Any CCA Success Stories?

joeyf101

I've just spent hours looking through various threads on CCAs but I haven't found any who have posted they had debt written off or F&F settled as the result of a CCA request.

I was about to send CCA requests to all of my creditors (all pre-2007) but have now got the willies after reading some get heavy with threats of court and cancelling payment plans.

Would love to hear some success stories...

sourcrates

Thousands of people have has success. Don't listen to rumers that are not true.

You are entitled to ask for a copy of your credit agreement at any time, as long as a balance is still due.

Making such a request has no bearing on how a creditor treats you, they are obliged to treat you fairly at all times, I don't know where you have got this information from ?

Personally I have had numerous accounts deemed unenforceable in the past because a valid credit agreement could not be provided, as have many others.

[Deleted User]

I had success with a catalogue company some years ago. They couldn't find my CCA but gave me a copy of what an agreement would look like ! They failed to comply so debt was unenforceable.

joeyf101

sourcrates wrote: »

Thousands of people have has success. Don't listen to rumers that are not true.

You are entitled to ask for a copy of your credit agreement at any time, as long as a balance is still due.

Making such a request has no bearing on how a creditor treats you, they are obliged to treat you fairly at all times, I don't know where you have got this information from ?

Personally I have had numerous accounts deemed unenforceable in the past because a valid credit agreement could not be provided, as have many others.

May I ask what the outcome was on the debts deemed unenforceable?

sourcrates

joeyf76 wrote: »

May I ask what the outcome was on the debts deemed unenforceable?

Nothing at all, the collection agency stopped chasing them, never heard from anyone again about them.

They are now statute barred.

poppasmurf_bewdley

I helped a friend of mine with a debt of £3800 owing to NatWest since 1993. He had been paying £10 a month off the debt since 2000 and knew nothing about CCA's until I showed him this forum.

Within three months the debt had been written off. And he still has the letter to prove it should the matter ever raise it's ugly head again.

Julie67

I requested my CCA's on 12th May. We have 6 creditors. So far 2 have written to say they cannot provide these and the debt is unenforceable. Still waiting on the other 4.

Balmain

I have been reading through all the other threads on this subject and have followed the advice on CCA's.
I started a DMP in 2011 and all my defaults are about to drop of my credit file. I have written to all the debt collection companies and asked for them to send me a copy of my CCA.
So far I have received the following replies:-

Cabot (MBNA cc £3k) :- They have asked for more time to find the CCA and have said they will write to me in 40 days. They are already over the 12 working days.
Cabot (MBNA cc £10,700) :- As Above
Moorcroft (RBS loan £12k) :- They are trying to get my CCA from RBS and have said they are not trying to enforce the debt but just get me to make affordable payments. They have asked me to call them. They are over the 12 days.
Debt Managers Ltd. (Next £485) :- They are waiting on Next getting back to them. They are over the 12 days.
Idem services (HSBC cc £470) :- Have admitted they don't have a CCA.

My question is, what is my next step if they have no CCA? Do I make a full and final settlement offer or just not pay?
Sorry if this has been asked before.
Thanks

sourcrates

Balmain wrote: »

I have been reading through all the other threads on this subject and have followed the advice on CCA's.
I started a DMP in 2011 and all my defaults are about to drop of my credit file. I have written to all the debt collection companies and asked for them to send me a copy of my CCA.
So far I have received the following replies:-

Cabot (MBNA cc £3k) :- They have asked for more time to find the CCA and have said they will write to me in 40 days. They are already over the 12 working days.
Cabot (MBNA cc £10,700) :- As Above
Moorcroft (RBS loan £12k) :- They are trying to get my CCA from RBS and have said they are not trying to enforce the debt but just get me to make affordable payments. They have asked me to call them. They are over the 12 days.
Debt Managers Ltd. (Next £485) :- They are waiting on Next getting back to them. They are over the 12 days.
Idem services (HSBC cc £470) :- Have admitted they don't have a CCA.

My question is, what is my next step if they have no CCA? Do I make a full and final settlement offer or just not pay?
Sorry if this has been asked before.
Thanks

Age old question, it's entirely up to you what you do.

No agreement equals no debt, it cannot be enforced through the courts, make slender offer, or walk away.

poppasmurf_bewdley

If they can't comply with the CCA request, then the agreement is null and void, and they can't enforce the case in court.

You can pay up if you want to - but you could also burn the money in a fireplace.

Balmain

Thanks for the quick replies.
Should I write to them and tell them they will receive no more money from me or just cut communications?