CCA Questions. iNFO REQUIRED ASAP

mm2000

I've sent RMA another letter demanding the CCA and a statement of account stating they cannot do anything with the debt until they have supplied these. So far all they have done is try to ring me three times even though I wrote in the letter that they are not to. Does anyone know The address for American Express. RMA are collecting the debt for them, the cheques I send are always made out to American Express.
Am I right in thinking that RMA cannot pass the debt back to Amex.
I was thinking of sending Amex a letter stating that I hold them responsible for the actions of RMA and are accountable for all the stress and harassment that they have caused.

On another debt, Citi Card have decided that my agreement (had it since 2001) is no longer valid and have started adding interest and charges. The agreement was for a monthly payment of 1% of the balance which they get.
Can I request a CCA off them too.

moonlightpjs

I dont know the address for Amex but the DCA can pass the debt back to Amex if they are unable to provide a CCA, this often happens - you would then need to CCA Amex if you wanted to persue the matter further.

And yes you can CCA Citi too

mm2000

Cheers. I'll be doing that then. If anyothers don't play ball I'll be sending them a CCA request too. I'm waiting for RMA to try ringing again, I can bar their number then. I've still not heard from Preston Trading standards so I'll have to right to them again too.

Leixlip1

AMEX, AMEX House, Edward Street, Brighton, BN88 1AH

mm2000

Thanks Leixlip.

I can’t believe it. I actually got a letter from RMA Resolve. They are looking into the content of my last letter and will contact me again in a week. They have also requested a statement of account and cca from American Express also. I wonder what the chances are that Amex can come up with the goods.
I now appear to be having trouble with the Cooperative Bank. They’ve been ok on the whole for the past 7 years, now they are playing up. Just before Christmas I offered the a Full and Final settlement. (This was an amount they said they would accept, 7 years ago which then amounted to around 25% of the debt. Now it stands at around 40%). In the mean time they had “extended” the agreement on reduced payments for 3 months, this has now run out. To consider the settlement figure they wanted to know where the money was coming from, plus copies of three wage slips, proof of mortgage payments, and statements from my other creditors. I sent the wage slips and mortgage info but informed them the statements etc. from creditors would be a lengthy process as very few now issued statements.
On Friday 29 Feb, Coop telephone me to ask if I could increase my payments, I told them without all the info to hand, I couldn’t be sure, so they informed me that they would send out a financial review form to fill in and could I send an “interim payment” with the form. I sent off one of my sheets the following day with a slightly increased offer and a payment at the new offer which was higher than they had requested.
On Monday 3rd March I get a letter from Coop Bank informing me the agreement period was lapsed on my account and could I send them a financial statement and an offer of payment. Having already just done this, I filed the letter away and ignored it.
Then I receive another letter from Coop a couple of days later with their form a request for a higher payment (they’re after 1% of balance, I’ve offered £9 per month less) and another request for wage slips, evidence of mortgage as well as other creditors statements.
To my knowledge I shouldn’t have to supply this info, I don’t even remember being asked for proof of this when I had ccj form sent to me 7 years ago.
Anyway as I’ve only just supplied most of this info, why do I need to send them again.
Yesterday, I get a Default notice from the Coop. They have cashed my cheque, yet have received no answer to my letters on either the settlement offer or the renewed monthly payment offer. The money came out of my bank account two days previous to the issue date of the default letter so it’s hard to believe it would be an automated letter. I think a letter of complaint is in order as well as a CCA request for good measure. Any body have any suggestions on how to handle this?

Leixlip1

I think the Co-Op are generally starting to play hard-ball. They did re-new my repayment agreement prior to Xmas but have started returning my standing order payments and have stated I have defaulted on the agreement made! Methinks it's the other way round. I've written to them about this as an official complaint and will take it to the (farly toothless Financial Ombudsman Service) if I have to.
If you CCA them it will put the account in dispute so they should stop any action until the CCA is provided.

I've also had dealings with AMEX who threatened a Charging Order via their very sympathetic solicitors who actually gave me advice!! Result no Charging Order - perhaps this is why the are using RMA now. I've also had dealings with them (through Barclaycard) and they couldn't produce a CCA. RMA referred the matter to two firms of solicitors both of whom did not argue my right to a CCA and the account was sold on. Both RMA solicitors use the same address in Kingston-Upon-Thames and have offices within RMA at Preston.
Good luck.

mm2000

I complained to the Coop several years ago when I first set up my payments, they upheld my complaints, (can't remember the circumstances, but they were not acting as they should) The Coop admitted they were at fault and offered the settlement figure, plus, as by way of compensation they knocked £1000 off my debt. So if they're complaints process is the same and not playing hardball also, Some good could come of this.