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Cca Requests Updates Please

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  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    blueforyou wrote: »
    The CCA referring to the debt previously passed to AIC NEVER arrived - its now 9 months and another DCA has it now - and they are quiet, apart from pretending to be solicitors now....

    Looks like another 'FORMAL NOTICE - ACCOUNT IN DISPUTE' letter is needed, bfy. :rolleyes:

    You know where to find it by now. ;)
    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
  • blueforyou
    blueforyou Posts: 152 Forumite
    westmids wrote: »
    hi all..having real problems with studio ...
    had a response..states : we have never stated we cannot produce a copy of the signed credit agreement..with cca requests it is sufficient for us to provide a copy of a caa together with relevant financial info..etc..it is considered that we have complied with your request and therefore this is our final response ... i feel like giving in... they are really tough.... so i dont know wether to get in touch with them and say i am having financial difficulty and need to put account on hold for now : (

    Try not to give in westmids. Remember that is the way bullies win. Why not write and say you are having financial difficulties in any case, eeven if they could suppl a compliant CCA (which I doubt.

    Do they phone you?

    Chin up and keep posting.
  • blueforyou
    blueforyou Posts: 152 Forumite
    rog2 wrote: »
    Looks like another 'FORMAL NOTICE - ACCOUNT IN DISPUTE' letter is needed, bfy. :rolleyes:

    You know where to find it by now. ;)

    Thanks Rog - done that - it went in mid November last year!
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    westmids wrote: »
    so they are within their right to do this then : ( ... looks like the easier option i think is to offer token payments of £1 ( not sure they would accept as they are saying minimum payments is £10 a month ) or ask to put my account on hold ..

    Have you spoken with any of the Debt Counselling Charites, westmids? :confused:

    They will certainly be able to advise you of your best option - it may well be that the 'agreement' that they sent you is not compliant.
    Don't give up without a fight.

    National Debtline - https://www.nationaldebtline.co.uk/ - tel. 0808 808 4000

    CCCS - https://www.cccs.co.uk/ - tel. 0800 138 1111

    A Debt Adviser at your local CAB
    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
  • westmids_3
    westmids_3 Posts: 34 Forumite
    they phone but i ignore them. been lucky today nothing so far, even though i have stated in both letters all contact is to be in writing.. i suppose one way is to say if they do give me a cca i still cannot pay them and £1 token payments is the only way to go...and see what they say..( all in writing of course )
  • Lovella
    Lovella Posts: 90 Forumite
    Debt-free and Proud!
    Well I spoke too darn soon didnt I?!!

    Have just received something from Moorcroft acting for OC Halifax. I will attempt to upload it here - I'm not 100% sure but I don't think that it contains everything that it should.

    Is anyone clever able to take a look and advise, please? :confused:

    http://s908.photobucket.com/albums/ac282/Lovella_photos/?action=view&current=Halifax_Scan.jpg
    LBM Nov 06 -Highest debt £37,000
    Current debt - ZERO, NADA, ZILCH:j
    DMP Support Member #152
    Proud to be dealing with my debts
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    blueforyou wrote: »
    Thanks Rog - done that - it went in mid November last year!

    Then it's time to get on to the Office of Fair trading. ;)
    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
  • Bazza66
    Bazza66 Posts: 299 Forumite
    Lovella wrote: »
    Well I spoke too darn soon didnt I?!!

    Have just received something from Moorcroft acting for OC Halifax. I will attempt to upload it here - I'm not 100% sure but I don't think that it contains everything that it should.

    Is anyone clever able to take a look and advise, please? :confused:

    http://s908.photobucket.com/albums/ac282/Lovella_photos/?action=view&current=Halifax_Scan.jpg

    Looks like an application form to me and is not enforceable since it does not contain the prescribed items required.

    Bazza
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    edited 24 July 2009 at 3:04PM
    Lovella wrote: »
    Have just received something from Moorcroft acting for OC Halifax. I will attempt to upload it here - I'm not 100% sure but I don't think that it contains everything that it should.

    http://s908.photobucket.com/albums/ac282/Lovella_photos/?action=view&current=Halifax_Scan.jpg

    If that single page is all that they have sent, it contains NONE of the required terms, so can not constitute a true and compliant copy of the original executed consumer credit agreement.

    You can see what it should contain, in order to constitute a cca, by clicking on: http://forums.moneysavingexpert.com/showpost.html?p=6815188
    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
  • Lovella
    Lovella Posts: 90 Forumite
    Debt-free and Proud!
    rog2 wrote: »
    If that single page is all that they have sent, it contains NONE of the required terms, so can not constitute a true and compliant copy of the original executed consumer credit agreement.

    Thanks Rog, they just sent the single page. So what do I do next? The letter they sent with it says that they will recommence collection methods in 7 days...
    LBM Nov 06 -Highest debt £37,000
    Current debt - ZERO, NADA, ZILCH:j
    DMP Support Member #152
    Proud to be dealing with my debts
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