Reeling from the Reality Check

Verbatim

That'swonderful HB
Enjoy your holiday.
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Historybuff

Just got an annual statement from final creditor - collection agency - with original creditor details at the top - original creditor, original agreement no and agreement date. Is it worth CCAing them if they have all these details? Or am I just stuck with trying to get them to accept a p and f offer?
Any advice welcome.

Brogden

Historybuff wrote: »

Just got an annual statement from final creditor - collection agency - with original creditor details at the top - original creditor, original agreement no and agreement date. Is it worth CCAing them if they have all these details? Or am I just stuck with trying to get them to accept a p and f offer?
Any advice welcome.

The only creditor I am hanging out for a CCA dates back to 2005 and nine months after requesting it they still haven't produced anything at all. Collection activity is all on hold. It is my thought to wait until a year is up, give them the long, sad history and give them reasons to write this off......which they may well not!

All my other creditors have produced the CCA agreement and it is just my feeling that if the agreement is in fairly recent years they will virtually certainly be able to get it and send it to you - things do seem to have been tightened up a lot, maybe since 2007 although this pre/post 2007 thing doesn't mean a thing to me and only seems to be of any use to those who are clutching at straws in court .

If you CCA them and they produce it you may have wasted a few months but you never know if there may have been some error or omission but I wouldn't bet on it. It all comes down to whether the agreement was really old or relatively recent and how likely you feel it is that they can produce something that stands up.

You seem to be doing very well HB !!

Historybuff

Thanks, Brogden. I just have the one creditor left now and really would like it to be settled. I think if they have all the original details, they must have everything in order. I'm going to just carry on paying the small amount I have agreed with them for now and try again for a p and f later on.
How are things with you? Hope all is going as well as it can.

Seasidegal58

Hi Historybuff


I used to follow your diary whilst I was writing my own first debt diary. Hope all is well.


SSG x

Historybuff

Hi seaside. Yes, thanks. All OK concentrating on getting the last of the debts gone.

Seasidegal58

That's great! Hope to hear your update soon!

worriedDan

Wow - this is really inspirational! Well done for paying off much debt so quickly.

Historybuff

Trying to get more organised to save more money, so I can give up my job and do something different. I've opened two other bank accounts, one for saving and one for my months expenses money. I've tried all ways to be really strict about spending, but always seem to end up buying unplanned things. So, I have an account for the bills/direct debits and standing orders, another for my expenses and another for savings. Whatever is left in the expenses and bills accounts at the end of the month will be put in the savings account. First month, this month, so let's see how it goes...

Historybuff

Now this question. I've built up a bit of savings which is in premium bonds. Shall I keep it where it is in the hope that I win the million, or pay it off the mortgage, then start saving again?