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Debt Settlement Letters Do I have to include a budget planner?
Comments
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You are the debtor, they are the creditor, they won`t have the CCA, it never leaves the original lender, they will have to go back to them to try to obtain it, so this may only be a temporary reprieve.Amberelli said:I've had a reply from the largest debtor and they don't have the CCA!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 -
While they cannot supply the cca it is unenforceable under s 77-9 CCA
To stop paying is good advice. For now, enforceable debts take priority. After six years of no payments the debt becomes unenforceable under Limitation Act 19801 -
Haha thanks so much - actually he DID bring me a coffee this morningRAS said:Presuming that's not covered by a charging order? Stop paying. They may find it in a few months or years, or may just put it in the "not worth the effort" pile and sell on.
Concentrate on the charging order and stop paying everything else.
P.S Hope he gives you a huge hug and brings you a cuppa in the morning.
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Thank you - We are thinking about offering a low ball F&F and see if they bite - you are right - they may find it so we're thinking this could be a good move to go down the F&F route and get rid once and for all.sourcrates said:
You are the debtor, they are the creditor, they won`t have the CCA, it never leaves the original lender, they will have to go back to them to try to obtain it, so this may only be a temporary reprieve.Amberelli said:I've had a reply from the largest debtor and they don't have the CCA!0 -
Hold off on the full and final until the end they come back with a valid CCA.If you've have not made a mistake, you've made nothing0
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