Do DCA acknowledge...

craftingqueen_2

Payplan ? we were told it's easier for payplan to get DCA's to accept dmp than actual creditors .

Worried about having visit's from DCA's as we have children and very nosey neighbours.

Many thanks

craftingueen.

smashedbooboo

Are you already with payplan. And which DCAs are they. And what for. Can you give a bit more info hun.

craftingqueen_2

Hiya smashedbooboo,

We have just started with payplan,and We haven't had any DCA's as yet but we are preparing ourselfs for it as we are with Lloyds,Tesco,Cahoot,Nationwide ....After so many threads we are begining to think we also will get a bad time as our debts are well over 50k.


craftingqueen.

BAILIFFCHASER

Your reference :

Dear sir/madam

With reference to the above account, I am writing to confirm I am not acknowledging this debt.would you please send me a true copy of this credit agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request and this should be supplied within 12 working days. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.
Please note that under Section 189 you are obliged to supply these documents whether you are the original creditor or not. I await your reply.


Enc cheque number


Before you enter into any paln send every one of your creditors a copy of the above letter with a #£1 cheque. If they cannot produce an agreement then they cannot enforce the debt.