Any CCA Success Stories?

poppasmurf_bewdley

Balmain wrote: »

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?

Write to them, telling them that until they can produce the CCA you will be making no more payments. They will, in all probability, write back informing you that the money is still owed (which technically it is) and you should continue to make payment. You can then safely ignore them until they produce the CCA. In all probability you will either never hear from the again or they will write and tell you that the debt has been written off, which is what happened to my friend I mentioned earlier.

Good luck.

Balmain

My reply from idem includes the paragraph,

"The balance of the account is still outstanding and we will continue to pursue this debt which will include registering any arrears and defaults with the credit reference agencies. We can confirm the balance of your account of £413 remains due payable and we will continue to contact you to discuss repayment proposals."

I just want to double check, since I defaulted in 2011 and the this is about to drop of my credit file, there is no way they can add anything which will adversely affect my credit file now?
Also, is there a sample letter that I can copy to send to them saying I will be making no further payments and please make all future communications in writing.
Apologies as I know these questions have been asked a million times already but I want to make sure I'm doing this properly.
Thanks in advance.

sourcrates

Once the default has gone, it's gone.

You only need send a short letter, something along these lines :


Dear creditor,

As you have failed to comply with my sec 77/79 request for information this account is now unenforceable in court, and I shall not be making any further payments to it.

Yours sincerely

joeyf101

I just read this interesting blog post by a solicitor... It basically says that the onus is no longer fully upon the lender to prove enforceability. My guess is that collection agencies who have bought debt from the banks are less likely to take you to court and more likely to accept a settlement. In short, unenforceable does not mean you Get Out Of Debt Free, but hopefully it will encourage them to accept a settlement... I just got two unenforceables back so we'll see...

https://paulatwatsonssolicitors.wordpress.com/2013/05/30/a-point-of-interest-that-arose-today/#comments