Cca Requests Updates Please

adamandmaz

Well a quick update on my CCA request.

We were getting letters from the DCA threatinging to take us to court over a catalogue debt from 1999, so I sent a CCA request to the DCA. Now we have recieved a letter from KAYS catalogue stating that they have no CCA agreement and attached the current terms and conditions.....of course unsigned...

So we will be contacting payplan in the morning regarding this letter.

adamandmaz

Hi

The debt is not statute barred, as we have been paying fredriskons £40 a month, until we joined payplan, 3 months ago.

System

Ok is this legal? I requested my CCA from next back in may, it was going through moorcroft. They said they did not have the CCA, and I did the usual default thing, Heard nothing else until today, I get a letter from another debt collector looking the money from next, I say another debt collector but it has the exact same address as moorcroft, same font, just a different company name. I thought when they defaulted they could not persue the debt again, they have just changed there name.

blind-as-a-bat_2

Hmmm intresting, what name are they using?

I have been through the same with Next/Moorcroft with the same result so may be getting the same soon if they are starting that game.

System

Home Collection Services

blind-as-a-bat_2

Company Details - HOME COLLECTION SERVICES LIMITED
Registered No. 02333137
(?) Address: MOORCROFT HOUSE
NO.2 SPRING GARDENS
STOCKPORT
SK1 4AA
Tel: We do not list telephone numbers. Click here to search for a telephone number at 192.com
Type: Private Limited with share capital
Incorporation Date: 09/01/1989
Status: -
Last Accounts Filed up to: 31/07/2007
Last Accounts Analysed: -
Nature of business SIC: 74990 - Non-trading

Well its prety active for what looks on the face of it a dormant company, definatly Moorcroft though
Im sure this contravines a few of the OFT guidelines:rolleyes:


You may hear from these too soon

Midas Legal Services Ltd.: Moorcroft Group
Financial Services. Business services
City: Stockport
Address: Moorcroft House , 2 Spring Gardens , Stockport , Cheshire, SK1 4AN
Phone:0161-480-4966
Fax:0161-477-3864

System

Hmm.. So what is the best way to deal with this? I'd love to report them but don't have a clue how.

blind-as-a-bat_2

The standard "bogoff account in despute" letter would do but i would re-word it so they know that you know what they are up too;)

By using this dormant company they are trying to avoid contravining the bit in the CCA and OFT guidelines about not being able to persue the debt because it is in dispute.:rolleyes:

Thats my guess

blind-as-a-bat_2

This is intresting look who is number 3 on this list

http://www.crainsmanchesterbusiness.co.uk/assets/pdf/lists/Highest_Executive_Pay.pdf

missljm

Hi, looking for some advice with regards the CCA requests. I sent both letters off and have received nothing back and was specific in each letter that all correspondence had to be in writing. The DCA has not stopped calling my house. I did answer one night and refused to give my details over the phone and said that I will not discuss anything over the phone it must be in writing. The chap on the other end of the phone said they have written to me (I have received nothing from them). I really need to know what my next step should be as surely if they cannot produce the CCA then they cannot harass me for payment?