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You never get what you request within the 12 day timeframe, its just a guide anyway, chances are in a couple of months they may be able to produce it, wait, don`t do anything yet, if 6 months down the line you still haven`t recieved anything, then make your move.
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 -
Hm so there’s a chance it will be found.
I’ve stopped payment which is due to come out tomorrow but I’m sure Wescot will try chase the debt for them I will just send them a copy of the letter and no more.
the debt is a Halifax loan taken out in 2016, It paid an original loan I was paying Halifax for from a few years previous and to try and consolidate other debts as a last ditch attempt to get control on my finances which failed. My question is would they need to find the CCA of the newer loan or the one it consolidated or both ? You time is appreciated and your patience !
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Newer one, the loan could have been used for any purpose.
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-letter1
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