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what is meant when people talk about CCA ?
muppetscotland
Posts: 105 Forumite
Evening all - I see reference on various posts about CCA. . What does that mean and how can it help my in debt situation? I know of DMP and IVA - is it another version of that?
Travelling hopefully 🏃
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Comments
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muppetscotland wrote: »Evening all - I see reference on various posts about CCA. . What does that mean and how can it help my in debt situation? I know of DMP and IVA - is it another version of that?
No.
A CCA request is a process allowed under the consumer credit act to allow a debtor to request a copy of there original credit agreement pertaining to any running credit account, such as a loan, credit card, or catalogue account.
See here :
https://forums.moneysavingexpert.com/discussion/709639
Different rules apply dependant on when the account was opened, but in short, failure to comply can render an account unenforcable in court.
Suggest you Google "CCA request", and do some research !!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 -
OK thanks.Travelling hopefully 🏃0
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That thread is a bit old and although the sample letter in it is OK, further down it gets a bit iffy.
Best get info from National Debtline on this
https://www.nationaldebtline.org/EW/factsheets/Pages/gettinginformationfromyourcreditors/creditagreementadvice.aspx0
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