Cca Requests Updates Please

fermi

suz7 wrote: »

I've received copies of my credit card statements from Cahoot today with what looks like a standard letter about claiming back bank charges. They also thank me for the £10 (?what £10) I sent a £1 postal order. 12+2 up on Tuesday.

Looks like they have got your request muddled up with a SAR, which is often used to get the details of charges in a reclaim and costs £10.

Well, that's their problem.

rog2

suz7 wrote: »

I've received copies of my credit card statements from Cahoot today with what looks like a standard letter about claiming back bank charges. They also thank me for the £10 (?what £10) I sent a £1 postal order. 12+2 up on Tuesday.

Sounds about 'par for the course', suz. Just ignore it and send the 12+2 day letter, that you will find in the following link:

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

Good luck

incesticde

I was nudged into this action about three months ago with my last debt

Read all about it here http://forums.moneysavingexpert.com/showthread.html?t=756749

No cca was provided and they wrote off the debt (all 3.1K of it)

:j:j:j

Can I claim the money back that i have paid? Or shall i just leave it at that?

andrewman

I have just today received a letter from moorcroft debt recovery, with regards to my cca request. they state they are obtaining said paperwork.

in the letter they also say they need info on what evidence i may use against them in court, what a cheek asking for my evidence, well they will not get it. also they have until 22nd april to comply with my CCA request. i am attaching letter to this post so all can see what they have to say.


Moorcroft House, P.D. Box No. 17, 2 Spring Gardens, Stockport, Cheshire SK1 4AJ.Telephone 0161 4752B5B. Fax 0161 477386416th April 2008bear Mr I refer to your recent correspondence. We are continuing to seek to obtain a copy of the Consumer Credit Agreement that you have requested. Our systems provide for reviews to be sent to our client on a regular basis and this we are continuing do. I will contact you again just as soon as the agreement has been made available to ourselves and confirm that at this stage the account has been placed on hold and that we will not seek to enforce the debt until such time as the agreement is obtained.In the meantime however we believe that it may be of assistance to all parties if we also take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant statutory authorities in relation to the alleged subject matter of the account.Please could you provide this information by return. We believe that this is a simple request that will assist in ensuring that all possible areas of dispute are identified as quickly as possible and potential costs and delays kept to a minimum level.I thank you for you assistance and patience in this regard.Yours sincerely-».-...................-..-::::::::.<:..' :;) .-'

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-;:::. ,.- -...........Mrs K Dyde Operational Support SupervisorRegistered Office: Moorcroft House, 2 Spring Gardens, Stockport. Reg. No. 1703704 England. VAT Reg No. 453109273:cool:

rog2

andrewman wrote: »

in the letter they also say they need info on what evidence i may use against them in court, what a cheek asking for my evidence, well they will not get it. also they have until 22nd april to comply with my CCA request. i am attaching letter to this post so all can see what they have to say.

Yet another attempt to divert your attention away from their legal obligations, am.
You are under no obligation whatsoever to enter into any dialect with them. They, however, are under a legal obligation to provide you with a true copy of the original signed consumer credit account.
The 'contents' of their 'letter' are irrelevant to your request for the cca.

Leixlip1

I've had the same letter from Moorcroft and ignored it. Several weeks later I've heard nothing from them and they are now 3+ months past the date they should have supplied the CCA by.

shinyhead

Hi all,
Sent some CCA requests last month, the 12+2 day point is next week. Had in the post 2 replies, one sent special delivery! But, this one has no CCA in it! It has a copy of my application form but there are no terms and conditions. Basically it does not have a reverse side where the T&Cs I take it uually are. There was a letter with it and it says that they cannot find the 'executed legal agreement' and will send a copy when they find it.

The other one looks pretty genuine though. Looking at it for the first time the only thing I could fault with it is I couldn't see a signature or stamp by the bank. Looking more carefully I spotted a signature at the top of the page with a printed date by it. But it's just there IYSWIM.

Can anyone advise what I should be really looking for?

fiveyearplan

I sent MBNA a CCA request and they sent back our cc application form. They have now issued CCJ papers so I will be sending in a defense. Has anyone gone this far? If so, what defense did you use? The T&Cs they sent were on a separate sheet of paper and have a different form number to the application form.

Can anyone help?

fiveyearplan

I also sent Cahoot CCA request and they have sent nothing except my £1.00 postal order saying they don't charge for that information (they don't provide it either!). Who do I need to write to and what do I say to report that they haven't sent CCA?

System

I have also received back CCJ paper from MBNA, Now my problem is if they do have my CCA I will end up with a CCJ, and I bet the judge will order me to repay more than I am currently repaying on my DMP which I can't afford, this it turn will annoy other creditors and I could easily end up with a dozen CCJ's if this back fires.

Any advice appreciated