Cca Requests Updates Please

louisa79

Janey, personally, I would ignore this as it proves nothing.

A generic letter with none of your information on it wouldn't stand up in court. If the letter is a "representation" of a letter sent to you, you would think that they would have a copy of it with your details and a date on it.

This seems, to me, like another laughable attempt by a DCA to provide evidence when they have nothing.

louisa79

Debtman, there are no other letters. Has the DCA acknowledged receipt of the letters?

susie93

Hi, regarding the CCA requests. After the very kind and extremely useful advice on this forum I sent my formal request to DCA and also to Egg requesting the true signed copy of CA, copy of the default notice, statement of account and Notice of Assignment. They were well out of the 12 plus 2 days and have only sent a scanned copy of the CA which has copies of post its over most of the writing plus it is scanned in so small you cannot read the details - can this be classed as a true copy and also with it being over the time limit what happens? I have already sent my full defence in to the bulk centre as I had not received this in time. Also without the statement of account have I still got a full defence. Not sure where to go from here - help! The answer I received from the DCA was that they had forwarded on my letter to Egg (and they kept the £1 - cheek) as they did not hold the information. Meanwhile they would put a hold on the file until the information was available to me. I checked with the Bulk Centre and surprise they had lied - it had not been "stayed" at all so luckily I had time to put in my defence. Sorry to waffle but I'm floundering a bit here.

stapeley

It is a bit of wait and see . Any form they send or aim to use in court must be legible. I would write pointing this out , keep a copy and also send a copy to the court .

stapeley

Janey51 wrote: »

In August I sent a CCA request for one of my debts (credit card) now with a DCA.
After several letters from the DCA telling me they were chasing up my request with the original lender, a bundle of papers arrived....
1.My statements back to 2002 (not requested by me)
2. A letter with none of my own personal details on it Just XXXX where my info would be) but with the message "Representation of a letter of assignment sent to you on **/**/2008"
3. Copy of Terms and conditions with a date on the bottom of April 2008 !

No CCA request enclosed.

The covering letter said that as they had complied with my request they would now recommence collection on the account.

Should I just ignore?

I would write a letter to the complaints manager . Point out that they have not complied with your request and ask that all collection activity be stopped . Do not forget to keep copies .

Bazza66

Janey51 wrote: »

In August I sent a CCA request for one of my debts (credit card) now with a DCA.
After several letters from the DCA telling me they were chasing up my request with the original lender, a bundle of papers arrived....
1.My statements back to 2002 (not requested by me)
2. A letter with none of my own personal details on it Just XXXX where my info would be) but with the message "Representation of a letter of assignment sent to you on **/**/2008"
3. Copy of Terms and conditions with a date on the bottom of April 2008 !

No CCA request enclosed.

The covering letter said that as they had complied with my request they would now recommence collection on the account.

Should I just ignore?

Janey,

Have a look at this thread - may help you.

http://forums.moneysavingexpert.com/showthread.html?p=9323533

debtman2007

louisa79 wrote: »

Debtman, there are no other letters. Has the DCA acknowledged receipt of the letters?

Yes. For both of teh letters i have sent. Each time they have sent me teh same ackowledgment. what happens now?

Janey51

Thanks a lot for your help.
I will be sending the letter off ASAP.

stapeley

stapeley wrote: »

Got a letter from Rock

---

dca month ago, on a disputed account , no CCA received ,sent default notice to the previous DCA , who returned it to OC . This is letter I sent them ,

COMPLAINTS MANAGER

DEAR SIR,
Despite several letters from different collection companies,I continue to be sent demand letter.
I wish to point out again, a few points you have failed to take into account .
I still have not been sent a legible copy of a consumer credit agreement relating to this alleged account .This is the duty of any company even if only acting on behalf of the original company .
I have not received a notice of assignment from your client stating you have their authority in this matter .
You will no doubt be aware of the consumer credit act and its conditions . But I will remind you .Failure to supply a true signed copy of a consumer credit agreement on request means the account is in dispute. The act goes on to say while in dispute no action can be taken to recover any alleged debt. Nor should any information be passed to another party.

This has clearly been done in this case .I will assure you I have received excellent advice in this matter and am fully aware of my rights .
Originally I was being contacted by another company .I made requests to them for a copy of a CC Agreement, which they failed to provide. They were informed that the account was still in dispute .Any action to enforce an account while it is still in dispute , contravenes the conditions of the CC Act. The ACT also clearly states, while dispute continues the account can not be passed to another party.

I now feel I have more than enough evidence of malpractice to report both your companies .
I await your response .

Seven days later I received a reply ,

In view of the circumstances we confirm that we have ceased recovery action, blar blar blar .......

You may find this letter useful.

debtman2007

Hi Stapely,
sorry, is that the letter i need to send?