Littlewoods and cca

richwannabe

Does anyone know if I sent a CCA request to Lowell re an old Littlewoods and Very account if they could provide a valid one ?
Accounts opened in 2002 and 2005 , if they cant would they be removed from my credit File or marked as settled etc
Thanks

fatbelly

You won't know unless you try.

It won't have any effect on your credit file.

happy_bunny_2

Worth doing if they are chasing you for the debt.

Be advised, they may send you junk and claim its valid.

richwannabe

thanks for advice , what sort of junk do they send then ? surely thats illegal .will let you know how it goes x

happy_bunny_2

I had a current format agreement sent on a 90s account, saying its what you would have signed, it's valid now pay us.

They may not properly reconstitute it.

Unless the have the signed one, they are stuffed in court.

You could also send them a SAR, if they have the original they should include a copy.

richwannabe

ok , i will look out for that ! Did your case go to court ? or did they just back off ?

happy_bunny_2

As soon as I told them to do one cos the CCA was junk they sold it to a DCA. Despite several solicitors letters since, to which I repeated my points, never been to court and if it does they will have wasted their money.

chanz4

it will stay on your credit file 6 years from default no matter what

sourcrates

When these debts get sold on, the DCA that buys them does not get any official paperwork relating to that debt, they buy them by the batch load in bulk, just names and account numbers on a spread sheet.
Any CCA agreements are still held (or not) by the original creditor, that's why there is usually a delay in actioning a CCA request, as the DCA has to refer back to the original lender.
Little woods are/were notorious for sending out goods without a valid CCA agreement, so its always worth doing a CCA request.