Cca Requests Updates Please

[Deleted User]

I got a letter today from Fredrikson International limited today. I wrote to them on 8th August this year asking for CCA from them. Today I got a letter (over 4 months later) thanking me for my recent (lol) letter and have returned my postal order as they are no longer instructed in relation to this matter.
First question, does this mean that I will no longer be persued for this debt by any party?
Secondly, as they have returned my postal order can I get it refunded? I know its only for £1 but as they say every penny helps and I'm a skint student and a tight git.

Absolut_Wench

Good afternoon all, I'd appreciate some advice please.

A bit of background first:

I took out a loan with the Halifax in 2002, and increased that loan in 2004. Since getting into difficulties in 2006 I have been paying a reduced amount via a DMP. Everything was ticking along nicely repayments-wise, until I had to reduce my DMP payments earlier this year (I was made redundant, got a new job but on a lower salary, hence the lower DMP repayments).

I've been in dispute with Halifax for 19 weeks exactly over the amount of PPI they have refunded through a mis-selling claim. The FOS are trying to get Halifax to make a fair refund (or explain the arbitrary number they have applied) but so far no luck.

Halifax has sent me 15 notices of arrears over the last three weeks - sometimes two in one day! However, they are unable to respond to letters from myself and the FOS regarding the possibly incorrect PPI settlement! :mad:

Anyway - this week I have received a letter from CL Finance, stating the debt has been assigned to them. They state they are aware I am on a reduced payment via a DMP, and they are happy for me to continue in that arrangement.

The letter sounds very similar to that posted by swt a couple of pages ago, with the notice of assignment in a shaded box at the bottom of the page.

I disagree with the amount assigned, as that refers to the amount outstanding BEFORE Halifax applied the PPI refund.

So my question (finally!) is this - should I send in a formal CCA request to CL Finance? I'm not disputing I have a debt with Halifax, which I am paying back in manageable chunks. I'm in no way trying to avoid this debt. However, I'm a bit concerned that it has whizzed across to another DCA without any warning (or is this how these things happen?)

It occurs to me that several of my debts have gone to a third-party DCA, and I've never queried them. What a donkey

Any advice will be appreciated. Many thanks and
Merry Christmas :xmastree:

stapeley

:j Hi , please forgive me while I indulge myself . Had a great game of golf winning the Christmas stableford comp , received a lovely hamper . Will certainly save some pennies .:j

Absolut_Wench

Congratulations! :T

blind-as-a-bat_2

Absolut_Wench wrote: »

Good afternoon all, I'd appreciate some advice please.

A bit of background first:

I took out a loan with the Halifax in 2002, and increased that loan in 2004. Since getting into difficulties in 2006 I have been paying a reduced amount via a DMP. Everything was ticking along nicely repayments-wise, until I had to reduce my DMP payments earlier this year (I was made redundant, got a new job but on a lower salary, hence the lower DMP repayments).

I've been in dispute with Halifax for 19 weeks exactly over the amount of PPI they have refunded through a mis-selling claim. The FOS are trying to get Halifax to make a fair refund (or explain the arbitrary number they have applied) but so far no luck.

Halifax has sent me 15 notices of arrears over the last three weeks - sometimes two in one day! However, they are unable to respond to letters from myself and the FOS regarding the possibly incorrect PPI settlement! :mad:

Anyway - this week I have received a letter from CL Finance, stating the debt has been assigned to them. They state they are aware I am on a reduced payment via a DMP, and they are happy for me to continue in that arrangement.

The letter sounds very similar to that posted by swt a couple of pages ago, with the notice of assignment in a shaded box at the bottom of the page.

I disagree with the amount assigned, as that refers to the amount outstanding BEFORE Halifax applied the PPI refund.

So my question (finally!) is this - should I send in a formal CCA request to CL Finance? I'm not disputing I have a debt with Halifax, which I am paying back in manageable chunks. I'm in no way trying to avoid this debt. However, I'm a bit concerned that it has whizzed across to another DCA without any warning (or is this how these things happen?)

It occurs to me that several of my debts have gone to a third-party DCA, and I've never queried them. What a donkey

Any advice will be appreciated. Many thanks and
Merry Christmas :xmastree:

If the amount on the assignment, and the defaults for that matter from halifax, are wrong then the assignment notice is invalid, so if you get your refund they will be as they include an amount that was in dispute, so therfore could not be assigned untill it was proved as owed, furthermore if the account was in dispute it should not have been assigned at all, but that is only against OFT guidlines, not the regulations, Have you asked halifax for a copy of your agreemant under a CCA request, and where they in default?
your agreemant must contain (and probebly will) a clause regarding assignment to a third party. This can affect the assignment if its absolute as they need your consent to do so.

stapeley

Now recieved a demand letter from a fourth DCA on the same disputed account . After pointing out to them that I had recieved several "final demand letter before court action" letters from other DCA , they are "putting a hold on any action to allow investigations. " Another vain attempt to come up with a CCA.

stapeley

drinkupretty wrote: »

I got a letter today from Fredrikson International limited today. I wrote to them on 8th August this year asking for CCA from them. Today I got a letter (over 4 months later) thanking me for my recent (lol) letter and have returned my postal order as they are no longer instructed in relation to this matter.
First question, does this mean that I will no longer be persued for this debt by any party?
Secondly, as they have returned my postal order can I get it refunded? I know its only for £1 but as they say every penny helps and I'm a skint student and a tight git.

hi did you send the default lettER to them after the time limit expired ? As they were acting on behalf of the OC they are still bound by the terms of the CC ACT . The orginal request and the default letter should be forwarded to the OC . Therefore if the account is given or sold to another DCA they are in breech of the CC ACT .

HannaB

Hi,

My OH has texted me as he's arrived home from work. Rockwell DCA have sent us the copy of the agreement following our CCA requst (I haven't seen it yet, so there's likely to be more questions on here this evening when I do.) He says that it's from 2002 (so not stat barred, as we started repayments in 2006) and it is for a credit card in joint names with him and his ex-gf with a credit limit of £2000. Obviously, if my OH has read this information than it is a legit, readable document.

Question 1 - Rockwell are chasing us for £4200-ish and so far we've paid £900-ish. Hypothetically, what would an offer of a full/final settlement be?

Question 2 - As this debt is in joint names, is he only liable for half of this debt and his ex-gf the other half? What are his rights in this situation.

As I've said, they'll prob be more questions tonight when I get home, but these are the immediate ones that scream at me.

Thanx as always

stapeley

He is the principle card holder , so he is liable . The credit cards do not have joint holders like bank accounts .

HannaB

Hi all,

I've now had a chance to look over the documentation that Rockwell have provided and it seems to be ok. It's legible, has my OH's signature on it, together with his old address and DOB and his ex's details.

He is the principle cardholder, you're right stapeley. So here's how it stands at the moment. The credit limit on the Credit Card was £2,000. According to Rockwell the original amount owed was £4,140.52 (????) and we have paid £910.00 leaving an outstanding balance of £3,230.52.

I've not ever had to approach a company with a full and final settlement offer before. What figure shall I start with? Is there one of those fantastic MSE templates somewhere?