Cca Requests Updates Please

rog2

nirelandguy wrote: »

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

Sounds like a good plan to me, nirelandguy. There are some good template letters, for token payments on the National Debtline website.
Good Luck.

RAS

nirelandguy wrote: »

Grr Capital One and Bank Of Ireland Credit cards have supplied me with CCA's from 01 & 03,

With the older debt, did you make payments inthe intervening 6 years?

stapeley

Now had 7 calls to my mobile from a company appointed by a DC, have refused to speak to them . This is dispite pointing out the form supplied in response to a CCA request was eligable.

misty_blue_2

cca'd original creditor and got this back

account no *********

Dear ******
Your most recent letter has been passed for my attention with regard to the above numbered account.

After reviewing the account we have decided not to pursue this debt and no further collections activity will be taken. We must however advise you that details of the account will be registered with a credit reference agency.
Lenders consult these agencies when deciding whether to grant credit.
I trust this clarifies the position,
yours sincerely
*******

is this good or bad,

stapeley

:j good news :j They have given up because they have not got hold of a true signed copy of a CCA . Please post afew more details , name of DCA , OC ETC cheers

amyhill

Hi all. Does anyone know whether or not a debt to the moneyshop for a 'cash till payday' loan would be covered by a cca? Basically you give them a cheque for one hundred pounds and they give you cash in exchange and then cash the cheque after payday. Unfortunately the cheques bouced and I now have a dca called chantrys chasing me for the outstanding amount. Just wondered whether the cca request applied to this area of credit. I cant remember whether I signed an agreement or not as it was a few years ago.

Thanks

Amy x

stapeley

I doubt that you would not have signed a cast iron agreement . In this case I would write to the DCA and try an workout a payment plan with them .

misty_blue_2

stapeley wrote: »

:j good news :j They have given up because they have not got hold of a true signed copy of a CCA . Please post afew more details , name of DCA , OC ETC cheers

thanks so much for the reply stapely,
the creditor was grattan catalogue, i rang them in march as i was having difficulty paying, i had never missed a payment to them or been late in nearly seven years of having the account, the bloke on the other end was really nasty to me and had me in tears at the end, i offered to pay but they refused my offer, i tried to explain to him i was now severely disabled and was trying to be responsible but he wouldnt have it , so in the end i though blow it i will send a cca,
i didnt not want to pay, i just wanted a bit of understanding, it's a shame my credit rating will be affected, but quite honestly if they can treat good paying customer like this i dont want anything to do with credit again,

rog2

misty_blue wrote: »

cca'd original creditor and got this back

account no *********

Dear ******
Your most recent letter has been passed for my attention with regard to the above numbered account.

After reviewing the account we have decided not to pursue this debt and no further collections activity will be taken. We must however advise you that details of the account will be registered with a credit reference agency.
Lenders consult these agencies when deciding whether to grant credit.
I trust this clarifies the position,
yours sincerely
*******

is this good or bad,

That certainly is good news, but they have no right to pass your details to a credit reference agency. In fact, if they are unable to provide a cca then they must remove any 'defaults' from your credit file.
The tone of their letter almost implies that they are doing you a favour, rather than respecting the law.
I am going to think about this one, but I would suggest a letter, acknowledging their letter, whilst at the same time pointing out their legal obligation not to pass your details on to any third party and to remove any defaults from your crf.

fermi

rog2 wrote: »

In fact, if they are unable to provide a cca then they must remove any 'defaults' from your credit file.

I wish that was true, but at the moment it does not seem to be the case Rog.

You can try to get the defaults removed and some people have in the past had the creditor/DCA comply with such a request.

But at the moment the Information Commissioner's Office does not appear to upholding complaints when it is argued that a creditor has no right to mark your CRF's when they can't produce an agreement.

However, if it has been a long time between when it is fair to say that the original account had been defaulted and the placing of a record of it on the CRF's, it appears that it can sometimes be argued that the placement of the default in those circumstances is unfair. The ICO's guidance gives a general "guidance" time limit of about 6 months, but in a complaint they would look at it on a case by case basis to see what was reasonable.

This is useful: ICO Technical Guidance Note - Filing defaults with credit reference agencies