Is this a CCA?

Fernigan

Hi all,

Hoping someone can advise if this s in fact a CCA? I'm advised by the DCA that it is but it doesn't appear to meet requirements, having never seen a proper CCA I wouldn't know one to see one. The card in question is from 2016.

Page 2 redaction is my name and address at the time, below that it mentions U Switch was the source of application - I never had a uswitch account until 2019 and that was only for a utility switch.

Page 14 the statement of account is a statement from Cabot detailing some initial payments to them not anything from Virgin Money.

Can anyone please advise? I assumed this wasn't so have not contacted Cabot. Prior to receiving this "CCA" in July I had offered a 5% F+F and this was rejected. I haven't made any contact since.

They have recently got more aggressive in the last few weeks and today I received a letter suggesting they will look to recover the amount by other means which may include doorstep agents coming to my home to discuss my situation if I do not reply within 9 days.

This does worry me slightly as I have bad anxiety and a young family at home, whilst I know these agents have zero power, my family do not need to be subjected to it and frankly I already have my share of sleepless nights with a baby! Links;
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sourcrates

Hi,

Looks ok to me, there is a great misconception about what exactly a creditor must provide under a section 77/79 request.

As long as the main financial information is there, it’s readable, and it pertains to your account, then they have complied fully.

No signature is required, I see nothing untoward here.

WhenIam64

This does worry me slightly as I have bad anxiety and a young family at home, whilst I know these agents have zero power, my family do not need to be subjected to it

What is your strategy for dealing with it? Are you hoping to ignore so that it times out after 6 years and how long do you have to go?

Have you taken advice from a debt charity e.g. Stepchange in case there are other debts to be considered and paying Cabot would just cause issues with other creditors - plus your family.

Fernigan

Thank you, I understand no signature required, I do note that it's not dated and no mention of a credit limit?

In regard to strategy, this forms part of a wider DMP that I am self managing.

The statement of account provided did not show any virgin statements only some initial payments to Cabot - does this matter?

I'm in the process of trying to get a SAR from Virgin to check statements, interest and any charges made to the account. Having a bit of trouble getting them to provide me the information so going to send a written request.

Is it worth informing them/starting a token payment with Cabot whilst I do this?