Link reply to CCA - "Give us 6 weeks"

runforlife

So Link Financial have replied to my CCA request for a debt originally held with MBNA. Here's my understanding of the situation.

• The debt still exists. 
• It is no longer on my credit report as the default was dated in 2014. 
• They have been unable to find the original CCA document so the debt is unenforceable. 
• The debt could be enforceable if MBNA eventually produce it. 

I am still waiting for Link to reply re Barclaycard and Cabot re Natwest to CCA requests sent on 3 March. 
Any thoughts on what to do next? 

DjangoUnchained

ive been waiting 4 years for my CCA, im in no hurry, not paying anything, hope i never get it, 2 years time its statute barred.

runforlife

Did you stop communicating with them after the CCA request?

DjangoUnchained

runforlife said:

Did you stop communicating with them after the CCA request?

Yes, ive made no contact with them. They however still send me a statement every few months and a 20% discount if i want. They also emailed me for a while but it required logging on to their site which i think may be a trick to get me to "acknowledge" the debt, so i ignored it. I will just sit tight for 2 years unless they can come up with the CCA. Im hoping if they havnt managed within 4 years theyre unlikely to now but you never know.

sourcrates

runforlife said:

Did you stop communicating with them after the CCA request?

What is it you want to say to them ?

Until they produce the CCA, there is nothing to talk about.

runforlife

sourcrates said:

runforlife said:

Did you stop communicating with them after the CCA request?

What is it you want to say to them ?

Until they produce the CCA, there is nothing to talk about.

I'm going to wait a while longer to see what they can find but we are hoping to move address in the next few months. Should I tell them if I choose to stop paying?

runforlife

A further letter arrived today regarding the Barclaycard debt. Interestingly it wasn’t an exact replica of the other one, though said pretty much the same thing. Nothing from Cabot yet though. 

runforlife

Cabot have spoken! They too have been unable to find either CCA agreement. I will post their letter too, for reference for anyone interested. Interestingly they quote "12 days" in their letter! Hmmm....

runforlife

Cabot letter

sourcrates

There isn’t a debt collector, or debt purchasing company in the world that has any of their customers credit agreements on file.

The original creditors always retain the paperwork, hence why they have to request it from them.

Neither they nor you will know if it’s enforceable until said creditor responds.

Great system eh !!

DjangoUnchained

Love the way they laughingly ask you to continue to make payments while they deal with your request. Tell them to f off until they have sent you the CCA