Cca Requests Updates Please

Bodi_2

WoW what a minefield. Read most of the thread my head is bursting...Sorry but i seem to be in a different suation from many of you guys.

First yeah i know i have borrow the money and YES i'm looking for a legal way not to pay.

1. I have a good credit rate
2. I make all my payment
3. i do not w my credit rating affected.

I have 2 loans with EGG 6K each
I have one CC with MBNA 9K

I have spoken to a company..suppose i can name it on here. who will act on my behalf £95 per application.

I would keep my payment up throught the process.

If it is ruled that the CCA are not enfrceable so i didnt have to keep paying.

Would this affect my Credit Rating

Bazza66

Bodi wrote: »

I have spoken to a company..suppose i can name it on here. who will act on my behalf £95 per application.

Do not pay any company to deal with it - they wont do anything more that you cant do for yourself for FREE!!!!!

Absolut_Wench

GeorgeUK wrote: »

Wench, the only way he may get money back is if the debt was not his in the first place. He could send a subject access request to the DCA and they will need to provide a copy of all the information and documents they hold that relate to him. This costs £10 though.

If he has had bank charges, has he reclaimed these yet?

Thanks for that, I appreciate you taking the time to reply.

I'm happy to do that for him, to find out what it was. It would be great to get it back for him, as they are struggling and could do with the cash.

One thing does occur to me, from going down the SAR route - I can write a cheque, but surely he will need to sign the SAR letter? I'd prefer the DCA didn't get their grubby hands on his signature, as the lovely Activ Kapital who collected hundreds from him this year have recently set BCW onto him for another debt (yet again, we haven't a blimmin' clue what it relates to). I don't want his SAR signature "accidentally" ending up on other paperwork.

Does anyone have any advice on getting around this problem?

We've done a SAR with his bank, and their information shows he has never incurred any charges.

I think it might be the evil ex again - she did some dodgy stuff in his name whilst they were together :mad:

holley

Been reading these threads with interest I requested a CCA from Capital one and they have sent me back a standard letter - CCA regulated by the Consumer Credit Act 1974 it has no signatures on it and looks like a photocopy is there a follow up letter to send regarding this as it does not look legal
Thanks

stapeley

Yes , you now write and inform them that they have defaulted on your request and they should now remove all details they hold on you. There is a bog off letter on this thread somewhere !

ALIBOBSY

Re the signatures, we have a "financial sig" for agreements cheques etc and a "letter sig" for the DCA's et al. eg change the style slightly and add an obvious difference like a middle initial, big dot, heart shaped dot, smiley in an o......
Or add a line underneath or even through the middle to stop it being copied.

Re refunds going to the dca I have heard someone argue that they had other debts and they should get the refund direct to enable a fair allocation of it between the debts? Or even just stating you won't settle unless the cash is sent direct to you.

good luck

ali

pepe2008

Just a quick update. Requesting that CCCS withold payments to 1st Credit as it is now 3 months into default and, even making sure that they had a SECOND request for CCA, still nothing but waffle.
Bcrd, they took over from Goldfish ( CC since 2004 ), Defaulted them 19th Dec, thee days ago a photocopy of some old BC T&Cs, today another ( up to date T&C leaflet....wrong! and I have told them so in so many words.
All other CCA reqs were rec'd on 5 Jan ( 7 of them ) so fingers crossed.

BlueIsTheColour, if you get a letter from the Court Orders and Disclosures, Legal and Compliance Department of BCrd claiming that they have 'fulfilled their obligation under the CC Act, let me know please. Its b*ll*cks.

BlueIsTheColour

Sure will Pepe, have heard nothing yet, but as soon as I do I will let you know. They have had since September to "find it", that was the last letter they sent me, then life got in the way and I didnt follow it up until last week, so surely it should be there ready to send......Yeah right, doesnt seem like it does it!

Will let you know what or if they send anything so we can compare!!

Broken_hearted

Halifax phoned to say they don't have to provide it but they have something they are sending out instead.

oscar52

Stapely, George, Fermi. or any other expert on here.

I currently have a CCA dispute with HFC (sure you seen it so wont go into detail)

HFC sold their accounts quite a while ago but continued to "administer them"

My account has been sold to RBS - can I assume that the same would go for RBS as it would for a DCA - ie there is no vaild CCA i suggest you speak to HFC.

(sorry probably should have said marbles, and not HFC (though one and same)