Cca Requests Updates Please

Ames

Does anyone have the link to the 12+2+30 letter, I can't seem to find it.

rog2

Ames wrote: »

Does anyone have the link to the 12+2+30 letter, I can't seem to find it.

No problems (thanks to weller711):

http://forums.moneysavingexpert.com/showthread.html?p=6582439

Good luck.

stapeley

Still not got a CCA from my biggest creditor , did request early December . DCA wrote back after 4 weeks ,stating account had been returned to OC. Not had anything since ! The alleged debt is £6000 Is it good news?:j

Ames

Thanks rog, I'll get that off tomorrow. It's for a loan they want £4500 for.

kennyvinegar

Hi everybody

I sent SAR and CCA letters to Cahoot back end/beginning of this year and have still not had my CCA through. I will now send them the 12+2+30 letter (which i should've sent back in March)! Please could someone clarify what this means with respect to the PPI I have paid on this loan (which I believe I have been mis-sold)? Should I include something about this in the 12+2+30 letter?

hbslc

SMILE O/D: No news. DCA chasing me in Aug 07, CCA requested, ignored, DCA chased me again in Feb 08, nothing since.

MBNA: CCA Requested. Frequency of phone calls & letters have since increased.

C1: Well past the 12+2+30 (due date was 22nd March 2008). Letter sent on 27th March requesting:
1) All payments to be refunded with interest
2) Removal of all defaults
3) Compensation
4) Deletion of data etc.
I haven't heard from the DCA dealing on behalf of C1 at the time of this CCA request. But I've recieved letters from another DCA and finally from their lawyers on 28th May 2008. This suggests I have 48hrs to prevent their recommendation to transfer the debt to an outside field agency.

The C1 debt is my largest unsecured debt, £15k ish, and I simply want to see the agreement & how the debt has been accrued, charges etc...

Please advise what you think I should do. My thoughts are:
1) Write to all parties, lawyers, DCA, C1 and advise that field reps are not welcome etc.. Appointments are not convenient etc... Or can I just write to the lawyers? All the recorded delivery fees add up!

2) Pass the matter to OFT, ICO, TS, the CSA, the FOS and my local MP?

Planning on doing letters etc this evening - so any advice would be appreciated.

shinyhead

hbslc,
My advice, for what it may be worth, regarding your situation with C1 is to simply sit back and ignore them until they send a county court summons. If they still haven't provided your CCA by then you have an excellent defence.
All those threats from the DCA, lawyers etc IMHO is to simply scare you.

Remember- NO CCA NO ENFORCEMENT IS POSSIBLE. That's what worries them!!

hbslc

Thx

My main concern with ignoring the threat of a vist of a field reps is that I don't live anywhere. There are 3 addresses on my credit file: 1 is my ex-fiance's house (mortgage in my name - don't ask), the other I've rented out. 2 is my address but tenants live in it & 3 is my correspondence address - a PO Box.

My post is pear shaped and I'm never sure that I receive all of it. So I'd hate to miss an appointment card & for these nice reps to turn up & speak with my tenants.

shinyhead

Once again, IMHO I believe this threat to be empty. If they should visit and discuss your situation with others then they are committing an offence. The threat of a 'home visit' is usually made to scare people and also they may try to hint it will be bailiffs that are coming.

Confused_Newbie

Ok came home from work today to a letter from Apex (had requested copy of CCA from them) Basically the letter says -

I am writing concerning your letter received 6 June 08, the contents of which have been noted.

Please contact our client direct for a copy of your credit agreement. I have enclosed your £1.00 postal order received for this data.

Now what do I do? I have since found out that Apex are acting on behalf of Northern Bank (OC) and that they have now put the account on hold for 14 days. But if I request a copy of the CCA from Northern they have 12 working days to reply and Apex have only placed the account on hold for 14 days?!

Please please can anyone offer any advice?

CN