Getting on top of it all

tifo

sourcrates said:

As your accounts are all fairly recent, and I assume they were taken out online, then digital copies should not be hard to produce.

CCA is best used as a tool to decide on older paper agreements enforceability, but you never know do you.

When i  used to deal with my creditors many years ago, most would send a current blank 'agreement' (just the terms really) and say "here you are, this is what you agreed". Some would have my details on except the signature, as that would've been on the original paper agreement.

robinsonad86

Morning, as expected PRA have rejected my offer. They offered a slight discount around £50 off the current balance. As it is unenforceable I will be taking Sourcrates advice and ignoring it and see if they may be more willing to negotiate when they are receiving nothing towards it

robinsonad86

Back looking for some more information please.

It has now been over 3 months since I sent CCA requests to all my creditors I have had the following replies confirming enforceable debts:
Intrum UK (Lendable) 
Link Financial (Newday Loan) Found the paperwork and this is now enforceable
Aqua/Newday CC 

PRA have confirmed the debt is unenforceable but not accepted an offer for F&F so I am not paying anything to them

Virgin Money/Yorkshire Bank have sent partial paperwork and claimed to be awaiting the rest however I have had nothing else and no confirmation of enforceability.

The three below have all failed to reply so far, I know legally there is no timeframe for responding to a CCA request however surely 3 months is a reasonable length of time to expect a reply? I am just wondering if I would have grounds to cease payments to these accounts or the best way to handle these now. I am tempted to throw the above Virgin account in with these as they have sent no definitive answer either way

Intrum UK (Tesco)
Lowell (Capital One)
NCO (Very)