CCA Letters

GraySailing

Hi
new to all this and think its a great site just have a couple of simple Qustions

When do you send the 2nd CCA letter after 12 days or 12 days + 1 month as I am have doubts over a debt that was taken over by Hillsden Securites

fermi

Hi.

There's no really "correct" point to send another letter.

It all depends on what (if any) response you get from the creditor/DCA.

And also how they are behaving; e.g. continuing to harass you and press for payment despite not having complied with the request.

A second letter also serves to press home the point that:

a) They haven't complied with the request after the 12 +2 days, meaning that they are "in default" of the CCA request and that the debt is no longer enforceable while they do not comply.

b) After the extra 30 days the same as (a); except that they have now "technically" committed an offence.

Have you already sent a CCA request?

If you can tell us a little more about the debt and what is happening, then we may be able to work what if anything to send.

bentalls

Fermi,
I too have a question about this - would it be ok if I PM'd you?
Thanks
Bentalls

GraySailing

I sent the letter on the 2nd they received it on the 5th & replied on the 11th basicly stating they were waiting for the true copy to come from Citi also ther was a part copy of a legal doc of a sale between Citi & Hillseden Front page, page 2 & page 33 with signatures on, No mention of my name or any refence thay also reckon that the document is too sensitive for me to see and will only show it to a judge in court

Thanks
Graham

fermi

GraySailing wrote: »

I sent the letter on the 2nd they received it on the 5th & replied on the 11th basicly stating they were waiting for the true copy to come from Citi

Fair enough. Although that doesn't stop them being in default after the 12 +2 days, and committing an offence after another 30.

Nothing they do/say/write can alter those time limits.

GraySailing wrote: »

also ther was a part copy of a legal doc of a sale between Citi & Hillseden Front page, page 2 & page 33 with signatures on, No mention of my name or any refence thay also reckon that the document is too sensitive for me to see and will only show it to a judge in court

You are not entitled to a copy of the actual "deed of assignment". These are often written for bulk purchases of debts, which means that they could indeed contain much confidential information about other accounts and people. It's quite surprising you got anything.

The are correct. The only time that they must supply the actual "deed" when requested is at court.

However, when the debt was first bought (or 'assigned') you should have received a "notice of assignment" stating that the debt and rights to collect had been sold. That is not the "deed of assignment" and the two are often confused.