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Cca Requests Updates Please
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georgiasmum wrote: »I have reported each DCA to trading standards each time previously in particular AIC. Trading Standards sent me 'standard letters' acknowledging my complaint. Do trading standards have any real teeth?
You sometimes have to keep on at them, but they 'can' show their teeth - have a look at the article that blueforyou posted yesterday:
http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6074192.ece
They (OFT) certainly seem to be watching the 'dodgy' debt collection industry at the moment - probably because of the credit crunch.
I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
I did a request from Fredrickson last year in April, sent them all the relevant letters including the 12+2+30 which was before the law changed. Now they have sent me an agreement - which I recieved today. Next move from here would be what? Thanks in advance0
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MoonRose77 wrote: »I did a request from Fredrickson last year in April, sent them all the relevant letters including the 12+2+30 which was before the law changed. Now they have sent me an agreement - which I recieved today. Next move from here would be what? Thanks in advance
Firstly - have you checked that the 'agreement' that they sent you is a true copy the original executed cca and that the terms are compliant with the requirements of the Consumer Credit Act, 1974?I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
M&S being a nightmare. they claim to have no complaints proceedure, no nothing of CCAs and are still piling on charges etc.
They are starting to make Halifax look friendly. Their only tactic when you phone is to be rude and repeatedly say you are shouting while ignoring everything you say anyway.
We did get a callback which we were told we should be grateful for and won't get another as we were not in to answer it.Barclaycard 3800
Nothing to do but hibernate till spring
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Firstly - have you checked that the 'agreement' that they sent you is a true copy the original executed cca and that the terms are compliant with the requirements of the Consumer Credit Act, 1974?
Can I post it so someone else can check as well as me - would rather have another person check in case I miss something0 -
I'm about to start doing my DMP on my own. How far have people gotten with requesting CCAs? Anyone past the 3rd letter stage?
I suppose DCAs are easier then say credit card companys.
If any debts become unenforceable will the creditors default me?0 -
MoonRose77 wrote: »Can I post it so someone else can check as well as me - would rather have another person check in case I miss something
By all means, scan and post it on this thread - just remember to remove any personal details first.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
If any debts become unenforceable will the creditors default me?
They are not, legally, allowed to enter a default whilst they themselves are 'in default'.
However, many dcas tend to 'ignore' this 'small technicality' and carry on with defaults regardless - if this appens, then there are ways of dealing with it.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
They are not, legally, allowed to enter a default whilst they themselves are 'in default'.
However, many dcas tend to 'ignore' this 'small technicality' and carry on with defaults regardless - if this appens, then there are ways of dealing with it.
I think my 2 defaults are from being past to DCAs anyways.0 -
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