CCA letter and overdrafts problem

ValHaller

achilles1966 wrote: »

Valhalla i have to disagree with your comment that a cca request amounts admitting liability for a debt !!!!! How can that be ? In fact very much to the contrary !! The opening line to the cca request states i have no knowledge of this debt so how can that be construed to acknowledging the debt ??? Baffles me

I did not say that it is an admission of liability - it said it was evidence of. As such, it is not conclusive evidence. But when you have done is tossed a scrap of evidence against you into your enemies camp. If it is not your debt, there will not be a CCA, but by paying £1, you have strongly implied to the DCA that there is a CCA in your name. Of course they will construe it as acknowledging the debt, after all their job is to get people to cough up. And if they have not got the debtor, you'll do.

What good is a CCA to you anyway? It is not your debt, you have nothing to prove - it is all for the DCA to prove. Let them think of the CCA for themselves. rather than being macho and demanding it.

fermi

achilles1966 wrote: »

Hi
I am being chased by Lowells for a debt of approx £790 which they sent me a statutory demand for.

---> Dealing with a statutory demand

and

---> http://www.legalbeagles.info/forums/showthread.php?41309-Statutory-Demands-READ-HERE

mart3ndo

Hi,

Sorry to hijack a thread, but I'm in a similar situation. I used the prove it letter and got this reply with this bank statement. I've also had lowell phone me a lot and once they stated that they don't need to provide any evidence that the debt is mine, but I must still repay it.

sourcrates

achilles1966 wrote: »

Valhalla i have to disagree with your comment that a cca request amounts admitting liability for a debt !!!!! How can that be ? In fact very much to the contrary !! The opening line to the cca request states i have no knowledge of this debt so how can that be construed to acknowledging the debt ??? Baffles me

Basically if you deny the debt is yours, send them the prove it letter, its then up to them to provide you with proof that you owe that debt, a CCA request on the other hand is a different beast altogether, that is used to supply you with a copy of the original agreement on an account you own, and admit to owning, ie, a debt that IS yours, not one you don't own !! you have got your template letters mixed up, that is all the previous posters are trying to tell you, by sending this you have given the dog a bone to chew on so to speak.

sourcrates

mart3ndo wrote: »

Hi,

Sorry to hijack a thread, but I'm in a similar situation. I used the prove it letter and got this reply with this bank statement. I've also had lowell phone me a lot and once they stated that they don't need to provide any evidence that the debt is mine, but I must still repay it.

Hi,
Well if this statement has your name and address on it then that constitutes proof of the debt !!