Help ,debt company refused my offer....

sourcrates

snowboardalleycat wrote: »

Hi sourcrates ,
I still not heard a thing, how long to do you think is reasonable time to wait? I have not had any correspondence with them since 24th November.

Many thanks in advance

Well I would say that's probebly good news.

You are aware that as things stand right now, the account is unenforcable until they do reply to you.
The fact it's taking so long makes me think they can't produce it, however, that's just my thoughts.

Are you still paying this ?

If yes, it's up to you if you want to stop, the usual time frame is about two months for a reply, so you should hear something soon.

snowboardalleycat

Yes , i tend agree with you.

I will now stop the payments and wait to what happens next... will pop back if I hear any news.

Thank you so much for your valuable and prompt help. You really have contributed to me being on my way to debt free life!

sourcrates

snowboardalleycat wrote: »

Yes , i tend agree with you.

I will now stop the payments and wait to what happens next... will pop back if I hear any news.

Thank you so much for your valuable and prompt help. You really have contributed to me being on my way to debt free life!

Not a problem, good luck with it !!!

snowboardalleycat

Hi there

Well the reason I am back is that I have finally heard from First Credit. I stopped February payment onward and this week received my first letter from them and its just a generic one.
It simply says "If we dont hear from you we can't help" along with a Financial statement (SAO) they want me to fill in and sign.

Want can I do now? They have not produced CAA and as it turns out I received some PPI from Abbey (Santander)and they had to guess this as no know documents are available.

Many thanks for your valuable advise in advance as usual :T

rizla_king

dear worst credit

If you dont comply with my CCA request I cant help you

regards

snowboardalleycat

rizla_king wrote: »

dear worst credit

If you dont comply with my CCA request I cant help you

regards

Thank you for making me laugh, but seriously do I ignore or write back with your quote?:rotfl:

I shudder every time I see a letter.

sourcrates

snowboardalleycat wrote: »

Thank you for making me laugh, but seriously do I ignore or write back with your quote?:rotfl:

I shudder every time I see a letter.

It's not really your responsibility to follow this up, the ball is in there court.
The debt, currently, is unenforceable, and will remain so till they comply, however long that may be.

frenchplonka

Sorry to Hijack your thread but my question is simple and aimed at Socrates as you prob remember you have help me get one debt from lowell SB and another possibly SB I now have 3 outstanding accounts I was going to settle as partial payment non are pre 2007 would you do a CCA as a formality rather than decide to pay these without them proving they have the paperwork to make the debts enforceable?

Also if a CCJ has been obtained can I still go down the CCA route


If so could you provide the link to CCA requests

sourcrates

frenchplonka wrote: »

Sorry to Hijack your thread but my question is simple and aimed at Socrates as you prob remember you have help me get one debt from lowell SB and another possibly SB I now have 3 outstanding accounts I was going to settle as partial payment non are pre 2007 would you do a CCA as a formality rather than decide to pay these without them proving they have the paperwork to make the debts enforceable?

Also if a CCJ has been obtained can I still go down the CCA route


If so could you provide the link to CCA requests

Hi,

You should always make a CCA request before making any settlement offers, it doesn't matter if the account was opened 10 years ago, or last week, if they can't provide proof a debt exists, in the form of a credit agreement, reconstituted or otherwise, then they cannot enforce there rights in court.

If an account is subject to a CCJ then that changes things, you can still make the request, but if the creditor was unable to comply, as they already have a court order, they can pursue you for it regardless.

CCA template here :

https://www.nationaldebtline.org/EW/sampleletters/Pages/Information-about-your-agreement-under-the-Consumer-Credit-Act-%28sole-name%29.aspx

frenchplonka

Does the fact ihave emailed them make the requests for cca procedures pointless now as I have been offered 40% discounts