Cca Requests Updates Please

illgetthere

ok. Just to keep within the thread, i only received 1 of 3 ca requests and today is the deadline. So i will send the 2nd letters shortly and keep the post updated..

Ames

I've just received a CCA, so I've written offering token payments. Still waiting for the other I've asked for, I sent the 12+2 letter yesterday.

carriel_2

I sent off three requests last week & received my first reply this morning, it says 'contact has been made with the client & they are unable to provide us with the CCA, we have therefore returned your account to the client'

Is this good news?

I have noticed that all the constant phonecalls have stopped from all three collection agencies:T

rog2

carriel wrote: »

I sent off three requests last week & received my first reply this morning, it says 'contact has been made with the client & they are unable to provide us with the CCA, we have therefore returned your account to the client'

Is this good news?

Yes it is good news, carriel. It stops short of an admission that the 'debt' is unenforceable, and they appear to be 'covering themselves' in case the 'debt' re-appears via another dca.
You should keep all of the correspondence and, should another dca 'chance their arm' on this 'debt' in the future, then you should point out that you had requested a cca and were informed that the original creditor was unable to provide one, thereby rendering the agreement 'irrideemably unenforceable'.
Furthermore, since the Law forbids them to pass on your details to any other dca's then any further attemts to 'enforce' this non-existant agreement will be both vigourously contested and reported to the relevant authorities.

That said, I am sure that you have heard the last of it - well done. :T :T

kel123_2

carriel

If it had been outside the 12 working days after reciept plus a couple for uk postage then it would have been a good thing i.e. moveing a debt while in dipute. By moving it back they are trying to avoid this situation. My gut feelings are that you have to start the process again because the account isn't in dispute, others may disagree!

judy_

GE money has sent me the following letter reference First National Account

"I can confirm that as there is no current balance due or required in the future, we are no longer obliged under section 77-78 of The Consumer Credit Act 1974 to provide you with the information requested"


Hopefully that is an end to that

Judy

davek1

i have requested a CCA from Capquest for an old Cap1 cc account. they sent the normal application form, wrote tellin gthem it was unenforceable and they said "it sayd Credit agreement on it" so it does, also says application on it no terms and conditions no nothing. 4 letters later they still insist it's enforecable. I also asked them for the £906 charges on the account, funnily enough that's not their responsibility!!!

Still have written to them now asking them to sue me for the money as i believe the CCA is unenforeceable and will defend any claim as the account is in dispute etc.

Watch this space. I wonder if they will take me up on my offer. BTW the charges amount to more than the alleged outstanding debt

dave

rog2

judy_ wrote: »

"I can confirm that as there is no current balance due or required in the future, we are no longer obliged under section 77-78 of The Consumer Credit Act 1974 to provide you with the information requested"

Strange how these people can not accept defeat gracefully.

They are, indeed, no longer obliged to provide you with the cca, but if you had not requested it, you can bet your bottom dollar that they would still be chasing you for payment. Perhaps, in future, they should check their facts before bullying their 'alleged debtors'.

rog2

davek1 wrote: »

Still have written to them now asking them to sue me for the money as i believe the CCA is unenforeceable and will defend any claim as the account is in dispute etc.

Nice one, dave - I expect CRAPQUEST will even tell the judge that he is wrong. :rotfl: :rotfl:

misty_blue_2

misty_blue wrote: »

cca'd original creditor and got this back

account no *********

Dear ******
Your most recent letter has been passed for my attention with regard to the above numbered account.

After reviewing the account we have decided not to pursue this debt and no further collections activity will be taken. We must however advise you that details of the account will be registered with a credit reference agency.
Lenders consult these agencies when deciding whether to grant credit.
I trust this clarifies the position,
yours sincerely
*******

is this good or bad,

well today i have now received from grattans a notice of default, any ideas what i can do now,it states that i need to send full payment by 25/05/08 surely after receiving letter saying the are not pursuing this debt that this has to be wrong