CCA Questions

59 Posts
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
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
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Replies
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.
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.
More than a third of IVA`s fail....fact.
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