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Cca Requests Updates Please

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  • ladyday
    ladyday Posts: 68 Forumite
    Hi, I'm just about to send a CCA request to Egg, I have two credit cards with them taken out at different times and they've sent a default notice for one and I expect the other account will be defaulted next week.

    As the accounts are still with Egg at the moment does the CCA request need to ask for "statement of account and notice of assignment" as well as the credit agreement, or are these only relevent if it's been passed to a DCA ?    [FONT=&quot] I'm not sure what they mean :o

    Also can I just double check here before I send it off if it's ok to request the CCA for both accounts in one letter with just the one postal order for £1 or is it £1 per account ?

    Thanks.

    [/FONT]
  • Lexicon
    Lexicon Posts: 25 Forumite
    ladyday wrote: »
    Hi, I'm just about to send a CCA request to Egg, I have two credit cards with them taken out at different times and they've sent a default notice for one and I expect the other account will be defaulted next week.

    As the accounts are still with Egg at the moment does the CCA request need to ask for "statement of account and notice of assignment" as well as the credit agreement, or are these only relevent if it's been passed to a DCA ?    [FONT=&quot] I'm not sure what they mean :o

    Also can I just double check here before I send it off if it's ok to request the CCA for both accounts in one letter with just the one postal order for £1 or is it £1 per account ?

    Thanks.

    [/FONT]
    I'm not an expert but I think that it £1 per account. You would also be better off sending them in different envelopes. Dont forget to send them recorded delivery and don't sign anything.
    Why put off till tomorrow what you can do today. If you like it today you can do it again tomorrow.:rotfl:

    Live every day like its your last, one day it will be.:A
    Work to live don't live to work:j
    There is nothing worse than doing a job you hate.:cool:
  • Lexicon
    Lexicon Posts: 25 Forumite
    HI,

    If a creditor is granted a CCJ against you does that mean that they have produced the original agreement to the courts?

    thanks
    Why put off till tomorrow what you can do today. If you like it today you can do it again tomorrow.:rotfl:

    Live every day like its your last, one day it will be.:A
    Work to live don't live to work:j
    There is nothing worse than doing a job you hate.:cool:
  • Lexicon
    Lexicon Posts: 25 Forumite
    Hi All,
    Look out for these hidden cost when using a debt management company.

    I have just stopped using a company call "Debt Free Me". We started using this company and a DMP in 2007. The first three payments where to be paid to them to cover their setup cost This totalled nearly £800 which could have gone to my creditors. Also, I found out recently and this was the straw that broke the camels back, thet where deducting £25 from my monthly payments for their admin fees. So I have decided to sack them.

    Could anybody recommend a reputable and free debt management agency.

    Thanks
    Why put off till tomorrow what you can do today. If you like it today you can do it again tomorrow.:rotfl:

    Live every day like its your last, one day it will be.:A
    Work to live don't live to work:j
    There is nothing worse than doing a job you hate.:cool:
  • ladyday
    ladyday Posts: 68 Forumite
    Lexicon wrote: »
    Could anybody recommend a reputable and free debt management agency.

    I can recommend CCCS as so far they've been great with my DMP and are used by lots here, there is also Payplan which a lot of people use, both free and reputable
  • Lexicon
    Lexicon Posts: 25 Forumite
    ladyday wrote: »
    I can recommend CCCS as so far they've been great with my DMP and are used by lots here, there is also Payplan which a lot of people use, both free and reputable
    Thanks for that. I'll check both of them out.
    Why put off till tomorrow what you can do today. If you like it today you can do it again tomorrow.:rotfl:

    Live every day like its your last, one day it will be.:A
    Work to live don't live to work:j
    There is nothing worse than doing a job you hate.:cool:
  • Lexicon
    Lexicon Posts: 25 Forumite
    I have, today sent the 12+2 default letters to my creditors:T. They have tried to get me to payup on the phone:eek:, but I refused:D. some have sent letters threatening court action:mad:.

    If a creditor is granted a CCJ against you does, that mean that they have produced the original agreement to the courts?:confused:

    thanks
    Why put off till tomorrow what you can do today. If you like it today you can do it again tomorrow.:rotfl:

    Live every day like its your last, one day it will be.:A
    Work to live don't live to work:j
    There is nothing worse than doing a job you hate.:cool:
  • aj2703
    aj2703 Posts: 876 Forumite
    magoogy wrote: »
    its been over a year since i did the cca request with studio and got the final letter saying the account would not be persued - now they have come back again like a bad penny asking for payment - do i reply to them or just ignore them? i have kept all communication from the very beginning and most of this account owed was made up of late payments/interest and other charges....

    Providing they haven't sent you the CCA i'd ignore it.
  • 10past6
    10past6 Posts: 4,962 Forumite
    Lexicon wrote: »
    If a creditor is granted a CCJ against you does, that mean that they have produced the original agreement to the courts?:confused:
    No, unless you challenge the debt, i.e in order to be awarded a CCJ, you have to admit the claim, if you dispute / deny the claim, then it's listed for a hearing, no CCJ is awarded until the outcome.

    If you admit the claim, the claimant is awarded a CCJ by default.

    That's why it's important never admit a claim, unless you're 100% sure you'll never challenge it in the future.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Lexicon wrote: »
    Could anybody recommend a reputable and free debt management agency.
    All of the above organisations are charities, and fully endorsed by MSE/DFW. Their advice is professional, confidential and free.
    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 DEBTS
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