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Cca Requests Updates Please
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CorrectThis does not make the agreement illegal or void
CorrectMonies owing under the agreement are still due.
IncorrectThis indicates an acceptance of the terms and conditions of the agreementClick 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 professional0 -
What's the next step then 10past6?No longer using this account for new posts from 20130
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You've made a legal request for your CCA, they've admitted they don't hold one, that's such a pity on themWhat's the next step then 10past6?
There error not your's, they've now entered default until the said document turns up (which it won't if they don't have it;))
The balls now in there court as to what they do, just sit back and see what happens next.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 professional0 -
oh no i have just sent the 12+2 letter i didnt omit the after 30 days an offence bit as i didnt know it had gone, what is the story now then is it offence after 12 days or has that been removed altogether and what will this mean now?? helpself confessed 80's throwback:D
sealed pot challenge 2009 #488 (couldnt tell you how much so far as i cant open it to count it!!:mad: )0 -
Don't worry, I made that mistake too. They'll just ignore that line - after all, they probably don't know the law in the first place!.
There is no criminal offence now, only that the account IS IN DISPUTE after 12+2 days if no CCA is produced. Accounts in dispute cannot legally attarct charges etc.
Good Luck0 -
They've had the 12+2 letter Rog, this was their reply.
Then they are 'in default' gemmz, and whilst they remain 'in default' they can not enforce the agreement without obtaining the permission of the Courts.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 -
Hi guys, sorry if I`ve posted this in the wrong place but it seems along a similar theme. Anyway I posted my request to MBNA 17/04/09 and have not recieved a reply, I did not post recorded delivery (I read that bit after) Should I send again or just send the follow up letter?0
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schoolrunner wrote: »Hi guys, sorry if I`ve posted this in the wrong place but it seems along a similar theme. Anyway I posted my request to MBNA 17/04/09 and have not recieved a reply, I did not post recorded delivery (I read that bit after) Should I send again or just send the follow up letter?
Whilst you can, generally, assume that a first class letter will arrive within two working days, it is always best to have some form of 'proof' of receipt.
How did you pay the £1 fee? If by Postal Order, then you can track that - if it has been cashed then it would seem reasonable to assume that MBNA have, in fact, received your request. If this is the case, then I would just send them the 12+2 day letter.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 -
blueforyou wrote: »There is no criminal offence now, only that the account IS IN DISPUTE after 12+2 days if no CCA is produced. Accounts in dispute cannot legally attarct charges etc.
Is that true of interest charges too?0 -
Thanks for the reply, I paid by cheque but at the same time sent a letter to another co. I know one cheque has cleared .I will need to check my bank to see which one.
Thanks again0
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