Cca Requests Updates Please

UNCLE_BUCK

hi stapeley,

would your advice still apply even tho the account in question that i transfered the balance to i have had for 7 years, i did not sign a new document when i transfered the balance.?

stapeley

UNCLE_BUCK wrote: »

hi stapeley,

would your advice still apply even tho the account in question that i transfered the balance to i have had for 7 years, i did not sign a new document when i transfered the balance.?

Worth a try then .

Coffeetime

Coffeetime wrote: »

Yesterday a DCA sent a letter informing me that

"unfortunately *****(dca) has not been able to provide you with the requested information within the relevant time period. We have worked hard...... blah blah, original lender hasnt located it.......

Although we are dependent on the original lender for the information, the relevant time period has now expired. However we shall continue to request the information from the original lender................ We hope to receive the relevant information soon."

So looks like these cannot come up with a valid CCA, do i now resend my F&F that they refused at the beginning of the year?




Whats your thoughts on this one?

Sent a reply today, didnt mention about F&F. I'll leave it up to them to find a resolution.

They have 7 days from they received it to reply or send a valid CCA.

lipstick

Hi ive had another letter from lowells. I have followed the procedures and sent the 12+2 day letter to Lowell. They have wrote back saying they have 42days before a debt becomes unenforceable. I have been reading past post and believe this is not true. However should I write back to them and say its not true or would I be just wasting my time?Thanks

Bazza66

lipstick wrote: »

Hi ive had another letter from lowells. I have followed the procedures and sent the 12+2 day letter to Lowell. They have wrote back saying they have 42days before a debt becomes unenforceable. I have been reading past post and believe this is not true. However should I write back to them and say its not true or would I be just wasting my time?Thanks

Standard letter - I got the same. They are actually wrong but they are trying to buy time. Chances are they will not get the CCA. So no need to write back. You will get another letter on the 12+2+30 saying the have closed probably but may get some inbetween offering you a 60% discount - just ignore.

Merlinexcalibur

Lipstick, if any consolation but I am getting the same (almost) treatment from that DCA as well. Stalling tactics.

Regarding the 12+2 letter. Which I haven't done for this one but is it a necessity to do one? Eg just for the papertrail?

but may get some inbetween offering you a 60% discount - just ignore.

Yes, they already did that with mine. Ignored it, though. Because I knew what the purpose of it was. It was rather cunningly dovetailed a couple of days before I got the letter from the creditor saying they couldn't find the agreement.

cocker100

Hi all,

This keeps getting better and better.

I've today received another letter in responce to my "Account in dispute" letter sent at the end of January.

In it they appologise for the delay in responding to my CCA request sent on 1st October!!! They claim this was due to a "high volume of such requests"!!!

They go on to say that, and I quote, "I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help"

And then, "As long as you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by 11th May 2009 I will close my file"

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

Err, yes, there is. SEND ME MY ******* CCA!!!!!!!!!!!!!


This is a final responce letter to my complaint, yet they haven't sent me the CCA!

Also, received a letter on Saturday asking why they hadn't received the DMP payment.

Err, because I've removed you from it due to your non compliance as stated in my "Account in Dispute" letter.

To further complicate matters, my credit file is still showing account settled, but now there is a default also registered! They cant do this whilst the account is in dispute though, can they?

Any advice as to my next move or should I just leave it and see what happens next?

Cocker:)

lipstick

Hi thanks for the advice Bazza66 and Merlinexcalibur.

Regarding the 12+2 letter. Which I haven't done for this one but is it a necessity to do one? Eg just for the papertrail?

I would just do one to ensure you have done everything correctly and they have no come back on you.

Merlinexcalibur

Thanks, anyone know where it is? I used to have every letter under the sun for whatever purpose it seemed a while ago. Then things happened, lost all that data. I suppose I could trawl through either MSE or this thread ... I may be gone some time.

Bazza66

Merlinexcalibur wrote: »

Thanks, anyone know where it is? I used to have every letter under the sun for whatever purpose it seemed a while ago. Then things happened, lost all that data. I suppose I could trawl through either MSE or this thread ... I may be gone some time.

Template letters can be found here

http://forums.moneysavingexpert.com/showthread.html?t=963087

Note there are 2 versions of the 12+2 letter so make sure you look at both and send the one you feel is better for your situation.