Mackenzie Hall- CCA

dafydd120

Advice needed!

I received a letter from Mackenzie hall in February for a debt that I owe, but the amount is substantially different to what I previously owed.
I sent them a CCA request on the 2nd of March. I received a reply dated the 13th on the 15th returning my £1 cheque and they say they have contacted their Client for a copy of the agreement and a statement of my account.

They say that if they do not receive the relevant proof within 40 days they will close my account and return it to the client.

I had understood when sending the CCA request that I had to give them 12 working days to return the credit agreement, and if they do not then they are in default. And if another 30 days passes they have commited an offence.

Could someone clarify if I need to contact them after the 12 day period to tell them they are in default?

Many thanks

Dafydd

fermi

No need to tell them unless they write again. They know they are in default.

The extra "offence" after 30 days no longer applies, as the law was changed to get rid of that.

Gordon_Hose

I would either way. If they return it to the OC, then CCA them as well. If they don't come up with the goods put them in default also.

dafydd120

Thanks for the advice. Am I correct in thinking that they cannot contact me again until they have provided a copy of the agreement?

pure_dead_dopey

no they will contact you but you need to write and tell them that they are in default of your CCA request.
Also no point sending a new DCA/creditor another CCA, why restart the process, if OC can't supply they are all in default until someone does supply