Question re CCA Request

stu12345_2

think if you can upload the CCA letter they sent. maybe someone can check or you just pay slowly until you can chuck more money in eventually and even get a tiny discount in the future from them

Sly72

stu12345_2 said:

I have done CCA requests with original lenders that haven't sold my debts on awaiting results. I suppose once nationwide debt is paid you can chuck more to pra,or are both debts designed to end at same time on plan.
I would still suggest uploading what pra sent you as some moderators may be able to inspect what they sent you 
just blank off your name and address.
did the cca come with all the terms and conditions interest rates .your correct name and address etc

handy hint if you register with the PRA website you can go on and setup how much you want to pay, without having talk to them. So you could set it to £80 per month or lower your choice.

Rob5342

Sly72 said:

stu12345_2 said:

I have done CCA requests with original lenders that haven't sold my debts on awaiting results. I suppose once nationwide debt is paid you can chuck more to pra,or are both debts designed to end at same time on plan.
I would still suggest uploading what pra sent you as some moderators may be able to inspect what they sent you 
just blank off your name and address.
did the cca come with all the terms and conditions interest rates .your correct name and address etc

handy hint if you register with the PRA website you can go on and setup how much you want to pay, without having talk to them. So you could set it to £80 per month or lower your choice.

You don't even have to do that. Just send them.an email saying what you will be paying, job done.

poppasmurf_bewdley

stu12345_2 said:

off to post office to send my last two CCA letters to tiny debts.send the big CCA letters last week recorded delivery.royal mail showed them tracked and signed for !!
I put a cheque for £1 in each letter with my name and consumer debt account number on the back 
here's hoping I get good replies but all should state on hold in initial replies from them.

There is a reason for advising you to use a Postal Order rather than a personal cheque for these £1 payments.  A personal cheque gives them a copy of your signature and many other details which the more dubious of these companies could use to concoct fake CCA documents. You've even given them account numbers!! 

stu12345_2

they need my account  reference numbers in order to search for my credit agreement .

I don't get your point.

RAS

It is not unknown for credit companies to cobble together a reconstructed CAA using the signature on a cheque or letter. Possibly less likely today but has been done, even when the signature wasn't one used by the borrower at the time they opened the account.

Plus, blank postal orders usually get returned and can be reused by yourself.

sourcrates

But as there is no requirement for a copy credit agreement to be signed, its a bit of a mute point these days.