CCA's Sent & received - What's the next step?

Culex

minus28 wrote: »

I'm still trying to get my head around CCA's, but from my limited knowledge I thought that the point in requesting a cca was only if you thought you were not liable for the debt? (fraud/ex-partner, etc). From your post It appears that you have have received loans and ran up cards etc therefore are liable are you not? By requesting a cca are you trying to avoid debt? I only ask as I was thinking of requesting a cca myself to detail charges/interest etc, but whether or not they can provide an original agreement, surely my statements/expenditures and my payments all indicate liability. Thanks for any response, its a learning curve for me

Payments made under duress do not necessarily indicate or even imply liability for an alleged debt, nor does seeking to establish if an alleged creditor can legally enforce a debt indicate or be taken to imply that the alleged debtor is seeking to avoid payment.

Rockyracoon

Hi Peeps!

It's been a while since my last post. None of the DCA's have managed to provide me with a CCA, phone calls & letters have stopped, not heard from them since i put this in montion. I know wish to sort out my credit report file so my question is, what is the next step? Can i speak to the credit agenices & put a letter of correction to try and get this back on track? Do i offer a full & final to the DCA's? please help!

Cheers

Rocky

Rockyracoon

Hey,
After all this time, I have just received a text from Cabot saying my payment arrangement is overdue & to contact them immediately. They still haven't provided me with the CCA i requested last year so is it best to ignore them?

Rocky xx

Rockyracoon

Hi all,

How accurrate is https://www.creditexpert.com ? Signed up to have a look & my credit rating has come back as exellent - 968 out of 999!!!

Is this a ture indication or just rubbish?

cheers

Rocky