Cca Requests Updates Please

cocker100

Not a happy bunny!!!

Having sent Equidebt a CCA request on 3rd March, I thought that the 12 days would be up today, and the extra postage day tomorrow, as they should have received it on the 4th and then start counting days from the 5th.

However, I was just double checking everything and checked the Royal Mail website to make sure it was delivered, and appartently it wasn't received and signed for until Friday 6th March, meaning that the day count started on Monday 9th March. So they still have until Tuesday 24th March to comply, and then to the 25th to send it!:mad:

Why does it take Royal Mail 3 days to send a letter 1st class recorded? The postal service is a complete joke, not to mention a rip off!!!

rog2

cocker100 wrote: »

Why does it take Royal Mail 3 days to send a letter 1st class recorded? The postal service is a complete joke, not to mention a rip off!!!

Unfortunately true, cocker - still a couple of days more shouldn't make much difference.

Tinkles

stapeley wrote: »

If time limit has passed, complaints should be sent to FOS. www.financial-ombudsman.org.uk

I would be grateful for your opinion. I did post a thread about this and have been pointed in this direction.

I requested my CCA back in June 2008, nothing was forthcoming so I complained to both Trading Standards and the Financial Ombudsman in October 2008. The DCA in question have since sent the requested documents to both of these organisations but never to me, have they fulfilled their obligations or not?
I'm really confused as they have also never sent me a statement of my account but claim to be adding interest daily and claim they have been since that date of default (Dec 2005), despite not having been assigned the account until over two years later (Aug 2007/April 2008 I have been given 2 different stories re this!) Can they do this??

Merlinexcalibur

Why does it take Royal Mail 3 days to send a letter 1st class recorded? The postal service is a complete joke, not to mention a rip off!!!

Afraid you will see probably a further decline, not to mention hike in prices once most of it is sold off to overseas companies. But that's for another thread, of course.

blind-as-a-bat_2

Just a bit of info for anyone getting letters from Littlewoods Finance Company Limited

as from the end of january 2009 they no longer hold a consumer credit liscence, so can not have anything to do with consumer credit agreemants, and the company is listed as dormant, so should not be doing anything at all, and if that is not enough they are not registered with the ICO either:D

But that only applys to 'Littlewoods Finance Company Limited' not any other littlewoods company.....for now;)

plim26

Hi,
Can you tell me what that means?

GeorgeUK

Tinkles, i was under the impression that they could only add interest if this was stipulated in the original credit agreement. You made no agreement with the company so you should only owe the amount that was due (if the debt is enforcable) when the debt was sold. If there is nothing in the agreement that states that a 3rd party will also be able to add interest, then i don't think they should be doing this.

Might need to ask on the consumeractiongroup to confirm the technicalities though. Same with the CCA request - you requested it so the documentation should have been sent to you. At least i think that's what the legislation says.

Merlinexcalibur

Just a bit of info for anyone getting letters from Littlewoods Finance Company Limited

as from the end of january 2009 they no longer hold a consumer credit liscence, so can not have anything to do with consumer credit agreemants, and the company is listed as dormant, so should not be doing anything at all, and if that is not enough they are not registered with the ICO either:D

But that only applys to 'Littlewoods Finance Company Limited' not any other littlewoods company.....for now;)

Ah, that might explain a thing or two ...

Merlinexcalibur

Been looking up interest ... found this:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/122022-can-dca-add-interest.html

RIANNA30

Hey there everyone,
Have been lurking around this thread for a while, taking it all in, but could do with some advice!

We are currently on a DMP with CCCS and have been since last June...After reading all of the info on here I decided to CCA those creditors who were not being very helpful, results so far:

Mint - Supplied valid CCA, never mind!

BOS, now with Moorcroft, Moorcroft have said they will put the account on hold until they have info from BOS, not heard anything from them since 20 Feb. They have received a 12+2 letter. BOS then sent through an apparent CCA but in actual fact was an application form and a copy of their current terms. Replied to them and kindly pointed this out. No response so far.

MBNA - Nothing received to date, 12+2 letter sent 09/3. Continued to receive snotty letters offering F+F at 30% but nothing with reference to CCA. Received letter from them yesterday advising the debt has been sold to Direct Legal, I shall wait to hear from them and start the CCA process again.

HSBC - Two credit cards which are now being managed by Metropolitan which I know is part of HSBC. CCA'd both, received a quick response stating they wouldn't comply with my request without a valid signature, wrote to them advising them this was not a requirement and that they had never questioned my identity before, data protection etc. Sent 12+2 letters also once time was up, now received another letter, identical to the first, requiring a signature?? They don't appear to be listening....What should I do next?

Also, CCCS have said they will not hold payments to Moorcroft,even though they have put the account on hold, or in fact any other creditor. This seems to undermine the whole process as I have informed all of the above (except Mint) that the account is now in dispute. So now it seems that my only option is a self administered DMP.....I am happy with this in the sense that I have dealt with all the creditors so far and have only spoken once or twice with CCCS, however, my concern is that those creditors who have been very good (Halifax,Barclaycard and HSBC Loan and bank accounts) may change their tactics if I start making the payments instead of CCCS, I guess I feel that CCCS carries a bit more weight!
CCCS seemed very disapproving of the CCA process but BOS and MBNA have definitley had their money from us over the years with extortionate interest rates, so if I can put their payments to clearing off some smaller debts it would bring forward our debt free date considerably!

Sorry for such a long post! Any thoughts or advice would be appreciated!