Cca Requests Updates Please

blind-as-a-bat_2

cocker100 wrote: »

Hi,

I've heard from them a couple of times. Once from when I first started the DMP (about 18 month ago). Lloyds then accepted the DMP for 12 month, but then stopped and demanded full payments again, so then got another solicitors letter. Thats when I sent Lloyds a CCA request.

Heard nothing from them now for months, but strangly nothing from Lloyds either. Not even to acknowledge receipt of my letters.

Until now that is!........

That sounds about right:rolleyes:

I get the feeling they go after the 'soft' targets first, i have had the same, no responce from LTSB to any letter i sent them, including a CCA, followed by threats from Sechiari, Clark & Mitchell Solicitors, told them LTSB where in default of a CCA request, all of a suden i get a letter from LTSB, a month and a half later i get an unreadable alleged agreemant, which does not comply with the CCA act.

More threats from Sechiari, Clark & Mitchell Solicitors, told them what LTSB have sent is a load of rubish, sent LTSB a formal complaint, then nothing since november last year

LTSB are not very good at communication, or following the rules:rolleyes:

bathgatebuyer

I had a knock back in my case from the FOS who said that it was not really an outlet for these types of disputes to be resolved.

I still have my PPI reclaim with them awaiting for a decision, but in respect of the CCA matters, the decision was not what I wanted (it was what I expected though!)

stapeley

blind-as-a-bat wrote: »

Your starting to enjoy this arnt you BH
:rotfl:

Maybe BH is starting to see our way of thinking ! Welcome to the real world .

Broken_hearted

stapeley wrote: »

Maybe BH is starting to see our way of thinking ! Welcome to the real world .

In all honesty. NO it's a living hell not knowing what is going on. At least when something is being paid there is a level of control. When no-one will take payment but still demand acknowlegement of the debt it does your head in. Still in 5 years 8 months it will drop off:rolleyes:.

stapeley

No news is good news ! stop worrying about it .

A[L]C

Hi all,

I sent a CCA request to Aktiv Kapital months and months ago. Hear nothing until today.

They have said

In your recent letter you have suggested that the account has nothing to do with you and have requested documentary evidence, such as a copy application form.

Under the Data Protection Act, we are unable to disclose personal details. You claim the account is not your and we would therefore be in breach of the Data Protection Act if we were to disclose any details of this account to you at this stage.

In order that we can investigate the matter, please forward a copy of an official document, which shows your name, date of birth and signature. In addition can you please provide us with your previous addresses since 2004.

On receipt of that, we will investigate the matter further and revert back to you.

A pre-paid envelope is enclosed for your convenience and we will look forward to hearing from you as soon as possible.

What should I do? They dont seem to have anything or Im sure they would have sent it wouldnt they? Also they didn't include a pre paid envelope as the letter says.

Many thanks

blind-as-a-bat_2

A[L]C wrote: »

Hi all,

I sent a CCA request to Aktiv Kapital months and months ago. Hear nothing until today.

They have said



What should I do? They dont seem to have anything or Im sure they would have sent it wouldnt they? Also they didn't include a pre paid envelope as the letter says.

Many thanks

I would reply- i will provide a copy of an official document, which shows my name, date of birth and signature once you send me a copy of an official document (such as a CCA for example) to prove you have something to compare it against;)

GeorgeUK

A[L]C - if they are not sure your owe the debt, they shouldn't be chasing you for payment in the first place. If they are sure you owe the debt then they shouldn't have a problem in providing the CCA.

Do not provide them with anything that has your signature on it.
Do not phone them - or they will constantly call and harass you.

You have provided everything required of you form the Consumer Credit Act when requesting a copy of the CCA with £1 fee. They are in breach of the Act by not fulfilling their legal obligation.

When was the last payment you made towards the debt?
Was there ever a period where no payment had been made for 6 years (5 in Scotland)?

A[L]C

GeorgeUK wrote: »

A[L]C - if they are not sure your owe the debt, they shouldn't be chasing you for payment in the first place. If they are sure you owe the debt then they shouldn't have a problem in providing the CCA.

Do not provide them with anything that has your signature on it.
Do not phone them - or they will constantly call and harass you.

You have provided everything required of you form the Consumer Credit Act when requesting a copy of the CCA with £1 fee. They are in breach of the Act by not fulfilling their legal obligation.

When was the last payment you made towards the debt?
Was there ever a period where no payment had been made for 6 years (5 in Scotland)?

No unfortunately not.

So should I just ignore them for the time being? From what I can tell they're in breach of the cca request so cant legally pursue it.

stapeley

A[L]C wrote: »

Hi all,

I sent a CCA request to Aktiv Kapital months and months ago. Hear nothing until today.

They have said



What should I do? They dont seem to have anything or Im sure they would have sent it wouldnt they? Also they didn't include a pre paid envelope as the letter says.

Many thanks

You could point out a COPY OF A SIGNED CONSUMER CREDIT AGGREMENT was requested and a copy application form is not satisfactory .