DMP Mutual Support Thread - Part 12

sourcrates

vaper wrote: »

How old do cc' s tend to be where paperwork isn't available, or does it just vary from lender to lender?

Varies, some lenders are more incompetent than others.

I've seen debts only a few years old, where the lender has been unable to comply with a CCA request, not even held enough info to produce a recon copy.

Then I've also seen debts 20 years old produce a valid agreement, so there is no rhyme or reason to it.

sourcrates

motivated wrote: »

Hi all

I have just received CCA paperwork from one of our BCs. To be honest I don't even know what I'm looking for

It says it's a "reconstituted copy of your credit agreement, a copy of the terms of the agreement as varied in accordance with section 82 (1) of the act has been ( or will be shortly) sent under a separate cover.

Enclosed:
short form cancellation
Historic terms and conditions
Varied terms and conditions

To say I'm confused is an understatement. Can anyone shed any light please
M

A recon copy is perfectly acceptable as long as the *prescribed terms are also there (* this applies to pre April 2007 agreements only).

They should be accurate, they should be legible.

Doesn't matter if it's not signed.

motivated

sourcrates wrote: »

A recon copy is perfectly acceptable as long as the *prescribed terms are also there (* this applies to pre April 2007 agreements only).

They should be accurate, they should be legible.

Doesn't matter if it's not signed.

Thanks Sourcrates
One page which is printed back to back the writing is so small I can barely read it. Also am I right in thinking they will send me a breakdown of the account etc. Like a statement of the whole account?
M

S1Ebbz

Just to confirm a default sum added to account is normal on DMP. Barclaycard have made no communication regarding re payment offer with me although Stepchange have sent them info and two months payment

This is normal to get the letter saying pay in full. What happens if next its a CCJ

motivated

Sorry for being a numpty but on the CCA paperwork I've received today they have put my credit limit and the balance outstanding on the first written letter. Just 2 lines and It states that "this is a statement of my account" is this correct?

I thought I would be receiving more.
M

unicorndeva

Just had a letter back from Cabot saying Nram are unable to produce the requested CCA, therefore the account is unenforceable and they will no longer be chasing this debt.
I'm absolutely over the moon as this is our second largest debt nearly £14k
:j:j:j:j:j:j

[Deleted User]

unicorndeva wrote: »

Just had a letter back from Cabot saying Nram are unable to produce the requested CCA, therefore the account is unenforceable and they will no longer be chasing this debt.
I'm absolutely over the moon as this is our second largest debt nearly £14k
:j:j:j:j:j:j

Wow, what a result:j:beer:


I'm wishing my life away waiting for the postman's visit every day. I'm not sure whether every day that passes without a CCA response is good or bad:think:

unicorndeva

'Wow, what a result


I'm wishing my life away waiting for the postman's visit every day. I'm not sure whether every day that passes without a CCA response is good or bad'

No CCA's back is good. It renders the account unenforceable until such time as they can provide the credit agreement, and they have to suspend collection action on the account.

Julie67

unicorndeva wrote: »

Just had a letter back from Cabot saying Nram are unable to produce the requested CCA, therefore the account is unenforceable and they will no longer be chasing this debt.
I'm absolutely over the moon as this is our second largest debt nearly £14k
:j:j:j:j:j:j

Fantastic result, Cabot are our biggest creditor, really hoping for the same outcome!

motivated

Me again

I have just received a letter from MBNA regarding the CCA request. They have sent me a print out of MBNA terms and conditions. Nothing else.
There is no mention of credit limit, balance outstanding or any sort of statement. I did wonder as I have online statements. Would this matter?
Surely this can't be right?
What's the next step please
M