any idea why RBS are taking their time to answer CCA request?

stu12345_2

myself and wife have debts with RBS bank, mines are loan and credit card, (wife has credit card debt, opened in 2013) mines being dealt with moorcroft. my debts had defaulted ages ago.

moorcroft supplied CCA and I make payments to moorcroft.

but my wife's CCA request went directly to RBS on the address on her statements, think it was town in south coast if England, arrears department.as her debt was never sold by rbs or dealt by a DCA

her RBS credit card is showing as active on her credit report,  but 2 months in arrears,don't know why. we had been paying on a dmp for nearly 20 months, until we came off it, in October, when we made the CCA requests.

she has paid nothing since October and not even had any letters at all from RBS.not even an acknowledgement.

she has proof the letter arrived, cos it went signed for , recorded delivery and was signed by RBS in October on delivery.

sourcrates

Companies do not always acknowledge receipt of CCA requests, this can be for various reasons.

Laziness, incompetence, bad management, or plain old forgetfulness.

Which of these reasons applies to your circumstances, is anyone's guess, you can send a reminder letter, but risk it being dealt with in a similar manner to the first one.

stu12345_2

well I guess it will default, then if they try to take it further, the defence is you never acknowledged or acted upon our request for a cca agreement .

I always wonder when folks defend a debt by stating the creditor wrote that the debt is unenforceable, what about stating the creditor never replied to state it was enforceable or unenforceable?

sending a reminder may only encourage them to look harder?

but I read that's if a creditor fails to respond, they are in default of the debtors request. as part of the consumer credit act rights of that person 

DjangoUnchained

stu12345_2 said:

well I guess it will default, then if they try to take it further, the defence is you never acknowledged or acted upon our request for a cca agreement .

I always wonder when folks defend a debt by stating the creditor wrote that the debt is unenforceable, what about stating the creditor never replied to state it was enforceable or unenforceable?

sending a reminder may only encourage them to look harder?

but I read that's if a creditor fails to respond, they are in default of the debtors request. as part of the consumer credit act rights of that person 

Agreed, it seems people are in too much panic if they dont get the CCA and want to chase it up. In my case i sent off a request, got a letter back saying they were waiting for it, and left it at that, didnt see the need to remind them.

stu12345_2

I always picture in my mind credit card staff rummaging through basements looking for  paper agreements.
but in reality we took our credit card out electronically , so you would think all it takes is the press of a button or two on a laptop and volla, there's the agreement.

maybe they got the request, then lost it somewhere in their departments.

but months to press a button.?  or are they too busy or understaffed , incompetent or lazy as suggested 

DjangoUnchained

stu12345_2 said:

I always picture in my mind credit card staff rummaging through basements looking for  paper agreements.
but in reality we took our credit card out electronically , so you would think all it takes is the press of a button or two on a laptop and volla, there's the agreement.

maybe they got the request, then lost it somewhere in their departments.

but months to press a button.?  or are they too busy or understaffed , incompetent or lazy as suggested 

I suspect most of the time they dont have access to CCAs how ever hard they try. Perhaps the debts are sold on cheaply on the condition the buyer doesnt hassle the debt seller for further info down the line. Obviously they wont tell the debtor this, but just keep them hanging on in the hope they will eventually just pay?

stu12345_2

maybe one day an ex credit card or bank
 employee will post here and explain exactly what goes on.

or someone make  a YouTube or channel 4 programme, bit like heir hunters!

like you said maybe they keep them hanging on on purpose, but you would at least expect an acknowledgement from a huge bank such as the RBS

DjangoUnchained

If they acknowledge it then they have to say that its unenforceable until they supply the CCA, if they dont acknowledge it they can hope you start paying or they can continue to hassle you.

stu12345_2

out of the  10 creditors we wrote to, only 2 have failed to acknowledge the recorded delivery letters sent 3 months ago are

RBS credit card debt£1300 , still showing as active and simply be catalogue for £43 also showing as active in credit report.

simplybe still send monthly statements stating you are now in arrears.

every other creditor has been on the ball in responding with our requests .

Tesco  credit was the fastest , in  10 days  with the CCA agreement sent special delivery ( where lazy postman put it thro letter box without knocking, so it never got my signature)