Advice re CCA and F&F settlement

thechippy

Sarah76 wrote: »

CCS actually sent me a piece of paper saying they didnt have it or the facility to get it and told me to contact ltsb which i did and they have never got back to me either

have i just given myself a whole load of trouble

Nope, done yourself a favour......;)

Hannah_10

Sarah I wrote the same thing down about DCA's being evil liars and bullies and how you shouldn't talk to them on the phone that I made a post about it. Have a read of this. https://forums.moneysavingexpert.com/discussion/2719675

It's THEM. It's not YOU.

Sarah76_2

thechippy wrote: »

Send a SAR (subject access request)
Will cost you a tenner, but they should send all info they have on you.

Hopefully you can use this to clarify the amount owed.

Hi I know how much they say I owe them it was the actual statements for the secondary card I actually wanted and then was going to take it further with my ex as i know that at least 70% of the balance was his spending and I was trying to find out if the secondary card was enforcable as I never signed anything for it so wanted to check the t&c for it. Both of these things I cant do as they dont have the documents required

I know everyone will say that its my responsibilty but I am sick of paying my ex's debt and would at least like to be able to try and recover some money from him and I now cant do this due to them not having relevent paperwork

I have never even been sent a statement from the DCA as to what I have paid to them :(:(

nottoolate

Sarah76 wrote: »

The dca is ccs - commercial collect services

never heard of them. means they must be a smallish oufit

which is probably why they feel they can break every rule going as they think they are under the ofts radar. seems to happen with the small debt collectors

ignore their daft threats but report them when you get them

Sarah76_2

ok I have reported them to OFT already as im fed up of them shouting down the phone at me !

Hannah_10

I doubt LTSB even gave the DCA the paperwork on how the bill was comprised y'know. I would SAR LTSB, not the DCA.

Sarah76_2

does it make my case stronger if i SAR LTSB ? sorry if im being thick

Sarah76_2

hi shamelessly bumping my post :-)

I am unsure what a SAR will do dont really understand it tbh also is it worth getting my experian credit report (the free one ) or paying the £8 for the trustonline thingy

Thanks