CCA Requests

[Deleted User]

Hi

I have several debts over 6 years old which have been serviced with a DMP from StepChange.

I sent the credit agreement letters off at the beginning of August and this is the response I got

1 x letter from Next sending me an old photocopy of a blank CCA agreement with no details on, account opened in around 2004 with a balance of £200 approx owing saying this is a true copy or some rubbish like that

1 x letter from Lowell regarding a Lloyds debt saying they have requested the agreement from Lloyds and it should arrive within 40 days, still no follow up letter, and no agreement. Debt over 6 years old no longer on credit file and default date was ages ago.

2 x Letter sent to 1st credit for debts over 6 years old and no longer on credit file (defaulted years ago). No response from them.

1 x Letter sent to Cabot for debt over 6 years old and no longer on credit file (defaulted years ago). No response from them.


I only sent through royal mail first class delivery, didnt do signed service, have I wasted my time. Should I send the letter again ? We have been servicing these debts through a DMP for over 6 years. Or should I send a different letter ? Looked on the National Debtline website and got confused.

Many thanks

sourcrates

You have followed the correct procedure, the debts that have not responded, are currently unenforceable until you do get a response.

It can take some time as they must go back to the original creditor for the information.

Send a reminder letter if nothing after a month or so.

The next one sounds as though it's not a compliant agreement, the prescribed terms should be there, and it sounds as though they are missing, not to mention your missing details.

[Deleted User]

Thankyou. As it has been over a month and I gave them 12 days to respond, should I be sending another letter ?

How will StepChange react if I say I am no longer servicing these debts until I have a CCA ?

One of my debts on the DMP is a student loan grant overpayment which I should have challenged but never did, I want to continue paying this for now until I feel well enough to contest it as I know they will be difficult. Not sure what to do really.

Can I just ask them to pay some of the debts or is it time to go it alone - which I dont really want to do, how do StepChange view CCA processes ?

sourcrates

Well I'm no expert on stepchange policy unfortunately.

I can only go on what others have done, and that's usually to remove the debt from the DMP altogether.

The 12 days to produce a CCA, are only guidelines, as I said it can take a lot longer, by all means send a reminder, but the ball is firmly in their court now.