Lets All Ask For Our Cca!

rog2

kencokenco wrote: »

Hi can anyone direct me to the right forum or posts to request a copy of cca. As I have a debt with a dca who even though I pay them keep putting charges onto the aco!!!!, the original debt was £430 and now despite paying £10 weekly it is now £805.78 HOW COME? I asked for a breakdown of how they came to the decision to which I was told put it in writing. Needless to say the dca is called MOORCROFT. They are pure evil. Even sending round there own doorstep collector who I promptly told to F***OFF. He was banging the door like mad scaring my children, as a single mother I was so annoyed I told him to go away or I would phone the police. To which he shoved a note through the door saying when I wanted to discuss payment phone him. the nerve of it.
Please any help or guidance please.

Ah - MOORCROFT :rolleyes: How unsurprising, kk. The link is in post 34, on page 2. :beer:

kencokenco

Thankyou for that, I go look now.:beer:

stapeley

Thankyou everyone ! If this thread helps just a couple of people , it will have been well worth it!!!!!!!!!!!!

Tootsie_Roll

Unless there is some confusion over whetner the debt is actually yours there is no reason to request a copy of the CCA UNLESS you are trying to avoid repaying back what you owe - plain and simple.

Anyone who supports and encourages this IS SUPPORTING DEBT AVOIDANCE.

rog2

Tootsie_Roll wrote: »

Unless there is some confusion over whetner the debt is actually yours there is no reason to request a copy of the CCA UNLESS you are trying to avoid repaying back what you owe - plain and simple.

Anyone who supports and encourages this IS SUPPORTING DEBT AVOIDANCE.

The right to request a true copy of the original consumer credit agreement is ENSHRINED IN BRITISH LAW as is the obligation of the Creditor, or his agent, to supply that document, which must comply with the requirements of the Consumer Credit Act 1974, in order to be legally enforceable.

Requesting a true copy of the original signed consumer credit agreement is not a means of trying to avoid legally enforceable debt.

Requesting a true copy of the original signed consumer credit agreement is excercising your legal right.

debt_doctor

Well done Rog2.

How strange that the debt collection agencies dont like people to be aware of their legal rights. I always make absolutely sure that my clients are aware that debt collection agencies have NO POWERS WHATSOEVER - ALL THEY CAN DO IS ASK YOU TO PAY. The only body that has any power is the county court.

Bearing that in mind,perhaps we shouldnt be surprised that they resort to deny people their legal rights and bully people to the depths of despair.

The use of the CCA in confirming liability is used throughout the debt advice industry and is endorsed by the Institute of Money Advisers oh, and of course, the LAW !

DD

rog2

kencokenco wrote: »

Needless to say the dca is called MOORCROFT. They are pure evil. Even sending round there own doorstep collector who I promptly told to F***OFF. He was banging the door like mad scaring my children, as a single mother I was so annoyed I told him to go away or I would phone the police. To which he shoved a note through the door saying when I wanted to discuss payment phone him. the nerve of it.
Please any help or guidance please.

This type of behaviour, from MOORCROFT, is quite frankly simply not acceptable.
Not only does it run contrary to the OFT Debt Collection Guidelines, in relation to 'Home Visits' http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf which, in itself, would be sufficient reason to report them to the Trading Standards Office, who have the power to 'revoke' their licence, but is intimidation, bordering on to harrassment, which is illegal and should be reported to the police.

stapeley

Thanks DD , i now have 15 days to go !

stapeley

Anyone who has had a debt "passed on" to a collection agency,will know if you contact the orginal lender, the response is ,"we are no longer dealing with this account". In other words "we have sold it to a collection company at a fraction of the amount owed, and have no wish to be involved with their collection methods !" So if i then ask for deeds of Assignment and a copy of the orginal CCA , I am well within my rights . If they then do not provide this imformation , I am again well within my rights to use the C C Act .
So if these companies threaten to use court action , but then are unable to provide the correction paperwork , I reserve the right to use the C C ACT against them ! HAVE A GOOD NEWYEAR

rog2

stapeley wrote: »

So if i then ask for deeds of Assignment and a copy of the orginal CCA , I am well within my rights . If they then do not provide this imformation , I am again well within my rights to use the C C Act .
So if these companies threaten to use court action , but then are unable to provide the correction paperwork , I reserve the right to use the C C ACT against them !

Of course you are 'well within your rights' to use the protection that THE LAW affords you - good luck.