Offers to DCA's

Colderado

I sent the below letter on the 18th by recorded, is the 12+2 days counted as working days, or days in general?

What do I need to do if they have not replied, or provided me with the agreements?

I recieved one response from Lowell's dated the 27th Sept, which essentially said, thank you for writing to us, we have requested your original credit agreement, please bare with us as this may take some time - do I need to reply to that, remind them the clock is ticking, or just wait till they get back to me again?

With regard to the satisfied balance I mentioned above, still no new account showing on credit report, but also this isn't showing as satisfied on other reports, although the updated date is still early sept.

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Asbestross wrote: »

Hi Colderado,

First thing I would do is get some formal CCA requests (see below) sent off to each of the three companies. If they claim you owe them money, make them work to prove that you do. If they provide these documents which they are legally obliged to do then you need to check these methodically to ensure all is sound, and that the outstanding amounts all add up correctly. DCA's are well known for adding substantial fee's and charges to accounts regardless of whether they can collect or contact has been made.


This will need to be sent to each creditor via recorded delivery with a postal order for £1 (can get from the postoffice and will cost you £1.50). They should also send you a full statement of account detailing any charges and interest that has been added.

Once you've received these, then you can start considering the next course of action.

What I would say also, is that Littlewoods are reknown for not keeping their paperwork up to date and usually do not provide a copy of the CCA to Lowell who will probably request it, but if they cant provide after 14 days you can legally put the account into formal dispute (which will ultimately lead to the debt being unenforceable and the default being removed completely, but we'll come to that later if it occurs).

As for a F&F offer, I would only make this once you are completely aware of any charges and interest. And also make it a clear condition of the F&F agreement that the defaults are removed completely, and not just marked as satisfied. If these debts are 3 years old with no prior contact you will probably get this accepted, but not guaranteed.

Hope this helps, and let me know how you get on

Ross

Colderado

hope its ok to bump this, as it is the 11th working day since sending, or if using normal days, well past the 12