looking to see if a signed one exists. You would need to specifically state in the request that you require a copy of the signed agreement, and that the request is not made under CCA74.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    winner12 wrote: »
    I was wondering about Barclaycard they bought my Goldfish card so it did make me wonder reading other posts that the agreements are not always passed on

    Barclaycard will do every they can to avoid supplying anything. They seem to take a delight in being deliberately awkward.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • winner12
    winner12 Posts: 428 Forumite
    Hi Fermi I have to agree they have been downright pains in the proverbial so far but you harden to debt in time I dont mean its nothing but you can handle them all without too much stress (previous post having a wobble)
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