CCA requests results

tritons0

With step change since 2010 - learnt about CCAs recently so sent off for these - results are back for most . All debt been sold to other companies over the years 

3 accounts from Link - unable to comply with request within 12 day time frame - although account unenforceable outstanding balance remains collectible
 
1 account from Lowell - unable to provide requested documents so have decided not to pursue outstanding balance - account closed ! Hooray 

Cabot -  one account unenforceable but balance remains payable 
1 other account with Cabot - still waiting although acknowledged 

Westcot - one account still waiting although acknowledged 
another wescot one which was overdraft with tsb but they say need to go into bank as they have tsb saying they’ve sent me statements??

I rang stepchange  but woman didn’t seem to know what I should do and suggested I rang the companies direct??? not keen to engage with them 

Can anyone advise me please 
I need to ring stepchange again anyway to tell them to remove the Lowell one ( as I hadn’t received that one when rang about the others ) 
many thanks 

RAS

Duplicate thread.

fatbelly

You can stop paying the unenforceable debts and tell them you have debts of higher priority

If stepchange can't implement that, go do-it-yourself

You will have to continue to pay the overdraft. Did any others survive the cca process?

tritons0

Thank you , I was surprised the lady at step change didn’t know anything about unenforceable cca . I’m going to tell them to stop paying them until I get cca . So delighted  that Lowell have wiped the debt - result 

poppasmurf_bewdley

Overdrafts are not covered by a CCA.  But if they can't provide documentation, they can't show it was an overdraft in the first place!