We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
CCA letters to debt collector.
Comments
-
That's not correct, Stu.stu12345_2 said:drafty loan is a payday loan.so I read the CCA doesn't apply to them. in the same way overdrafts are exempt as well
Payday loans are fully regulated under the CCA.
You are correct that overdrafts are different and you can't do a s77-9 request on those.1 -
do you mean dont write a CCA letter, or do you mean dont pay them regardless, cos they wont take me to court for £80?sourcrates said:On the other hand an £80 balance will not be top of the list for collection teams, not much profit in recovering that, honestly I would not bother.Christians Against Poverty solved my debt problem, when all other debt charities failed. Give them a call !! ( You don't have to be a Christian ! )
https://capuk.org/contact-us0 -
Both, concentrate on the important debts first, no one cares about £80, there is no value to anyone in attempting collection of it, a few texts maybe is all its worth to a DCA.stu12345_2 said:
do you mean dont write a CCA letter, or do you mean dont pay them regardless, cos they wont take me to court for £80?sourcrates said:On the other hand an £80 balance will not be top of the list for collection teams, not much profit in recovering that, honestly I would not bother.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 -
wierd how drafty passed it on to credit resource solutions, then credit resource solutions put it back to drafty the other day,cos of being "time barred" whatever that means, ive made £5 a month for 15 months to them.sourcrates said:
Both, concentrate on the important debts first, no one cares about £80, there is no value to anyone in attempting collection of it, a few texts maybe is all its worth to a DCA.stu12345_2 said:
do you mean dont write a CCA letter, or do you mean dont pay them regardless, cos they wont take me to court for £80?sourcrates said:On the other hand an £80 balance will not be top of the list for collection teams, not much profit in recovering that, honestly I would not bother.Christians Against Poverty solved my debt problem, when all other debt charities failed. Give them a call !! ( You don't have to be a Christian ! )
https://capuk.org/contact-us0 -
It can`t be time barred if you were paying it, sounds strange that.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
-
But if they think it's time barred, why argue with them?1
-
time expired, was the exact phrase, it has been on a dmp for 15 months approxChristians Against Poverty solved my debt problem, when all other debt charities failed. Give them a call !! ( You don't have to be a Christian ! )
https://capuk.org/contact-us0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.8K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards