Bit of guidance re: cca

louise1111_2 · 20 February 2008 at 11:07PM

Hello!
just a bit of advice needed.
I requested a CCA from metropolitan collection services re HSBC cc. They sent me a letter stating that they could not provide one. It was then passed over to Central Debt Recovering so i CCA'd them also. They took the £1 fee off of my balance but today i received a reply. In short, they say:-
1. they cannot provide a CCA
2. there is sufficient evidence of my entry into an agreement with the bank
3. i have been informed that the account was closed and passed for debt collection
4. as there is no longer a live agreement in place under which the bank can be seen as a creditor then the sections 77 and 78 of the CCA act do not apply
5. as CDR is an inhouse collections dept, the debt has not been purchased and there is no deed of assignment

i just wanted you kind people's advice on the next step i should take.
many thanks

poorandindenial · 20 February 2008 at 11:19PM

Hi louise

Stapeley is your expert on this (i will try and find their threat and post a link). As far as I understand it, no CCA for credit card debts or loans, then not enforceable. I guess if there is no need of deed of assignment because it is same company they should still have to produce the CCA.

back in a sec with stapeley's thread; it is likely omeone on that will have had the same problem.