dlc cca request

meghji

Hi All,
Below is the text of letter received from dlc:



"Further to our previous correspondence regarding your request for information under the Consumer Credit Act 1974, please find enclosed documentation from the original lender as requested.

Due to the age of the account the original executed agreement is no longer available; however the enclosed "reconstituted" copy is sufficient to satisfy the Consumer Credit Act 1974 regulations.

The amount payable now as of the date of this letter is £......; your account is currently in arrears by this amount.

Your account will remain with our collections department for collection activity to continue. The demanding of payment is not considered enforcement and purely a step taken prior to the commencement of proceedings as in ruling in the case of McGuffick V RBS. Should you want to view the Judgment in its entirety, it is easily accessible via the internet.

Whilst we may not enforce the agreement, the monies remain outstanding and the underlying obligation to repay remains intact. The agreement or any monies paid has not been made illegal or void because of our current failure to supply a copy of the original agreement.

We look forward to receiving your offer of payment in due course. If you wish to discuss the account, please contact our collections department."

Am I correct in understanding that they can't enforce this debt.

Thanks for all your help

Mustafa

sourcrates

Yes, it's unenforceable !!!

Letter basically says, we can't enforce your agreement but please pay us anyway.

meghji

Thank you for the help