Cca Requests Updates Please

stapeley

Heres a thought ! If you are disputing an account with a DCA , and they have bought the debt from the OC . If it is a CREDIT CARD account , how likely is it that all the monthly statements are forwarded to the DCA ? Say you were with a CC company 6 years , there should be 72 monthly statements available . Given that some of the DCA can not provide a CCA , WHAT ARE THE CHANCES THEY HAVE COPIES OF 72 MONTHLY STATEMENTS ?
For a court case you are entitled to see all documents that the other party are doing to rely on in court . If an account is in dispute , could be that you are unsure the amount claimed is correct . Providing the monthly statements showing all spending and any payments is vital .
I bring this point up as I was sent a years worth of statements from DCA . Only trouble was , for them , one month was missing ! And as I paid monies into the account online without really checking payment the next month , I am sure I made a very large payment that month !

stapeley

Any thoughts on last post ?

poptart1_2

Today I have sent for a copy of cca from a company called EOS ,for a debt of mine passed to them by Grattan, I have had the account with Grattan for approx 12yrs, so what chance do you think I have in them providing a CCA, has anyone had dealings with EOS? Feel a bit scared now after reading oher posts on this,too late now its on its way to them!

compulsivespender79

Just a very brief update from Trading Standards - the gentleman dealing with my case is now referring it to a colleague in the Enforcement Section. Not a clue what that means for me really!

stapeley

It means they will file it !

shinyhead

andrewman wrote: »

on march 31st i sent moorcroft a CCA request with the required fee,they got it on the 1st of april, i have proof of delivery and copies of receiving persons signiture, I should have received a reply by 22nd april, but as of yet no cca even thoygh they say they are getting it from my original lender, if so then why has my debt been sold to moorcroft without all the paperwork. I have no funds until monday to send a reminder to them, i did try to send a second notice via internet but their site email is not working.

Did you get aletter of assignment from the original lender stating that they wwere passing you on to a DCA, who it was etc? If not then they have not followed the correct legal procedure. It is also my belief that debts are sold on with no [paperwork at all apart from name adress account no etc.

rog2

stapeley wrote: »

It means they will file it !

That is, unfortunately, all too often the case. However, if the dca is well known at Trading Standards they may well follow it through, or even use it to build up a case for rescinding the licence of that particular dca.
You would, shineyhead, be perfectly entitled to enquire, after say one month, what action TS have taken in your particular case.

System

Grr Capital One and Bank Of Ireland Credit cards have supplied me with CCA's from 01 & 03, didn't think they would of kept them, and they are the real things which say everything they are supposed to

rog2

nirelandguy wrote: »

Grr Capital One and Bank Of Ireland Credit cards have supplied me with CCA's from 01 & 03, didn't think they would of kept them, and they are the real things which say everything they are supposed to

Small comfort, nirelandguy, but at least you can, now, look at all of the options for dealing with the debts.

System

rog2 wrote: »

Small comfort, nirelandguy, but at least you can, now, look at all of the options for dealing with the debts.

Very true, any creditor which supplies me with a CCA I will treat as priority, the rest will get £1 per week until I have my priority creditors paid