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Is is worth requesting CCA

scaredandalone_2
scaredandalone_2 Posts: 20 Forumite
in Debt-free wannabe
I have read about CCA and wondering if its worth requesting from my catalogue accounts both are pre April 2007 so if they start been funny about dmp I have said something?
«1

Comments

  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Definitely worth it. May give you bargaining power if you turn out to need it or encourage them to sell it on where interest and charges are more likely to be stopped.
    Still rolling rolling rolling...... :) <
    SIGNATURE - Not part of post
  • fatbelly
    fatbelly Posts: 23,345 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Yes. And if it's JD Williams group, you might even get them to agree that it's unenforceable and so of a lower priority than your other debts. There's no downside to it, it costs £1. Do it.
  • intempo
    intempo Posts: 18 Forumite
    Can i ask what a CCA is please?
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Which catalogues?

    Shop direct group will likely send you a copy of a current one with no name and address and say you would have signed one like it now cough up. Its junk...

    Refused to admit it was unenforceable, but who cares as it is.

    Good luck

    HB
    :beer:
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Eighth Anniversary 10,000 Posts Debt-free and Proud!
    intempo wrote: »
    Can i ask what a CCA is please?

    A Consumer Credit Agreement.
  • scaredandalone_2
    scaredandalone_2 Posts: 20 Forumite
    It's Very and K&Co so come under shop direct
  • sourcrates
    sourcrates Posts: 32,077 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Hi,
    My shop direct account was passed to there inhouse debt collectors, NDR recovery, who after a good year of adding on charges, sold it to Lowells, I sent a CCA request to lowells for this account, I got a response saying, we are looking into this etc, then a few weeks later got a letter back saying "we are prepared to take a commercial view in regard to this account and have decided to write off the balance and close the account" apparently the correct paperwork could not be found for the account, neither was the correct paperwork for the sale of the debt to Lowells completed properly either, so its always worth sending for as these companies don't always follow the rules where the sale of these accounts are concerned.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • scaredandalone_2
    scaredandalone_2 Posts: 20 Forumite
    Thank you should i do it now before going into DMP or wait?
  • sourcrates
    sourcrates Posts: 32,077 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    scaredandalone wrote: »
    Thank you should i do it now before going into DMP or wait?

    Is the account still with the catalogue company ? I`d do it now and see what comes back before you enter a DMP !
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Do it now.

    Are they adding charges still?

    If so, sooner they know you ain't paying without a CCA they will sell it on and unlikely any more charges added. So you can pay it then if you like.
    :beer:
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