Cca Requests Updates Please

fermi

Most people seem to be of the opinion that a CCA request on an overdraft still requires the creditor to provide an up to date statement of account.

Where exactly you stand legally with your "consolidated" debts in relation to the original accounts is uncertain from the information you have posted.

I agree that it would be a good idea to pop over to the CAG forums. I PM'd you a link to their "legal" forum last night, since they are probably the best people to advise you if you are considering defending the claim.

stapeley

Seems that In many cases the DCA,s are threatening court action .This is scare tactics , if they have not produced a copy of CCA . It is a very worthwhile exercise to log on to the CAG website where court actions are being defended .

Broken_hearted

One post then I'm out of this thread. I can understand if someone thinks they may have a debt wrongly assigned to them but anyone trying to use this to get out of paying a debt they kow they owe should be ashamed.
If you can't afford YOUR debts go bankrupt this isn't consumer revenge its consumer greed and if Martin condones this he's as bad as the rest of you.

Ames

Does anyone have a link to the 12+2 letter, I can't find it and really need to get it sent off asap. Also, do I send it recorded delivery like I did the first one?

fermi

Broken_hearted wrote: »

One post then I'm out of this thread. I can understand if someone thinks they may have a debt wrongly assigned to them but anyone trying to use this to get out of paying a debt they kow they owe should be ashamed.

I can sort of understand where you are coming from. Although I don't think there will be much sympathy here for DCA's who have bought debts for next to nothing when the original lender has effectively written them off, and who then go on to try to collect the full balance (and more).

As far as I'm concerned the CCA request is a legal request that you are entitled to make. Failure to comply or provide the adequate documentation simply effects whether the DCA/creditor is entitled to enforce an agreement through the courts or otherwise.

What a person chooses to do in the light of that is up to them.

Ames wrote: »

Does anyone have a link to the 12+2 letter, I can't find it and really need to get it sent off asap. Also, do I send it recorded delivery like I did the first one?

There are quite a few different versions that people have put together in the past.

Here is one: Letter.

But if you search then you can probably find some others.

stapeley

Broken_hearted wrote: »

One post then I'm out of this thread. I can understand if someone thinks they may have a debt wrongly assigned to them but anyone trying to use this to get out of paying a debt they kow they owe should be ashamed.
If you can't afford YOUR debts go bankrupt this isn't consumer revenge its consumer greed and if Martin condones this he's as bad as the rest of you.

I will wait for judgement day then repent ! In the meantime I will do anything and everything legally allowed to keep my head above water !

kel123_2

We in this country have been brained washed over the years to accept what is dished out. Basically it started after WW1 and got into full flow after WW2 when our moralistic society started to kick in. One of the biggest is sex before marriage - I do my family tree and before WW1, 9 out of 10 of my ancestors were pregnant as they walked down the isle, this is not just my familly but is reflected across others that I have spocken to. Durring this time (just after WW1) we were told that experts/proffessionals know best and that they are looking after our best interests (this imho was the start of rip it off Britain). Spain on the other hand did not go through this and I think it is well documented about prices and there attitude to life. I think that we started to become awere of this through education and as gathered momentum since the 70's but we have still a long way to go before we banquish this moral stance. Money has no morals and because of this properganda of the expert/professioal knows best 'a fool and his money is easily parted', I include myself in this! So stapley I will not wait for judgement day, I will do my part to speed up the momentum further and baquish the rip off'ers to were they belong firmly back in the 50's and 60's

Kel
p.s. from reading your posts stapeley I think you are already of that mind. But it seemed a good way to finish

stapeley

well that was well setout and clear ! Not sure if it was a for or against !

kel123_2

Definately for! by all and every LEGAL means posible

rog2

Broken_hearted wrote: »

If you can't afford YOUR debts go bankrupt this isn't consumer revenge its consumer greed and if Martin condones this he's as bad as the rest of you.

Whilst I admire the way that you are tackling your own debt problems, BH, it is worth remembering that the LAW is there for the protection of everybody. Provided that a creditor adheres to the Law, then that creditor/dca should have no problems in enforcing any related agreements.
Equally, though, we see no end of situations on this forum where creditors and, more notably, Debt Collection Agencies, flout, abuse and even ignore Laws in order to collect monies, often from those who can least afford to pay and, in many cases, where that 'debt' is legally unenforceable.
I, most certainly, do not advocate the avoidance of genuine debt, but I certainly do have a problem with the way that some creditors and dcas will stoop to the lowest possible level in collecting 'debts'.
The Credit Industry has recourse to the Law, and must respect it. Often, in their insatiable greed, they will 'bypass' certain legal requirements in order to start 'earning interest'. If they have done so, or in any other way disregard the Law to further their interests over and above those of the debtor (their customers) then they deserve to be hit with the same Laws that they have chosen to ignore.
That, my dear Broken Hearted, is Consumer Revenge.