Requesting CCA

Pursuit_of_Happiness

Due to circumstances beyond my control a number of credit cards have recently defaulted me, they are about to sell the debts onto to DCAs. My question is:

Is it better to request a CCA after they have been sold in the hope they have had longer to lose to agreement, or does it make no difference and I should just to it now?

Cheers,

Pursuit.

SarahNeedle1872

I'm a bit confused as to what you are asking..... are u asking if u should wait, in the hope that they loose the agreement, so u don't have to pay?

Pursuit_of_Happiness

Yep exactly.

If that sounds mercenary, I might have thought so as well 6 months ago. But after the treatment I have received it's just fire to fire. These companies engage in all sorts of psychological warfare, but at the end of the day they were charging you an interest rate that covered the risk that you might not one day be able to pay. There is a good chance I would able to pay back all the credit cards I owe in 3 months time.. but when I sent them letters informing them of this they either ignored them and kept harrassing me with 3 calls an hour from 8am to 9pm (waking my children) or sent me a letter rejecting my interim payment schedule and making further threats (all of which were illegal or highly unlikely courses of action) not to mention they have filed defaults against me and clocked up numerous illegal bank charges.

As regards CCAs they have a legal responsibility to keep them and to make sure they are legally sound, if they fail in this, they only have themselves to blame. I have no doubt that if there was any avenue that they thought they could get away with to cause me more difficulties (whether it would get their money back or not) they would take it.

I was ready to work hard to pay them back, but they chose instead to harass me thereby making it harder to do so.

Have only as much sympathy for the credit cards as they have shown me. :sad: