The 6 year thing?

Tixy

woodgreen2013 wrote: »

Sending a CCA request effectively puts the account into dispute, during which time the creditor may not take any further collection action. Without a valid agreement, the debt is unenforcable without a court order.
However, it is important to reaslise that lack of response to a CCA request may render a debt unenforcable, it does not cease to exist. This process can not, and should not, be used to evade debts.

What sort of debts are the defaults related to?
Are you aware that not all debts are covered by the consumer credit act and so sending a CCA request for those debts would be pointless.

Why do you want to send a CCA request to these creditors? are you planning to send it to the older or newer defaults you refer to? to what end?
what if the debt collectors respond with a valid CCA?
Even if the creditor cannot supply you with a valid CCA then it does not mean that the default will be removed.
Case law has already decided that not being able to provide a valid CCA does not mean a default should be removed.