Lets All Ask For Our Cca!

Tootsie_Roll

debt_doctor wrote: »

How strange that the debt collection agencies dont like people to be aware of their legal rights.

I can't speak for any dca or lender however I fully support the legislation in this regard - it is where that legislation is abused that I have a problem with. So far no-one has come up with any defence against my claim that it is purely a debt avoidance tactic - really very telling.

rog2

Tootsie_Roll wrote: »

I can't speak for any dca or lender however I fully support the legislation in this regard - it is where that legislation is abused that I have a problem with. So far no-one has come up with any defence against my claim that it is purely a debt avoidance tactic - really very telling.

Could you. please, direct me to any post, either in this thread, or any other, where any poster has suggested that the Consumer Credit Act, 1974, should be used purely as a 'debt avoidance tactic'?

stapeley

I thankyou all for comments good and bad . Another day has passed ,nothing in the post so its 14 days to go. If this POST helps just one person to rid themselves of the worry of unknown debt, it has been worth it!
About a year ago I had a demand letter for £ 260 from a company in Ipswich . It said it was for a CREDIT CARD , there was expensive rate number to call. I looked up the company name on the net , turned out to be a rogue company ! I wrote back to them saying name on letter was not correct , i use a middle name , and asked for proof . Heard nothing since !
So again I SAY EVERYONE SHOULD ASK FOR PROOF .
LETS ALL REQUEST THE CCA !

stapeley

Another point I would make is , when the question of bank charges came up , i along with thousands of people , I thought NO WAY, would this happen . But having recieved a full refund of £850 , I say well done to the bloke who advised us to ASK !

Tootsie_Roll

rog2 wrote: »

Could you. please, direct me to any post, either in this thread, or any other, where any poster has suggested that the Consumer Credit Act, 1974, should be used purely as a 'debt avoidance tactic'?

Every single time you suggest that someone should apply for a copy of their CCA when they do not dispute the debt.

rog2

Tootsie_Roll wrote: »

Every single time you suggest that someone should apply for a copy of their CCA when they do not dispute the debt.

I see that you are unable to give any specific examples, TRoll, because there are none.

Yet again, TRoll, you have decided to use an otherwise informative thread to vent your 'vitriol', not only as a personal attack on me, but as a 'threat' to anyone who dares to stand up to the 'bullying' tactics of the lowest echelons of the 'debt collection' mafia, that you represent.
In trying to 'deny' posters of their rights, under the Consumer Credit Act, 1974, it is you who is in the wrong, and you know it, but are worried that more and more 'alleged debtors' will become more aware of their rights, thereby eating into what has, until now, been the 'easy pickings' that you, and your ilk, have made out of the misfortune of others.
It will, I am sure, come as no surprise to you, that I have reported your post as abusive.

hitback

Tootsie_Roll wrote: »

How I laugh when I read your rants :rotfl: :rotfl:

- anyone who knows full well that the debt is theirs and applies for a copy of the CCA is hoping that the lender will not be able to provide one so they can get away with not paying - really very simple.

Not sure I would agree with your generalisation! I was advised to request a copy of the CCA by Debtline, not because I hoping to get away with not paying the debt, but to prove that it is not subject to charges and interest

purpledelly

anyone who knows full well that the debt is theirs and applies for a copy of the CCA is hoping that the lender will not be able to provide one so they can get away with not paying - really very simple.

I've never seen anyone on here suggesting that. But even if you acknowledge a debt of some kind, it doesn't mean that it is legally acceptable for companies to pass around both the debt and your personal information without the right paperwork. As Rog says - that is THE LAW - the DCAs must have the right paperwork so everyone knows where they stand. Otherwise what's to stop the DCA just collecting as much as they feel like and it being never ending? How are you supposed to know what the interest rates are (if any) how much debt you still owe, how long it will take to pay back etc etc if they don't have both the CCA and order of assignment (in order to be legally allowed to collect the debt) and regular statements?

So far no-one has come up with any defence against my claim that it is purely a debt avoidance tactic - really very telling.

Well that's because if the DCA can't provide the paperwork to which people are legally entitled then why should they pay?? Why should they be morally obliged to pay something which legally they don't have to? Maybe it will make DCAs a bit better at keeping within the law.

rog2

Tootsie_Roll wrote: »

As I mentioned - pick any one of your posts where you encourage someone to request their CCA when they don't dispute their debt and I will show you evidence of an attempt at debt avoidance.

I suggest that you are unable to give a specific example because I have never advised anyone to request a true signed copy of the original consumer credit agreement as an attempt at 'debt avoidance.

Tootsie_Roll

rog2 wrote: »

I totally agree, stapeley. It is a 'couple of quid' well spent. If the creditor or DCA does not provide the information within the legally allowed time frame, then, whatever happens, that 'debt' can only be enforced if the creditor/dca applies to the courts for an order, which is unlikely to be granted once the 'debtor' informs the court that he/she requested the cca and it was not supplied within the time frame.
Even if the creditor/dcadoes come up with a true copy of the original signed cca within the legally allowed time frame, this can also show if the 'debt' is statute barred. At the very least, the 'debtor' will be better equipped to 'deal with the alleged debt'.

How about this one then ?