HELP - CCA advice please

fiveyearplan

Can anyone please point me in the direction of the template letter to ask for copy of original signed CCA? I'm planning on sending it to MBNA on husband's behalf. THey have been hounding ME on my mobile all day long so I've put my phone on silent. They are ringing me every 5 minutes.

ImStillAlive

Is this what your looking for?


The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other

If not look here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

It may be there

tigerfeet2006

Don't forget to send it recorded delivery and DON'T sign your usual signature, print your name.

I thought that if they called you more than 3 times a day then it was harrasment. You also need to send a 'please make all contact in writing letter' as well me thinks.

This is a link to NDL's article on harrasment. When you write you can quote the law to them
http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

betterlatethannever

Tiger, why not sign your name? whats the reasoning behind this? (just curious)

fiveyearplan

Thanks ISA, TF and BLTN. I've also heard about not signing. Yes, they are harrassing me and it isn't even my debt!

tigerfeet2006

betterlatethannever wrote: »

Tiger, why not sign your name? whats the reasoning behind this? (just curious)

Not saying they will BUT it is entirely possible for the [STRIKE]pond life[/STRIKE] lovely DCA's to copy the signature on to the correct paperwork!!

fiveyearplan

In the words of John McEnroe - "You can't be serious!"

debt_doctor

oooh ..... really ?:rotfl:

Im dealing with a creditor at the mo who has altered the amount borrowed on the agreement by £ 16000 !:eek:

ImStillAlive

fiveyearplan wrote: »

In the words of John McEnroe - "You can't be serious!"

"oh yes she can" well it is panto saeson:o :rotfl:

tigerfeet2006

DCA's are wonderful people aren't they.

I read on another forum that someone had signed the letter and the DCA had sent the paperwork to them all signed. But it wasn't the debtors signature it was the person who had signed the letter who wasn't the debtor :eek:

fiveyearplan

OMG! Is it a high street lender? I would have never believed any of this could go on but after having financial troubles myself and dealing with banks, credit cards and DCA's nothing surprises me anymore. Now I'm going to send out that letter to all my husband's creditors and see what comes back. So they have 12 working days to reply. I'll get that letter and £1 postal order sent hopefully monday and start counting down the days.