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CCA not received, now sold
zenshi
Posts: 1,142 Forumite
After checking through my files, One of my accounts hasn’t acknowledged my request for CCA. Will double check if they cashed the cheque. This was requested 18 months ago, I know I should have chased it up sooner.
Anyway, the debt has now been sold on, should I request again by writing to the new owner? I have some money put by that I can offer a settlement but want to check if I have any clout first
Anyway, the debt has now been sold on, should I request again by writing to the new owner? I have some money put by that I can offer a settlement but want to check if I have any clout first
LBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,764
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,764
0
Comments
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After checking through my files, One of my accounts hasn’t acknowledged my request for CCA. Will double check if they cashed the cheque. This was requested 18 months ago, I know I should have chased it up sooner.
Anyway, the debt has now been sold on, should I request again by writing to the new owner? I have some money put by that I can offer a settlement but want to check if I have any clout first
No, don’t request it again, you have serious clout, the ball is firmly in the creditors court.
Non compliance with a CCA request renders that debt unenforceable until they do comply.
Write and tell the new owner of the breach by the previous creditor, it’s likley they will return the debt to them.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 -
Surely the original creditor won’t buy it back?
I will see if I can find out if the cheque was cashed as otherwise I have no proof they didn’t comply. I have a feeling it was the old bank account that I closed and prob haven’t kept old statementsLBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,7640 -
Surely the original creditor won’t buy it back?
I will see if I can find out if the cheque was cashed as otherwise I have no proof they didn’t comply. I have a feeling it was the old bank account that I closed and prob haven’t kept old statements
That’s the normal procedure, as there is nothing else they can do with an unenforceable debt.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 -
I know you’ll advise me to stop paying them. My big concern if I do and they return it to OC, them I may shoot myself in the foot as that’s who holds my mortgageLBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,7640 -
I know you’ll advise me to stop paying them. My big concern if I do and they return it to OC, them I may shoot myself in the foot as that’s who holds my mortgage
Just telling you the facts, it’s up to you what you do with the information !!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 -
I know and I appreciate it. It’s the first time ive actually challenged a creditor, so just nervous I guessLBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,7640
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