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Cca Requests Updates Please

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  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    HannaB wrote: »
    "Thank you for your response to our recent letter. We note your comments and have sought further information from our client. We will contact you again shortly."

    Means absolutely nothing, HB. Rockwell/Tessera can say all they want, but, at the end of the day, they have ignored their legal obligations under the Consumer Credit Act and are now 'in default'.

    If they contact you again, simply point out that they are in default and, in the unlikely event that they, now, come up with a cca, tell them that they can no longer enforce it without permission from the Courts.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • swt61
    swt61 Posts: 162 Forumite
    One of my Creditors the Halifax who sent me a CCa which is shown on my thread have sent me a letter every day for the last week one for myself & one for my wife it states the same thing everytime;_

    "Under the Consumer Credit act 1974 we are required to provide you with this notice as there is a shortfall between the payments you have made abnd the payments you are required to have made under your agreemen shown above"

    bla bal bla bbla

    I know we owe them but this is ridiculous now 2 letters a day saying the same damn thing :mad:

    I wish I could prove that their CCa is not valid a tell them to take the PPi money that was paid for in full at the start of the loan as full and final as we never wanted to add that 2k to the loan in the first place but I am sure we were told that loans usually go through easier if you add PPI.

    Simon
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    swt61 wrote: »
    I know we owe them but this is ridiculous now 2 letters a day saying the same damn thing :mad: .

    Sounds like harassment to me, swt, and worth reporting to the Financial Ombudsman.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • swt61
    swt61 Posts: 162 Forumite
    rog2 wrote: »
    Sounds like harassment to me, swt, and worth reporting to the Financial Ombudsman.


    You really think so Rog ?

    What letter can i Write?

    Simon
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    swt61 wrote: »
    You really think so Rog ?

    Yes I do, Simon. Have a look at the following link - there is a complaints letter which you can either download and post, or fill in on line:

    http://www.financial-ombudsman.org.uk/consumer/complaints.htm

    Loads of information, as to how the FO can help you, on their website - http://www.financial-ombudsman.org.uk
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • methusala_2
    methusala_2 Posts: 188 Forumite
    Hi Rog2

    I have been following your advice threads and have a question. There seems to be 2 schools of thought running at the moment on DCA's that do not provide a CCA in the 12 days and enter a default situation. You have repeatedly said even if the DCA now send a valid CCA it remains unenforcable without a court order. Others are saying no, once a valid CCA is provided,the debt is again enforcable without going to court. Any chance of a confirmation either way ???

    Meth
  • Broken_hearted
    Broken_hearted Posts: 9,553 Forumite
    wait till its re enforced by the courts then you can pay court costs too. Has anyone actualy benefitted from this insane crusade to hide from debts they know they owe.
    Barclaycard 3800

    Nothing to do but hibernate till spring
  • Yorkshire_Bred
    Yorkshire_Bred Posts: 159 Forumite
    methusala wrote: »
    Hi Rog2

    I have been following your advice threads and have a question. There seems to be 2 schools of thought running at the moment on DCA's that do not provide a CCA in the 12 days and enter a default situation. You have repeatedly said even if the DCA now send a valid CCA it remains unenforcable without a court order. Others are saying no, once a valid CCA is provided,the debt is again enforcable without going to court. Any chance of a confirmation either way ???

    Meth

    From my understanding once any breach of section 78/79 is remedied (i.e by sending you a copy of the CCA) the account becomes due....of course whether the agreement they sent you is enforceable or not is another matter.
  • stapeley
    stapeley Posts: 2,315 Forumite
    Broken_hearted wrote: »
    wait till its re enforced by the courts then you can pay court costs too. Has anyone actually benefited from this insane crusade to hide from debts they know they owe.

    I will not write what i would like tell you to do. I will make this response to you . I am not Insane, it is the rest of the world that is mad ! I have benefited by my requests to establish the rights of several parasitical DCA. I have stopped them phoning me 3 times a day ,and stopped them threatening to sending in the bailiffs . I have stopped them adding INSANE interest , I have stopped them from passing my details to third parties and stopped them from acting outside the LAW OF THE LAND . If that is insane then I am as MAD AS A HATTER . If you want to be a self righteous pompous so and so that's up to you. Also I believe paying £1 a month is hardly paying your debts .
  • Absolut_Wench
    Absolut_Wench Posts: 134 Forumite
    rog2 wrote: »
    Sounds like harassment to me, swt, and worth reporting to the Financial Ombudsman.

    Really? I've had five of these letters over the last few days, and two today.
    LBM November 2005: approx £32K :eek:
    Current debt: approx £12K :T
    Getting there one day at a time ;)
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