CCA request - 8 months on nothing.....

dobbollah

I made a CCA request to a company back in May 2015.

They wrote in August acknowledging my request stating they could not provide it and would not chase collection (which they haven't)

The amount in question is £7,777 so no small amount so I can't for one minute imagine they will simply do nothing....

The default date was December 2010 so from a credit file perspective they can't do any further harm

So what is a likely outcome moving forward?

If they provide the paperwork I have to pay

or

no paperwork = no enforcement to pay

Next payday I'll have cleared my final account so will be unofficially debt free......which is awesome after a 7 year slog to reach this point so far.

Do I just sit tight for the rest of my life and hope they never provide it....?

sourcrates

dobbollah wrote: »

I made a CCA request to a company back in May 2015.

They wrote in August acknowledging my request stating they could not provide it and would not chase collection (which they haven't

Hi,

The letter you received containing the above should be kept in a safe place.
They have said they won't chase it, that tells you all you need to know.

They won't do anything, they can't.

There is a chance they may sell the account on in the future, in which case you send them a copy of that letter stating the debt is unenforcable.

I can assure you they won't be actively looking for your agreement.

We've been here before haven't we ?

You seem to take some convincing, so in an attempt to put your mind at rest, I'll share this with you, probebly told you before anyway, but I had a similar account, creditor could not provide CCA, this was a 2008 debt as well, they sold it to Cabot, sent Cabot a copy of there letter stating no CCA, two days later account had been returned to OC.

Have not heard another thing from them since that date, and the account would now be statute barred.

You just gotta roll with it, if, they manage to produce it at sometime in the future, you'll have to deal with it, personally I think you'll never hear from them again.

dobbollah

So the statute barred aspect, from the point I made the request, would that be the point I started my 'statute barred' clock.....

up until the point of the request I was making payments

The debt is already with a collection agency but I guess they could sell it on to another......

sourcrates

Yes, from the date of the last payment.

But that is irrelevant to be honest for now, the fact they cannot enforce the agreement is the main focus at the moment, yes it will tarnish your credit file until it drops off, but if you can live with that, then it's a small price to pay.

I know your thinking, how can they just leave a 7k debt ?

But that's the way the dice fall, I would accept it, say thanks, and move on !!!

fermi

It sounds unlikely they or anyone else will be able to produce anything, or that anything they did would be enforceable. But never say never as they say, odd things do happen sometimes.

As said, a more certain end is when it could become statute barred. From what I have read of others having to wait these issues out, that is the ultimate end point unless you receive any binding guarantee that the account has been written off and cancelled with an undertaking to not sell or pass it on.

dobbollah

cool thanks all, well if falls off the credit report in December this year, I'll just keep my fingers crossed for the next 5 and a half years :-)