CCA request question

jwales_2

I wrote to two creditors in August '07 asking for CCA details and heard nothing back. I wrote again in November, telling them the 12+2+30 deadlines had passed.

I had a letter yesterday from a DCA saying they had just received the request from the card company and would either get a copy of the original or a "copy of the standard terms and conditions of the contract" to me soon and would be in touch again within 21 days.

What rights do they now have to enforce the agreement if they do produce the contract at this stage?

J

Cleosmum

They would now have to take you to court to enforce it. If they do come back to you it needs to be a true copy of your actual agreement with the T&C as they were when you took out the account. Also if they do provide a copy of your agreement it has to have the prescribed terms on it to be enforceable. They have defaulted, do not pay a penny until it has been to court. You can also write to the DCA and tell them to hand the account back to the credit card co, as it is in dispute.