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Cca Requests Updates Please

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  • momo1975
    momo1975 Posts: 161 Forumite
    p.s can anyone point me in the right direction for the content of the 12+2 letter?
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    momo1975 wrote: »
    p.s can anyone point me in the right direction for the content of the 12+2 letter?

    http://forums.moneysavingexpert.com/showthread.html?p=7511761
    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
  • momo1975
    momo1975 Posts: 161 Forumite
    hi is that not the letter you send with the very first CCA request? as i have already sent my £1 and they have cashed this.

    its the letter i need after 12+2 days have passed...
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    momo1975 wrote: »
    hi is that not the letter you send with the very first CCA request? as i have already sent my £1 and they have cashed this.

    its the letter i need after 12+2 days have passed...

    A thousand apologies, momo - the correct link is:
    http://forums.moneysavingexpert.com/showthread.html?p=6921563
    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
  • momo1975
    momo1975 Posts: 161 Forumite
    rog2 wrote: »
    A thousand apologies, momo - the correct link is:

    http://forums.moneysavingexpert.com/showthread.html?p=6921563


    Thanks Rog2! appreciated I'll get my letters of i the morning - watch this space for updates!
  • stapeley
    stapeley Posts: 2,315 Forumite
    I have just got hold of a few credit card application forms to compare to the form I signed for a SKY CARD . They are completely differant , I cann,t get through to SKY CARD. I want them to send me a application form to compare that to .
  • stapeley
    stapeley Posts: 2,315 Forumite
    MY STATE OF PLAY .

    1. AA LOAN . CCA requested the DCA . After the time limit ,DCA said they have returned account to OC . Heard nothin for 6 weeks .
    2. Sky Card , debt sold to DCA . Copy of application form sent and some copies of monthly statements . Pointed out some of the statements where missing. DCA are requesting the missing statements.
    3.Sainsbury CC. With DCA . Requested a copy of CCA . After 5 weeks was sent a eligeble copy . Threatened with court action by a associate company . Pointed out that the copy they sent was eligeble . Still waiting responce .
  • System
    System Posts: 178,342 Community Admin
    10,000 Posts Photogenic Name Dropper
    I have received word today from my second creditor, Littlewoods catalogue. The letter says

    Thank you for your letter dated 31xxxx, unfortunately we are unable to locate a copy of your exectuted agreement, but for your information we have enclosed a current copy of the agreement which applies to this type of account. This current version includes all contractual variations which have taken place.

    The have enclosed a current agreement for me to sign and return. Have I got away with this one 2?? Is there anything they can do?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • System
    System Posts: 178,342 Community Admin
    10,000 Posts Photogenic Name Dropper
    Anyone any advice? Or a second letter I can send?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • kel123_2
    kel123_2 Posts: 476 Forumite
    If you sign it and send it back they have a true cca! How many days has it run since the first letter and yes! I hope I have the same out come
    June 2005 = 48K of Debt:cry:
    Sept 2006 Started dmp = 56k of Debt (inc fees and charges) DFD April 2030:eek:
    May 2008 = <5k of Debt (CCA route -48K, paid off 3K) DFD April 2010
    Nov 2008 Lloyds found CCA for 14K loan:mad: New DFD Jan 2016

    Happy so far tomorrows another day:confused:
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