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Fredricksons CCA nightmare...

roougers
roougers Posts: 69 Forumite
in Debt-free wannabe
Just a quick one.

I am having a nightmare with the above at the moment trying to get a CCA for a loan I defaulted on at the Co-op (yeah I know!!)

After 2 letters and no reply, they are now saying that I need to send a postal order for £2.

Is that Legal


If I had discovered MSE this time last year I may not be going down the road to BR

:beer:

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    For a copy of the CCA the fee they can charge is £1. Assuming this was just one loan and one CCA then £2 is too much.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Is there just one debt/agreement here?

    The statutory fee for requesting a copy agreement and statement of account under s77-9 CCA is £1.
    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
  • barbiedoll
    barbiedoll Posts: 5,328 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Make sure that you send a letter with the £1.00 payment stating that the money IS NOT to be used as a payment towards the debt. And don't send a cheque or anything with a signature!
    "I may be many things but not being indiscreet isn't one of them"
  • FTW
    FTW Posts: 8,682 Forumite
    barbiedoll wrote: »
    Make sure that you send a letter with the £1.00 payment stating that the money IS NOT to be used as a payment towards the debt. And don't send a cheque or anything with a signature!

    Absolutely. Send that letter recorded delivery also - DCAs have an annoying and strangely convenient habit of never receiving them.

    Also, if they're asking for £2 to fulfil a CCA request, refer a complaint to the OFT, Consumer Direct, and the Financial Ombudsman Service - the most they can ask for is £1. It might only be a difference of £1, but it's the principle of the matter.
  • king100
    king100 Posts: 1,565 Forumite
    Dont send the £2

    £1 will be for the CCA and the other will be to pay towards the loan, probably so they can reset the clock and continue harrassing you.
    I all have learnt is from others on many sites.
    Seek legal help if unsure.
    Dont pay Private Parking tickets - they are mere invoices.

    PRESS THANKS
    }
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