CCA Request Replies

sdale81

Hi,

I have followed advise on a lot of other threads on this site about requesting CCA's from companies that are chasing me for money.

One have them have replied within the 14 days, the letter stats that they are not in possesion of the CCA as they are not the original lender.

They state that they have requested the CCA from the original lender and as soon as they receive it they will forward it on to me.

They say that this should be within the next 40-60 days and whilst I am waiting for this I should contact them to arrange a repayment programme with them!!

What should I reply to this? Its thrown me as others I have written to have either not replied or have sent a letter saying they do/do not have the CCA, I can find responses on this site to them situations but not the one that I have just received.

Any advice would be greatly received.

Thanks

fermi

First of all, do you recognise the debt they are chasing?

Reason I ask, is that a lot of people who are chased for debts that they are not sure are theirs, send CCA requests, when in fact for several reasons it would be better to just send a blunt letter saying "I do not owe this debt. Either prove that I do or bog off".

sdale81

I think that I do but am sure that I never signed anything for it.

They have passed it from company to company chasing me and I have lost track of what the debt is for. Now that its been passed through so many hands I wonder if it is still enforcable, the debt its about 8 years old if not more.

fermi

Depends what they nature of the dispute is?

If you are disputing that the debt is yours, then obviously yes, it would be inappropriate for them to press for payment.

BUT, if the debt is yours, and the issue is just whether a credit agreement was signed, then that is not a "dispute" in the eyes of the OFT that precludes asking for and agreeing payment. As per OFT guidelines.

After all, lack of a credit agreement may, and only may, mean that the debt cannot be enforced by a court. That is all it means though. Nothing more. A technical bar. The debt is still owed though, and you can be asked to pay it.

fermi

sdale81 wrote: »

I think that I do but am sure that I never signed anything for it.

They have passed it from company to company chasing me and I have lost track of what the debt is for. Now that its been passed through so many hands I wonder if it is still enforcable, the debt its about 8 years old if not more.

For now I would wait.

No point posturing at this point only to find that in a few weeks they "find" a credit agreement.

If you want to remind them then a letter similar to the one in this link may be OK?

http://forums.moneysavingexpert.com/showpost.php?p=11660785&postcount=7

But the DCA/creditor undoubtedly knows that anyway, so is of limited use unless you are being threatened with court action.