Cca Requests Updates Please

westmids_3

thank you , is ther any letter i need to send to the new dca..or do i just send a standard letter stating that the account is in dispute?

also.. i cca'd additions.. they have not replied to my cca request but they have accepted the £1 postal order off my account balance.. do i need to resend them a letter ? many thanks

Mazzy187

Someone has said that the banks/CC company's do not need to abide by any time scales now ! Is this true ?

Lloyds TSB ignored first 2 letters, and after we wrote to say that they were in default and did not acknowledge debt, they have come back and apologised for the delay in responding due to high levels of this type of request and would get back to us in 28 days.

What happens now ? do they just have forever to find an agreement ??? I don't understand now !! Please help someone !

Lovella

Got my first response in the post today from crapquest, they have sent a holding letter really which confirms that the account is now on hold for 28 days while they obtain the information I require.

I have two questions:

1) should I stop my payment to them this month (through Payplan on a DMP, so not sure how I would start that conversation with Payplan!);
2) should I just carry on with my own 12 plus 2 timeline and ignore their 28 day thing?

James3891

Hi West Mids, my mums vanquis debt was 1st credit and she had a payment plan and used a card they sent her each month suddenly it jumped to courtlink , CCA'd courtlink 3 months ago and heard nothing since so looks like vanquis might not have any CCa's kicking around.Just sent a letter saying they are in default so will see what happens.It seems rotten to agree a plan with one then another DCA takes over with no notice.

Lovella

Lovella wrote: »

Got my first response in the post today from crapquest, they have sent a holding letter really which confirms that the account is now on hold for 28 days while they obtain the information I require.

I have two questions:

1) should I stop my payment to them this month (through Payplan on a DMP, so not sure how I would start that conversation with Payplan!);
2) should I just carry on with my own 12 plus 2 timeline and ignore their 28 day thing?

Can anyone help with some advice on this? Need to work out what to do with next DD soooooooon.

blueforyou

MS_Dolphin wrote: »

I've had a settlement offer from MBNA that is acceptable - subject to terms.

This is what they have written. I'd be grateful if anyone could tell me if this is sufficient.


As per our conversation today, I am pleased to confirm that Mbna have accepted £XXX to partially settle your credit card account. The current balances on the account is £XXX. Once the £XX is full paid sixty days after the first payment from June 2009, the remaining balances will be written off and you will no longer be pursued for the debt.
This will register as a partial settlement on your credit file for the next six years.
.............
Kind Regards,
XXX XXXX
MBNA

This is what I received. I wrote and said OK, but on a full and final basis. They have not contacted me since (about 6 weeks now). I'd insist on full and final. Whatever do they get out of knackering up your credit for 6 years anyway?.

maz1964

blueforyou wrote: »

This is what I received. I wrote and said OK, but on a full and final basis. They have not contacted me since (about 6 weeks now). I'd insist on full and final. Whatever do they get out of knackering up your credit for 6 years anyway?.

i would report them to oft if they do not respond , and i personally would want a guarrantee they dont actually sell on the rest of the debt to some dca

i just dont trust them at all

good luck maz

blueforyou

maz1964 wrote: »

i would report them to oft if they do not respond , and i personally would want a guarrantee they dont actually sell on the rest of the debt to some dca

i just dont trust them at all

good luck maz

Your right Maz. Trust is a word these morons can't spell let alone aspire to.

MS_Dolphin

I've spoken again to Barclaycard today who are sticking firm to the line that they don't need to send a copy of the credit agreement, either in response to a CCA request or SAR.

For the CCA they say that T&C's and a statement of account are enough to meet their obligations. They say they've never had a judgement against them from the ombudsman in relation to this.

For the SAR they say that they need to send statements going back 6 years and don't need to send the agreement.

So, I say they do, they say they don't. What happens next? They keep adding charges and attacknig my credit rating and threatening to sell it on to an outside DCA.

How do I get this moving to the next stage?

Weekend_warrior

Hi All,

I need some more advise!
Today I received a letter from Aktiv Krapital saying :-
You have disputed the account and requested supporting documentation in respect of the balance.
To this end we have enclosed the copy statements.
( The copy statements are computer print outs of my disputed account payments and letter charges once I defaulted, they also show my last payment to this account was in March 2001)
In Dec 2008 I requested a copy of my signed cca, I received a letter in Jan 2009 saying that due to the age of the account no copy of the original agreement is retrievable in this matter, so I sent them a 12+2 day letter and stopped my token payments which started in Jan 2008.
The only letters I received off them since my 12+2 day letter dated Feb 2009, were offer letters saying they will give me 40 and 50% discounts to settle but unfortunately no cca
I only acknowledged this account in Jan 2008 when a debt advisor (wrongly)arranged token payments, as you can see Aktiv Krapital look as if they have now given me the evidence that the account is indeed also statute barred as well as they have still not furnished a true cca
Your advise on what to do now please.

W.W.