Cca Requests Updates Please

luckymum_3

hi , i need some help with regards to cca 's as well..
i sent of a cca letter to vanquis requesting my copy of the cca , heard nothing regarding that but today i received my account statement saying i am behind on payment and need to pay or legal action will start...
what should i do , ignore it till i get cca or write to them again explaining what i am waiting for ..thanks

blind-as-a-bat_2

does that read "will" or "may" Theres a BIG differance;)

If it says "may" then its almost certainly a bluff, but even if its not if you have sent a CCA and you can prove they have recieved it you can defend any action in court if they do.

So its up to you really, you have no need to contact them again but that will depend on your nerve and whether your willing to take it to court if they are daft enough to try.

How long is it since you sent them the CCA?

fermi

Sunny_Donny wrote: »

Can I just check is it 30 working days or 30 calendar days before I can send the last letter to them

The legislation states "one month". So you can take that from the 12 +2 working days after the request.

luckymum_3

hi , the letter was signed for on 4 july...so not sure what to do..think i shall write to them again...

blind-as-a-bat_2

I wouldnt bother wasting the postage....yet:p , sounds like they are just trying to un-nerve you:rolleyes:

Wait until the 12+2, which isnt long then they will be in default if you must but i wouldnt bother before then

luckymum_3

ok thanks , have to send the next on 22nd.....

blind-as-a-bat_2

Hmmm doesnt seem like vanquis are very co-operative when it comes to CRA,s and S.A.R,s:rolleyes: looks like you might have a long wait unless they have cleaned up there act:p

All the better for you though if they havnt:D

luckymum_3

hi all, me again.. right have just received letter from vanquis which is a notice of default , and they have enclosed a formal notice of default , issued in accordance with the consumer credit act 1974 ?
basically it says i have breached terms and conditions and am to submit a sufficiant payment to clear the arrears .
then if i do not make a payment vanquis bank will terminqate the agreement and demand immediate repayment of the total balance outstanding ( £530.80 ) together with the return of the credit card and if necessary start court action.
so ... what should i do , make a payment , or send out the next letter as they have only sent out a default notice ..

blind-as-a-bat_2

As long as you have proof the CCA was recieved the account is in despute, during which time they cannot take any action against you, (well ok they can but they shouldnt)

until they comply with the CCA ignore all there threatomatic letters, if they do follow through with a default you can deal with that later.

Keep a record of all this though as they will form part of any complaint you will be able to make if they dont produce a valid CCA by the end of the prescribed time limits

luckymum_3

thank you... am desperatley trying to get bloody printer to work so i can print out the proof of delivery signature ..as of yet i havent heard from iqor regarding the cca i requested.. will keep you posted and wish me luck.