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Cca Requests Updates Please

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  • blind-as-a-bat_2
    blind-as-a-bat_2 Posts: 4,304 Forumite
    debtman2007 wrote: »
    Ok thanks. what do you suggest i do. do i need to reply??

    the question is, is there any point replying, i doubt it to be honest, but it wont hurt to send them a letter saying they are incorrect, and they must comply with the CCA request before you will enter into any further corisponcdence with them, and then dont respond to anything else

    But only do this if you are prepared to fight this in court if they decide to try there luck

    Sometimes the only way is to call there bluff, but that has to be your desicion.

    You could always contact TS in the meantime for there view, you never know they may help
    Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all …………. :(
  • debtman2007
    debtman2007 Posts: 400 Forumite
    blind-as-a-bat wrote: »
    the question is, is there any point replying, i doubt it to be honest, but it wont hurt to send them a letter saying they are incorrect, and they must comply with the CCA request before you will enter into any further corisponcdence with them, and then dont respond to anything else

    But only do this if you are prepared to fight this in court if they decide to try there luck

    Sometimes the only way is to call there bluff, but that has to be your desicion.

    You could always contact TS in the meantime for there view, you never know they may help

    Also this information was sent direct from Citi not via 1st Credit. Who would i reply to.?
  • blind-as-a-bat_2
    blind-as-a-bat_2 Posts: 4,304 Forumite
    Ist credit, they are acting as agent i presume, so if they have a duty under sec175 of the CCA act (if i remember correctly) to pass all notices (communications) to citi anyway.

    So if you reply to worst credit your replying to both in effect;)
    Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all …………. :(
  • debtman2007
    debtman2007 Posts: 400 Forumite
    blind-as-a-bat wrote: »
    Ist credit, they are acting as agent i presume, so if they have a duty under sec175 of the CCA act (if i remember correctly) to pass all notices (communications) to citi anyway.

    So if you reply to worst credit your replying to both in effect;)

    So would Citi have notified 1st Credit that teh CCA request has been fulfilled? That would mean the start of calls again i guess from 1st Credit.
  • blind-as-a-bat_2
    blind-as-a-bat_2 Posts: 4,304 Forumite
    Yep, as the TSB has done with my OH, they told there sols to continue, after sending me a copy of the agreement that i could hardly read and was a page short.

    they dont have our phone number as i changed it (:p ) but the threats arived by post before the (non valid) responce from the CCA did:confused: :rotfl:
    Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all …………. :(
  • debtman2007
    debtman2007 Posts: 400 Forumite
    blind-as-a-bat wrote: »
    Yep, as the TSB has done with my OH, they told there sols to continue, after sending me a copy of the agreement that i could hardly read and was a page short.

    they dont have our phone number as i changed it (:p ) but the threats arived by post before the (non valid) responce from the CCA did:confused: :rotfl:

    did you reply to say it wasn't valid?
  • oscar52
    oscar52 Posts: 2,272 Forumite
    Blind as -

    with regards to that scan above, where are the pres. terms?

    I cant actually see them (maybe i am just tired)
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
  • blind-as-a-bat_2
    blind-as-a-bat_2 Posts: 4,304 Forumite
    debtman2007 wrote: »
    did you reply to say it wasn't valid?

    Erm yes, but i wouldnt suggest useing my style of response, i may have left them no alternative than to take it to court.

    Long story but after several traumatic events last year my OH was forced to leave her job, and is now on IB suffering from boughts of severe depresion and agrophobia so in short has no surplus to offer payment and little chance of that changing any time soon.

    If what i am doing for her fails she will be left with no alternative than to go bankrupt, so we have nothing to lose, so i am willing to push any creditor to the limit to prove the debt.

    You have to way up the risk to your own personal situation, but going to court for them to decide is not always a bad thing even if you lose, the court wil in nearly all cases order a payment you can afford, and that will then protect you against the creditor demanding more, so is not as bad as the creditor would have you believe

    That is as long as you dont have property they could apply for a charging order on, as that changes the goalposts somewhat
    Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all …………. :(
  • blind-as-a-bat_2
    blind-as-a-bat_2 Posts: 4,304 Forumite
    oscar52 wrote: »
    Blind as -

    with regards to that scan above, where are the pres. terms?

    I cant actually see them (maybe i am just tired)

    See Fermi,s responce in post #1296, but as i said its hard to see but it seems they are there from what i can make out
    Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all …………. :(
  • oscar52
    oscar52 Posts: 2,272 Forumite
    blind-as-a-bat wrote: »
    See Fermi,s responce in post #1296, but as i said its hard to see but it seems they are there from what i can make out

    Just had a second look at that table - its hard to read, but looks everything is there.
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
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