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Requesting a copy of credit agreement from catalogues

emweaver
emweaver Posts: 8,419 Forumite
in Debt-free wannabe
My catalogue arrears are with DCA and Ive not made any payments towards them.

I've been informed I can request a copy of the credit agreement I signed (I know I never signed anything) and if one can't be supplied the debt isn't enforceable. Is this correct?

If it is do I write to the catalogues or the DCA?
Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
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Comments

  • pure_dead_dopey
    pure_dead_dopey Posts: 2,215 Forumite
    write to whoever is asking for the money
    More than Two Years in

    Doing it the Niddy way:j:j:j

  • Tixy
    Tixy Posts: 31,455 Forumite
    When did you open the account?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • nottoolate
    nottoolate Posts: 1,359 Forumite
    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=32_catalogue_debts#chapter6

    explains a bit
  • emweaver
    emweaver Posts: 8,419 Forumite
    The majority were opened in 2004 with a few in either 2006 or 2007.
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • pure_dead_dopey
    pure_dead_dopey Posts: 2,215 Forumite
    its not just as simple as that, there are various reasons that an agreement can be UE, and you need to get the CCAs to look at them first before making any pronouncements, the ones before April 2007 can be challenged on the CCA if it is defective, but post 2007 are a bit different. Get the CCAs and then get decent advice on the lawfulness of what they supply (if they actually supply anything that is)
    More than Two Years in

    Doing it the Niddy way:j:j:j

  • emweaver
    emweaver Posts: 8,419 Forumite
    edited 4 April 2012 at 10:31AM
    Im new to this and finding it all very confusing. Im wondering if its worth it
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • emweaver
    emweaver Posts: 8,419 Forumite
    Once Ive got the request information how do I know if its enforcable?
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Google all about debt forum run by Never in doubt and ask the experts. Worked for me
    :beer:
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    The catalogues dont have cca's signed and everyone knows it, but they can still chase and trash your credit file just means they cant take you to court
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • pure_dead_dopey
    pure_dead_dopey Posts: 2,215 Forumite
    The OP is in arrears and the accounts are with a DCA, therefore defaulted, so credit record is not a concern.
    More than Two Years in

    Doing it the Niddy way:j:j:j

This discussion has been closed.
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