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CCA query
Comments
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January2015 wrote: »No response from MBNA yet. However, letter received from PRAT group advising they have purchased this debt (lucky them
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Do we just respond and advise that we wrote to CC company on x dates and requested CCA under S78 and until they comply the debt is unenforceable? Is there a standard letter/wording anywhere?
Thanks for you help
Usually it is best to repeat the whole CCA request to the new creditor, but make it clear that the original request also still stands and the debt hasn't magically become enforceable again due to the debt being sold.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Usually it is best to repeat the whole CCA request to the new creditor, but make it clear that the original request also still stands and the debt hasn't magically become enforceable again due to the debt being sold.
Many thanks Fermi. Just to be clear, do I send another £1 to Prat group ?DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k :eek: Now debt free and happy :j0 -
Normally best to, yes.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
glentoran99 wrote: »So you send a CCA request to MBNA and suddenly they sell they debt, looks like they cant find it
Fairly typical MBNA.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
glentoran99 wrote: »So you send a CCA request to MBNA and suddenly they sell they debt, looks like they cant find it
Typical responce in a lot of cases, usually the creditor simply can't be bothered, and to avoid there obligations, simply disguise non compliance by selling the account !!!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-letter0 -
looking good then DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k :eek: Now debt free and happy :j0
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Response received from PRAt group today. Returned my £1 postal order.
They will request information from original creditor. Will suspend collection activity pending response from original creditor.
Big list of what they have to supply us, and what they don't have to supply us.
Lot's of information about if the debt is unenforceable it's still owed and not paying will affect credit reference files, likely to register default etc. etc.
Says they can still sell the debt on even if they cannot produce paperwork plus lots more information I already am aware of...but they have to do their job and inform us.
No response to second letter sent to MBNA....but they sold it so they won't care DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k :eek: Now debt free and happy :j0 -
Again, to be expected. Seems likely you will have await a copy of what MBNA sent, and then reply the same way again if it does not comply with what is required under s78.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Worth a read: https://consumercreditlitigationanddebtcollection.wordpress.com/2016/01/16/16-days-into-2016-and-what-a-start/Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Hi Fermi
Your link takes me to a blank webpage
DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k :eek: Now debt free and happy :j0
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