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CCA Questions

Hi
Two things, before starting our DMP I've sent off the CCA for my MBNA card. I've not heard anything back yet but it was only last week. I didn't send it by recorded delivery, just by normal first class post. If I don't hear back I wont know whether it's because they've not got it or because they're looking for the original agreement. Should I re-send after a while if I hear nothing? I've heard people normally get an initial acknowledgement from the company but not sure how long that takes.

Also, I've told Barclays we are in difficulties and they have written giving us the standard 30 days time when they wont bother us. I'm now wondering whether I should send the CCA off for those accounts but would now be bad timing? Should I wait until we have advised them of a dmp and are making token payments?

I worry a lot about timing.
Thanks,
Now Inspired

Comments

  • Suseka97
    Suseka97 Posts: 1,570 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Not all will acknowledge receipt of your request, so not hearing from them doesn't necessarily mean they've not received it. It a bit of a waiting game, just stop paying them and wait and see what happens - don't chase them.

    As for sending CCAs to Barclays - I'm not sure how successful people are when doing so with the original creditor direct. I would have thought they would hold all the necessary paperwork to prove a debt enforceable.

    My understanding of the 'CCA exercise' is that it's usually done when your account has been passed to a DCA and only after a period of time has lapsed. Folks use an unenforceable situation as leverage for discounts, or to stop paying and prioritise those that are enforceable. Its a personal choice.
  • sourcrates
    sourcrates Posts: 31,382 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 28 May 2018 at 10:25PM
    You can do it at any time as long as a balance is still outstanding on the account.

    I have known debts only 2 years old with non compliant paperwork, and also a 10 year old debt to one creditor who managed to produce the exact original document, so there is no clear cut path here.
    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-letter
  • Summer12
    Summer12 Posts: 108 Forumite
    Seventh Anniversary 100 Posts Combo Breaker
    I sent my requests before missing a single payment. You may well be surprised at just how little documentation original creditors can produce. Then you will know who to include in the dmp and who you can exclude (if that is your preference)
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