Quick question about CCA agreement

Jaytee

Hi all
I wrote about this time last year in total despair about my credit card debt. To anyone going through it, it gets better believe me. 
I have five separate creditors. All have defaulted and I am making payments to three of them via collection companies.
One of my creditors is TSB Bank. I have gone through exactly the same process for all: after initial contact from collection agency (in this case Moorcroft) I send formal request for CCA.
TSB's only response (via Moorcroft) has been to say that they have already sent it. I definitely haven't received it. I followed up by sending a letter to both Moorcroft and TSB stating that I hadn't received it, would accept a digital copy to speed things up and could they tell me the date it had been sent. The only response was from Moorcroft who said TSB has said (again) this has been sent but Moorcroft have put the account on hold.
What would you do in this case? I am thinking of sending a formal complaint to TSB but should I start making token payments in the interim to demonstrate good faith? 
Thanks to everyone who has provided me with advice in the past. I am so grateful.

Brie

I would be tempted to send a letter back to Moorcroft stating that since they have not provided a CCA you must assume that none exists and therefore there is no debt for you to pay.  Don't start making payments until they provide the CCA.  

It's possible that TSB did send it but it was sent to an old address or that it was sent to Moorcroft who mislaid it.  Either way, they didn't get it to you so no payments.  

Jaytee

Thank you @Brie
TSB have definitely got the right address because I have had about 200 letters from them!

sourcrates

What type of debt was this with TSB, as only credit cards/loans etc are covered by CCA not bank accounts.

Moorcroft are only acting for TSB, they have no clout whatsoever, it will only have been assigned equitably to them, so TSB still call the shots, not Moorcroft, so you can just ignore them if you wish.

Jaytee

@sourcrates all my debt including TSB is credit card. It seems very dodgy to lie to me about the CCA. Not something I would have expected from a 'proper' bank.

poppasmurf_bewdley

sourcrates said:

What type of debt was this with TSB, as only credit cards/loans etc are covered by CCA not bank accounts.

What you have written above is true, but many debts are going back so far that what the debt is for has been lost in the mists of time and nobody knows what the debt is for. And a debtor would usually keep his mouth shut - I know I did!