We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Cca Requests Updates Please
Options
Comments
-
I'm a bit confused. If a company fails to send a CCA or the CCA is not signed, does this mean you do not have an enforceable loan or credit card.0
-
keithboy40 wrote: »I'm a bit confused. If a company fails to send a CCA or the CCA is not signed, does this mean you do not have an enforceable loan or credit card.
No, not exactly, the regulations that describe a 'True copy' does not require an 'Exact copy'
Its a game the creditors use to get out of sending an 'exact copy'
The problem is, that may mean they dont have one, so there stuffed, or its in storage somewhere and they cant be bothered going to find it, untill it reaches court that is:rolleyes:
Its there way of keeping you guessing, and more importantly, paying.
Ever played chicken? Where you any good at it?;):DThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
0 -
Sorry if this is an ignorant question, but what is a CCA?0
-
Sorry if this is an ignorant question, but what is a CCA?
Consumer Credit Agreement -It is the document that outlines the statutory terms. This is the whole crux of this thread - simplifying things, but if they can't provide a correctly exexuted agreement, they cannot enforce the alleged debt.แล้วไงต่อ0 -
Thanks, good to know.0
-
Can someone please let me know - if a default has been issued, can I still send the 12+2 letter?แล้วไงต่อ0
-
thought i would add on here what has happened to me most of mine have said they are looking for my cca, cap 1 have sent me a cca but nothing signed and now sending letters saying they want the money and argos sent my oh's cca but in the middle was a private letter which was for someone else dated 2007:eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.500 -
Well after 1 year and 5 months , and several differant DCA . The OC have now started sending text messages for me to ring them .This followeds the 40% DISCOUNT offer. All I have ever recieved from anyone is a copy of an application form .0
-
Send a copy to OFT they should be in big trouble for that !thought i would add on here what has happened to me most of mine have said they are looking for my cca, cap 1 have sent me a cca but nothing signed and now sending letters saying they want the money and argos sent my oh's cca but in the middle was a private letter which was for someone else dated 20070 -
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards