CCA request and CCCS...

Maharishi

BigCraigJohn wrote: »

Do you own a house?
If you do not I would send CCA requests straight away, youve nothing to lose and its a legal right. They know you are skint clearly so I doubt it'll be a suprise. No assets to protect so you may as well.
If you do, i'd still send it and see what comes back, if its tight and they send something good or possibly good then you can continue on a dmp or let them send to a dca where it will be frozen for sure. If its bad or they dont have anything then you have a solid defence should they ever go to court, put the account into dispute and wait for the harassment, send the correct letters (see all-about-debt forums for templates).

Like has been said, challenging the CCA is not easy and will take some work but if it gets you back on course then worth a go.

Interesting BCJ, and thank you. I don't own a house BUT the house does belong to my wife. She bought it from the proceeds of her divorce. However, as I have made contributions along the way, I have been advised that if push came to shove, (in BR or DRO), then I could be construed as having equity therein. My wife's a sweetie but she wouldn't stand for any nonsense like that.

As a consequence I have to tread carefully. I, like most people (I suspect), prefer the quiet life with the minimum of stress and hassle. Therefore, continuing on with my DMP, that is nearing its 4th birthday, would appear to be that course. But there is a caveat. My debt free date is projected to be 2022, at which time I will be 66 should I survive that long. My career will probably end at 60 and I have no mechanism in place to provide a pension or other income. So I predict that a crunch will occur before the end of the road if I continue along the line that I am now taking...

Of course, many things can happen between then and now. If I drop dead then, whoopee, who cares? If my wife should go first, (12 years my senior so not completely unlikely), then I would have enough from the estate to settle the outstanding balances via full and final offers. Yet, without any of these scenarios, I can visualise great problems way off in the future. That is why I am considering the CCA route now if it alleviates those problems by nipping them in the bud.

M