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Looking at a DMP
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Isn't there something about the CCA not existing if debts have been combined? I'm sure that @sourcrates mentioned it once.0
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Thanks for your replies, this has god me a little miffed as all the others have been plain sailing. I’m unsure what to do next with ACI and this inflated balance. These are the last 2 debts. Do I respond to ACI? I havnt even had a default yet for the 2 updraft loans .0
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Just put in the affordability complaint. Might take a time but if you win it's likely they'll have to stop reporting it on your credit record.If you've have not made a mistake, you've made nothing0
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Would I need to put an affordability complaint in with updraft? Or ACI? Thanks for your reply0
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Rob5342 said:Isn't there something about the CCA not existing if debts have been combined? I'm sure that @sourcrates mentioned it once.
They created an account that previously never existed, so there will be no credit agreement for the debt, no financial details regarding repayment, non of the terms and conditions will apply to it, it has been artificially created on their computer, so much is wrong with doing this.
Ask for the CCA, they won`t be able to provide one as there never was one.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter2 -
sourcrates said:Rob5342 said:Isn't there something about the CCA not existing if debts have been combined? I'm sure that @sourcrates mentioned it once.
They created an account that previously never existed, so there will be no credit agreement for the debt, no financial details regarding repayment, non of the terms and conditions will apply to it, it has been artificially created on their computer, so much is wrong with doing this.
Ask for the CCA, they won`t be able to provide one as there never was one.0 -
Fresh44 said:sourcrates said:Rob5342 said:Isn't there something about the CCA not existing if debts have been combined? I'm sure that @sourcrates mentioned it once.
They created an account that previously never existed, so there will be no credit agreement for the debt, no financial details regarding repayment, non of the terms and conditions will apply to it, it has been artificially created on their computer, so much is wrong with doing this.
Ask for the CCA, they won`t be able to provide one as there never was one.0 -
Fresh44 said:
I will ask for a CCA. Could they still be awkward and try home visits, court action whilst I’m asking for this?
So no, collection activity should pause whilst this is actioned.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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