Cca Requests Updates Please

stapeley

Firstly I suggest you fight it as hard as you can first . Did you get a notice of assignment from the original company that confirms this company has the authority to collect on this debt ? You should also do SAR it costs £10, but will show ALL charges added to this account .IF this ever went to court a Judge would certainly question the amount of added charges. The company would have to justify such a large amount .
Please do not talk to these people on the phone , you certainly do not want them to have your phone number . This company , IF THEY NOW OWN THE ACCOUNT , would have only paid 10P -20P in the £. If it came to it I would offer £800 , but you must be very careful to insure you pay the correct company .

HannaB

stapeley wrote: »

Firstly I suggest you fight it as hard as you can first . Did you get a notice of assignment from the original company that confirms this company has the authority to collect on this debt ? You should also do SAR it costs £10, but will show ALL charges added to this account .IF this ever went to court a Judge would certainly question the amount of added charges. The company would have to justify such a large amount .
Please do not talk to these people on the phone , you certainly do not want them to have your phone number . This company , IF THEY NOW OWN THE ACCOUNT , would have only paid 10P -20P in the £. If it came to it I would offer £800 , but you must be very careful to insure you pay the correct company .

My OH moved away from the address six years ago so any mail would have gone to this address and he wouldn't have received it. Interestingly though, his ex is down as Applicant 1 and my OH is Applicant 2, but he is down as the principle owner of the debt. He says he never even used this card, his ex did after he moved out. I asked him if she gave him any money after they split up and he says she did.

The original debt was with Intelligent Finance. Would this be who I send the SAR request to?

We've already made a formal complaint against Rockwell for their behaviour over the phone and have asked that all correspondence now be in writing.

Red1983

Merry Chrsitmas to ALL.
I wondered if someone could help me please.
the OC was Egg, and once the account fell into default two years ago, (after me offering a payment we could realistically afford) passed it onto Eversheds, so we have been paying them for two years, about two months ago we get a letter from them saying that the account has now been passed to Moorcroft (a lovely breed of humans, I have to say!) and all future payments will need to be made to them and we should be hearing from them shortly. Indeed we did hear from them, saying the account has now been passed to them (moorcroft). I really do not trust these people, so in reply to their letter saying pay us now, I saw an open to door to ask for CCA with 10.00 Post order. I got the same letter as the other lady did, basically saying, why do you want this info, and making me think court proceedings are already in place... (bless em, they do try!!!) anyway, I was wondering if when Eversheds bought the debt from EGG if I can ask for how much it was bought for, and then how much moorcroft have brought the debt for from Eversheds?
If they have to supply this info, and DO NOT, after the 30 days, it has been 12+2 on 21st December, can I then send a letter telling them whom I am reporting them to ie. FOS, TS, FSA, etc.. for non comlpiance and clear neglegence of information, and can I also request that either they write the debt of? If they won't do this, (bit cheeky I know) can I request that I pay back what they have ACTUALLY brought the debt for? as clrearly the oringinal debt can no longer exist as it has been sold.

Sorry if this is a bit confusing, any advice would be muchly appreciated.

A Very Merry Christmas

Red

There is light at the end of the tunnel.............

[Deleted User]

stapeley wrote: »

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 .

I didn't send them the letter but I am by recorded delivery today, also sending a letter to the original OC explaining that fredrickson failed to send me a copy of my CCA and therefore the debt is now unenforcable and therefore can not be passed on to any other DCA and that any defaults must be removed off my credit file.

stapeley

A company do not have to give details of financial arrangements with other companies , so you can not find out how much they paid . You must be given all details of added interest and charges added etc when you do a SAR and pay £10 .

Red1983

Whats a SAR?
And surely there must be some way of finding out how much they brought the original debt for, its driving me crazy thinking that they brought the debt for 10% of the original, and they are going to make basically 90% profit off of the original debt, surely that cannot be fair, just like the bank charge are not fair.
My point with this is surely there is way I can pay the actual amount of the debt that they brought. That way I would not be spending the next 35years paying it off. Whay d'ya think?

Red
:A

stapeley

If only the Original company would offer to settle the account at this low level to everyone before selling to a DCA . My next Christmas wish is to have three hole in ones at my golf clubs next comp . It will not happen !

Red1983

LOL, ok I see your point, its so frustrating though!
After reading my first post, should I send Moorcroft the 2nd letter as it has past the 12+2 days,and all i got was that lousy letter from them. What do I say? and what breaches have they made in not returning the info requested?
If no joy after the 30 days are up, do I then send a letter saying that I will report them to the relevant authorities? and I will!
We generally want to know all the information they hold on us, and we genuinely don't have a copy of our original agreements with any of our creditors, which is actually quite scary, as I am wondering where the hell they have gone! LOL - but not funny!
Whatever comes after I have asked for the CCA is up to the DCA, all we want is the info, if they get scared and do a runner, so be it and good ridens!

stapeley

My view is send as many letter as you can, to as many people as you can . Hopefully the Dca ,s will disappear under a mountain of paperwork never to be seen again .

Red1983

Yeah I will do, I'll let you know how I get, one more question, when the 30days are up and I have reported them, do I then have the right to request that all defaults be removed from my Credit File?