Lets All Ask For Our Cca!

stapeley

I would not worry about the post box thing , if they want to do it by post box thats there problem . If you look at the P O website you can track your letter , so if it,s marked as being delivered a certain date , work from that date .

BluePanther

I have two DCAs who I have been paying for a couple of years now. After reading this thread I shall write to them to ask for a copy of the CCA.

I have CCs, a loan and an OD that have not yet been passed to a DCA. For each, should I request a copy of the CCA? In the letter should I include the sentence 'I do not acknowledge any debt to your company...'?

Thanks.

stapeley

I not sure how things will work out if its still with the OC , they are more likely to have the correct paperwork . Its when the account has been sold on afew times that the paperwork is likely to be wrong or missing .
I, m preparing to send the second letter , to arrive on FRIDAY .It will be a month + 12 days . So unless i recieve the correct paperwork tomorrow or Thursday , the account will only be enforceable if they get a court judgement . To which i will defend on the grounds of non Conpliance to the CC ACT

BluePanther

Thanks stapley. Perhaps I should request a CCA from the OCs nonetheless; I cannot see it being a detrimental step to take, and just maybe they will not have the paperwork.

I discovered on the CAG forum that an OD is not covered by the act, so no point writing to that OC.

Today I sent a CCA request to each DCA. When does the clock start ticking?

smashedbooboo

from the minute they receive it.

stapeley

hello , latest update ! Still not recieved anything on my first request so 2 second letter in post tomorrow ! But have recieved a copy of a APPLICATION FORM , from a second request . No where does it say CC AGREEMENT . there dealine is 17th of FEB . question is should i repeat my request for a CCA or presume this is all they have and wait till the deadline ??

stapeley

I correct myself , on top of the single page it has in large capitals,SKYCARD APPLICATION FORM. underneath that it says Credit Card Agreement regulated by the Consumer Credit Act 1974

stapeley

thankyou , i will hold fire, and second letter them after the time limits up .

artnoble

i sent off my cca request yesturday and grrrr realised when i got home from the post office i didnt put the £1.00 cheque in.

we'll have to see what happens.

stapeley

Not valid repeat and put £1 in . If it ever went to court ,which i doubt you must show YOU did everything correctly. good luck